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Credit Union of Colorado · 3 months ago

Consumer Lending Originator

Denver, CO

Full-time

Hybrid

Entry Level

$24.63/hr - $29.58/hr

1+ years exp

Credit Union of Colorado is a financial institution seeking a Consumer Lending Originator to manage loan applications and provide exceptional service to members. The role involves conducting credit analysis, assisting with loan requests, and ensuring timely communication with members while maintaining service level expectations.

BankingFinancial Services

Comp. & Benefits

Responsibilities

Maintain service level expectations for member experience

Actively demonstrates empathy in a fast-paced environment, asks questions to uncover needs, recommends product and service solutions, solves problems creatively and efficiently, educates members about relevant options

Assist members with loan requests, including over the phone and online applications. Execute active listening skills to determine the member's needs

Displays enthusiasm and confidence when engaging with others that consistently maintains the Here to Help culture

Creates loan applications within established guidelines, policies, procedures, and timelines

Works on all incoming lending phone calls including Consumer and Mortgage loans

Works on outgoing lending phone calls, including but not limited to, In Queue Callbacks, loan pre-approval follow up, and MXC member call back requests

Demonstrates call control, appropriate tone of voice, ability to quickly connect with callers, resiliency with emotional or repetitive requests, and the ability to multi-task while navigating multiple systems

Works on all outbound calling campaigns as assigned by Consumer Lending Leadership

Researches and resolves internal and external member issues in a timely, consistent, and professional manner

Consistently meets daily department demands and promotes member satisfaction, retention, and expansion

Demonstrates flexibility in assuming a variety of roles and responsibilities including new accounts and membership, miscellaneous clerical functions, loan processing and other various tasks/roles needed in the department

Understands regulatory requirements including but not limited to, ECOA, the Fair and Accurate Credit Transactions Act, the Bank Secrecy Act (BSA) and the applicability of right to cancel

Meets or exceeds metrics in providing personalized member service including asking for the business, accuracy, and other key performance indicators

Meets or exceeds quality monitoring scores as part of the quality monitoring program

Works closely with the Consumer Loan Processors, Consumer Loan Underwriters, Loan Administration, Loan Servicing and the Mortgage Department

Works well within a team to collaborate with peers; support other departments/branches; and consistently meets department and organizational goals

Maintains a high level of service, consistency, and professionalism to both internal and external members at every touch

Communicates with members by phone and in writing

Contacts members through email or phone on denied loan applications conveying underwriting decision

Reviews loan applications to ensure that all required information is provided by online applicants

Assists coworkers as needed in a high-volume environment

Stays informed regarding developments and changes in the credit field including best practices

Researches and resolves internal and external member issues in a timely, consistent, and professional manner

Consistently meets daily department demands and promotes member satisfaction, retention and expansion

Actively promotes and contributes to the achievement of organizational goals

Embraces ongoing education and learns/applies new skills and software applications

Supports promotional activities and offers additional products and services to members

Holds member account information in strictest confidential manner

Demonstrate knowledge about Credit Union products and services to find the best solution for the member

Proactively solve problems for members, acting in the best interest of the member and the Credit Union

Act as a direct link between members and the CU, continuously building relationships and strengthening our member’s trust and confidence by delivering focused service

Assist coworkers with learning and development

Adhere to all Federal and State laws and regulations applicable to the credit union, including REG B, FCRA, REG Z, Bank Secrecy Act and OFAC

Completes special projects and other duties as assigned

Qualification

Credit analysisLoan processingCustomer serviceMicrosoft WordMicrosoft ExcelMicrosoft OutlookInterpersonal skillsTypingData entry10-key calculatorProblem-solvingOrganizational skillsTime management

Required

High School diploma or equivalent (GED). Minimum of one year's experience in a Credit Union or financial services organization

Demonstrated analytical, accuracy, and problem-solving skills within a high-volume work environment

Ability to clearly and effectively communicate verbally and in writing

Ability to add, subtract, multiply, and divide in all units of measure, using whole number, common fractions, and decimals

Excellent verbal, written, and interpersonal communication skills with the ability to explain loan programs, loan terms, features, policies and benefits to members and business partners

Good organizational, time management, and problem-solving abilities

Ability to work a flexible work schedule Monday through Saturday from 7:30 am to 6:00 pm

Typing and data entry

10-key calculator

Microsoft Word, Excel, and Outlook; Symitar systems a plus

Thorough knowledge of Credit Union services and products

Ability to establish and maintain effective working relationships with other administrative officials and the public

Ability to apply interpersonal skills that develop member confidence, respect and trust in Credit Union of Colorado and develop cooperative relationships with all levels of people throughout the organization

Preferred

Preferred experience is one year or more of customer service with experience communicating with customers/clients in a remote fashion (inbound or outbound calls, email, or chat.)