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Consumer Loan Officer
Are you seeking a new career challenge in a dynamic, fast-paced work environment with the opportunity for personal & professional development?Do you have experience working with the public in a face-to-face environment? Are you a sales-minded individual that thrives in a goal-oriented environment? Do you want to join a company that rewards employee performance with potential career advancement? If yes, we may have what you are looking for!Marine Credit Union is a full service, fast growing & innovative financial institution that offers a variety of products and services to meet your financial needs. We are currently expanding our consumer lending presence within the metro La Crosse area and we invite you to share in our success!
The Consumer Loan Officer provides information on credit union products and services to members according to all credit union policies and procedures and Federal and State rules and regulations. Duties include information gathering, analysis, preparation, processing, and documentation production for consumer loan products. Consumer Lenders assist in making decisions on loan applications within prescribed parameters, and promote the credit union's products and services.
Major Duties and Responsibilities:
·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 and the public 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.
·Help manage delinquency of assigned loan files.
·Perform assigned loan prospect and delinquency calls to assist in meeting goals for the position.
Knowledge, Skills, and Abilities:
1. Knowledge of the consumer loan application process
2. Knowledge of consumer credit
3. Ability to build rapport, explaining product features & benefits, and sell.
4. Skills in developing business.
5. Sound PC computing skills, including MS-Office and loan application software.
·Previous Consumer Lending, Banking or Sales experience.
·Experience working in a face to face customer service/sales environment.
·Experience making outbound calls to solicit business.
·Collections/delinquency management experience.
·Experience working in a process-oriented environment with importance placed on attention to detail.
·A record of success in meeting set, external goals.
Education: High School Diploma. College Degree in Business Administration, Marketing, Sales or Finance desired.
Interpersonal Skills: The ability to motivate or influence others is a material part of the job, requiring a significant level of diplomacy and trust. Obtaining cooperation (internally and/or externally) is an important part of the job. The ability to build rapport & relationships, solve problems, explain the features and benefits of products, and persuade are also important. The ability to build credibility and trust as a part of the position are required.
We offer our employees an excellent Benefits Program, including:
Healthcare and dental coverage with competitive biweekly premium costs
Free Short Term and Long Term Disability insurance coverage
Healthcare and Dependent Care Flex Spending Accounts
Employee Assistance Program for staff and their families
Heath Savings Accounts with company contribution
Free Group Term Life insurance coverage
Optional Life insurance coverage
Voluntary Vision insurance
401k with company match
Marine Credit Union is an Equal Opportunity Employer