Consumer Loan Officer Trainee

Job Details

Job Location

Federal Way - Federal Way, WA

Salary Range

$24.91 - $26.65 Hourly

Description

Summary :

The Consumer Loan Officer Trainee (CLOT) is a non-exempt employee that performs customer service and collection duties, investigates, and develops credit applications, works to obtain discretionary credit approval for the origination of direct consumer loans and the purchase of retail installment contracts, while providing other support as needed for branch operations. The Consumer Loan Officer Trainee is a key learning role as part of our Credit Officer development program.

Essential Functions May Include :

• Provide customer service primarily by telephone, in-person, and electronically by offering appropriate solutions, resolution for issues, and follow up.
• Collections of certain past due loans and contracts, including making payment arrangements.
• Marketing for loans by inviting customers to apply for loans and offering optional ancillary products, if properly licensed, when they may provide benefit to the customer.
• Obtaining and inputting, primarily by telephone, direct consumer loan applications, including inputting complete credit applications, identifying the real loan purpose and potential collateral to secure the loan.
• Investigate and develop direct consumer loan and contract credit applications, including interviewing applicants to obtain additional information, verification of employment and other credit history.
• Analyzing, examining, and evaluating credit applications. For training purposes, the Consumer Loan Officer Trainee will make credit recommendations to a Consumer Loan Officer whether to approve, decline or counteroffer both direct loan and contract credit applications.
• Consumer Loan Officer Trainee is expected to contribute as needed to every project at Reliable Credit and to work as necessary to meet our customers' needs and organizations success.

In addition to the job specific requirements above, the following requirements are expected of all members of the team :

Scope and Accountability :

Qualifications

Knowledge, Skills, and Abilities :

and / or a combination of education, related experience, and / or training.

consummating loans with optional ancillary products.

Work Environment and Physical Demands :

The work environment and physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to sit. The employee is occasionally required to stand; walk; use hands to finger, handle, or feel objects, tools, or controls; reach with hands and arms; and readily and effectively communicate. The employee must occasionally lift and / or move up to 15 pounds. Vision abilities required by this job include ability to effectively see within an office environment, which may include long term computer exposure, and to adjust focus accordingly.

The duties of the job are primarily performed in an office environment. There is some exposure to noise in the work environment, which is usually mild to moderate. The (insert job title) may at times require a limited amount of time doing outside sales primarily at automobile dealerships.

Disclaimer Language

The above statements are intended to describe the general nature and level of work being performed by people assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required of personnel so classified. Employees may be required to perform duties outside of their normal responsibilities from time-to-time, as needed.

Reliable Credit Association, Inc. is an equal opportunity employer that strives to create a diverse workforce and an inclusive culture.