About Job

Overview:

The Loan Phone Center Officer is responsible for handling loan inquiries through the phone channel, processing them to completion, and fostering member relationships by identifying financial needs and offering tailored solutions. This includes acting as an advisor to identify additional cross sell opportunities, referrals to business partners and deepening member relationships. This role is responsible for maintaining high loan quality standards, delivering exceptional member experience, and adhering to regulatory requirements.

Responsibilities:

Cultivates strong member relationships by providing high-quality service and identifying financial needs to recommend appropriate products and services.
Supports department sales goals by promoting and selling a full range of financial products, including depository products, consumer loans, insurance, and real estate loans.
Executes the Credit Union’s Member Experience protocols, assessing member financial needs and identifying referral opportunities for business partners such as Financial Consultants, Business Banking, and Insurance Services
Utilizes credit scoring, sound lending practices, regulatory requirements, and sound judgment to make informed lending decisions for the benefit of members. Clearly explains loan denials, explores alternative options, and advocates for members as needed.
Processes member applications, including loan funding and payment setup, with accuracy, efficiency, and attention to detail. Ensures the quality and accuracy of all work performed
Identifies business development opportunities through outbound calling efforts and other initiatives
Responds promptly and professionally to member inquiries via telephone, credit union SMS, and/or email, addressing member questions and other member needs.
Monitors individual pipelines for timely follow-up, ensuring all members requesting consumer and real estate applications are contacted to confirm delivery.
Conducts fraud prevention efforts through detailed interviews, documentation review, and identifying high-risk factors using credit reports.
Participates in staff development programs and may assist in training and mentoring other team members to promote continuous improvement in sales, service, quality, and teamwork.
Ensures compliance with all applicable laws, regulations, and Credit Union policies, including Fair Lending Practices.
Maintains accurate and current files, performs routine office duties, and handles other responsibilities as assigned.

Qualifications:

Education

Minimum: High School or GED
Preferred: 4 year / Bachelor's Degree

Experience

Minimum Years of Experience: 3
Preferred Years of Experience: 4
Must have prior experience as a loan officer or relevant experience in the financial services industry. Call center experience a plus.

Knowledge, Skills & Ability

Have superior oral and written communication skills as well as excellent telephone manners and technique using a headset.
Have a thorough working knowledge of depository & loan products, services, insurance of accounts, account vesting, consumer and real estate lending
Have a thorough knowledge of verifying and understanding income documentation
Has the ability to multi-task working in multiple systems simultaneously.
Knowledge of credit union systems, documents, reports, policies and procedures a plus.
Have a working knowledge of the Microsoft suite of Office products.
Actively registered or must obtain within 6 months Mortgage Loan Originator with the NMLS
Successful completion of training and obtain the following licenses, skills and authorities within 6 months of entering the position: New Hire Training, New Accounts, Consumer and Real Estate Loan Training program, Membership Officer Authority, Contact Center Basics
Successful completion of the Certified Credit Union Financial Counselor (CCUFC) within 9 months of entering the position

Disclaimer

Logix Federal Credit Union is an equal opportunity employer that does not discriminate in employment opportunities or practices on the basis of race, religion, color, sex, sexual orientation, gender identity, national origin, protected veteran or disability status, or any other status protected by law.

Base Pay: USD $19.23/Hr.