Description

Consumer Loan Originator

Summary

To assist the credit union in achieving its mission statement: “PFCU WILL DELIVER FINANCIAL WELL-BEING WITH VALUE, CONVENIENCE AND EXCEPTIONAL SERVICE”. The Consumer Loan Originator is responsible to make outbound phone calls to members regarding various items ranging from general services to presenting specific targeted sales opportunities. Additional responsibilities include accurate processing of applications for new accounts, loans, and other products and services received through all member channels. Support, model & adhere to PFCU’s Service Standards as outlined in My MARC. This role is a hybrid position with requirements to report to the Portland Brand headquarter. 

Essential Functions, Duties, & Responsibilities

• Make contact with members in order to support sales or promotional campaigns in order to deepen relationships or cross-sell additional PFCU products or services, including initiating outbound contact on new indirect loan memberships or on-boarding for new memberships from the online account opening process.
• Promote and provide loan products by outbound calls.
• Analyze member’s credit data, financial situation and financial goals.
• Follow-up and maintain pending loan queue. Maintain loan information and follow-up documentation.
• Proactively identify any financial need and educate members on each possible solution.
• Assist members with in-depth questions about their accounts.
• Accurately process incoming applications for new accounts, loans, and other products and services.
• Responsible for the timely processing of loan applications and serve as the member liaison between loan origination and loan closing.
• Engage in continuous learning to maintain an adequate level of knowledge in all areas of responsibility.
• Demonstrate sensitivity, support, respect, flexibility, dependability and timeliness in order to take personal responsibility and accountability for actions and performance.
• Build a deeper relationship with the member by cross selling other credit union products and services.
• Meet or exceed established minimum performance expectations.
• Provide regular reports (as requested) regarding efforts and results.
• Maintains on-going communication with supervisor, informing individual of all pertinent problems, irregularities, new developments, changes and other important information within the area of responsibility.
• Demonstrate enthusiastic support of corporate mission, core values and long term objectives.
• Seek training opportunities to develop or enhance through training, conferences, reading etc. Willingly participate in and attend educational functions and meetings as requested by management
• Perform all other duties as assigned.

Regulatory Compliance

Follows regulatory and policy compliance requirements which would include those efforts in compliance with Bank Secrecy Act (BSA), Office of Foreign Asset Control (OFAC), Red Flag and Anti-Money Laundering (AML) Regulations, and other compliance related policies.

Confidentiality

This position requires maintaining confidentiality with regard to non-public information about our members, employees and the Credit Union. We must protect the confidentiality of member information. Financial transactions are confidential and private. With account access, employees are to handle member information responsibly and confidentially.

Security

To ensure the safety and security of all employees, employees must follow all security policies and procedures at all times. Security is the responsibility of all employees.

Qualification Requirements

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education Requirements

High School Graduate or equivalent

Work Experience A minimum of two (2) year experience as a Loan Member Service Pro at PFCU or Consumer Lending Processor, Indirect Lending Processor or Universal Employee.

Language Skills

Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or government regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, employees, clients, members, and the general public.

Mathematical Skills

Ability to add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent.

Reasoning Ability

Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Must have the capability to deal with problems involving concrete variables in standardized and non-standardized situations.

Other Skills & Abilities

• Ability to creatively structure good performing loans within PFCU policies and procedures. Excellent understanding of lending policies and procedures.
• Able to make decisions and recommendations.

Physical Demands

The 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 stand; use hands to finger, handle, and feel objects, tools, or controls; reach with hands and arms; and talk or hear. The employee frequently is required to walk and stand. The employee is occasionally required to stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 50 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.

Work Environment

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in work environment is usually moderate. While performing the duties of this job, the employee occasionally works near moving mechanical parts, and is occasionally exposed to risk of electrical shock.

Mental Demands

The employee is frequently required to use alertness, precision, resourcefulness, problem solving, numeric calculations, persuasiveness, auditory perception, memory, creativity, judgment, writing ability, reading ability, reasoning, imagination, patience, visual perception, comparing, and analyzing.

PFCU is and equal opportunity employer.