Inbound Central Consumer Loan Officer
- Interview consumer loan applicants. Assist member in completing loan applications over the phone and/or electronically.
- Collate, analyze, and evaluate information & documentation in support of loan applications.
- Evaluate borrower Character, Collateral, Capacity to Repay, and Credit position as a part of loan decisioning process based upon individual circumstances.
- Calculate debt-to-income ratios, collateral needs, and payment plans on consumer loan applicants.
- Correspond with members, applicants, and creditors to resolve questions regarding application information.
- Provide information on consumer loan products that best meet the member’s individual needs and circumstances.
- Help recommend the structure of loan pricing, terms, and amounts for individual borrowers.
- Recommend loan approval/denials, counter-offers, and deviations from conventional loan structure and pricing. Manage loan closing process with customers.
- Consult with members and the public about asset purchase, credit management, budgeting, debt restructuring, and financial planning issues.
- Notify applicant of loan decision. Inform prospective borrowers of loan commitments.
- Review regulations as they apply to installment loan security agreements.
- Make outbound calls to members to solicit loan applications.
- Provide exceptional member service to our members.
- Abide by all applicable policies, procedures, and regulations.
- Work proactively to build relationships necessary to meet set goals for the position.
- Effectively assist members through the loan application and approval process, educating them about loan issues as needed.
- Effectively prepare loan documentation for processing, ensuring it is complete and accurate.
- Assist in managing risk through diligence in the information gathering process.
- Provide timely, service-oriented feedback to applicants regarding the status of their loans.
- Perform assigned loan prospect calls to assist in meeting goals for the position.
- Knowledge of the consumer loan application process.
- Knowledge of consumer credit.
- Ability to collate and analyze individual borrower financial information.
- Receive inbound calls and internal referrals to help members with loan products or service-related issues.
- Collaborate and partner with other departments such as Underwriting and Loan Servicing for fulfill loan requests.
- Evaluate information and make recommendations regarding loan pricing, structure, amounts, terms, debt restructuring, and loan modifications as appropriate.
- Ability to recommend loan approvals, denial, and counteroffers based upon analysis of individual facts and circumstances.
- Ability to build rapport, explaining product features & benefits, and persuasively communicate.
- Skills in developing business.
- Sound PC computing skills, including MS-Office and loan application software.
- Strong problem-solving skills.
- Ability to build credibility and trust.
- High School Diploma or equivalent required. College Degree in Business Administration, Marketing, Sales, or Finance desired.
- Previous Consumer Lending, Banking, Financial Consulting, or Sales experience desired.
- Experience working in a face-to-face customer service/sales environment.
- Experience making outbound calls to solicit business.
- Experience working in a process-oriented environment with importance placed on attention to detail.
- A record of success in meeting set, external goals for productivity.
- Long periods of sitting will occur regularly.
- Occasional lifting and/or moving 15 lbs or less.
- Use of a computer and telephone required.
- Occasional bending, stooping, or crouching may be required.
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Established in 1949 and headquartered in La Crosse, Wisconsin. Marine Credit Union provides financial services and banking, with office locations in Wisconsin, Minnesota and Iowa.
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