Consumer Loan Originator

Consumer Loan Originator

By emphasizing ONE Park, ONE Mission, One Team, the Consumer Loan Originator assists members with their consumer lending needs, ensuring a seamless and efficient loan process. This role involves processing complete loan applications, including consumer loans, second mortgages, and HELOCs, while ensuring accuracy and timeliness. The Consumer Loan Originator provides information about credit union loan products, identifies cross-selling opportunities, and guides members in selecting options that best meet their financial needs. Additionally, the role includes maintaining accurate records, preparing reports, and resolving member inquiries or referring them to the appropriate resource when necessary.

Essential Functions & Responsibilities:

• Process complete loan applications, including consumer loans, second mortgages, and HELOCs, ensuring all necessary information is collected, accurately completed, and entered in a timely manner.
• Address member inquiries about products and services, resolving issues within the scope of authority.
• Escalate more complex problems to a supervisor with recommendations for resolution.
• Serve as a liaison between members and various departments or organizations to facilitate a seamless lending experience.
• Promote credit union loan products that best meet the needs of applicants, maximizing opportunities to provide value while achieving established sales targets.
• Identify cross-sell opportunities and cross-sell services to members.
• Conduct regular follow-ups on applications in progress, ensuring they are addressed within assigned timeframes.
• Maintain appropriate records per credit union policy/procedures and prepare required reports as requested.
• Perform other duties as assigned.

Performance Measurements:

• To be an ambassador of Park's culture supporting the credit union's mission to build thriving communities together ensuring words and actions align with the Park VIBE that defines our Core Values: Vibrant Connections, Inclusive Excellence, Bold Compassion, Endless Empowerment.
• To provide friendly, professional and accurate service and support to all members and coworkers.
• To process member transactions with a minimal number of errors.
• To develop and improve knowledge and skills in their area of lending.
• To sell the established number of new products per month focused on fitting a member's financial needs.
• To follow the credit union's Bank Secrecy Act and anti-money laundering policies and procedures, including running OFAC searches, completing investigative reports of suspicious activity and currency transaction reports timely and without error.
• To maintain a professional work environment, promote teamwork, build respect among coworkers and present a businesslike appearance.
• To follow all security policies and procedures and report discrepancies or suspicious activity to manager immediately.

Knowledge and Skills:

• Experience: One year to three years of similar or related experience.
• Education: A high school education or GED.
• Interpersonal Skills: Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation. Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.
• Other Skills: Able to operator computer programs efficiently including Microsoft Word, Excel, etc. Attention to detail.

Physical Requirements:

WORK ENVIRONMENT: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this position. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions where this can be done without posing a direct threat to self or others. While performing the essential duties of this position, the employee is regularly exposed to a general office environment and interaction with customers.

PHYSICAL DEMANDS: The physical demands described here are representative of those required to successfully perform the essential functions of this position, but do not necessarily constitute an exhaustive list of all essential functions. To the extent required by any applicable law, reasonable accommodations will be made to enable qualified individuals with disabilities to perform essential functions where this can be done without posing a direct threat to self or others. While performing the essential duties of this position, the employee frequently must sit, stand, and walk short distances. The employee frequently uses hands and fingers to count currency and handle, manipulate, and feel objects, documents, and office tools and equipment. Reads, writes, listens, speaks, and uses personal computers, copiers, telephones, and other office equipment and software throughout the work day. The employee is occasionally required to stoop, bend, squat, and reach overhead with hands and arms. Occasionally pushing and pulling of office furniture and other objects. The employee may occasionally lift and/or move up to 15 pounds and on occasion lift and/or move up to 25 pounds.

Park Community Credit Union is an Equal Opportunity Employer/Veterans/Disabled