Do you enjoy helping people turn their goals into reality? At Valley Credit Union, our Loan Specialists are trusted partners who support members as they pursue important life milestones, from purchasing a vehicle to consolidating debt. If you're passionate about building relationships, finding solutions, and confidently guiding others through decisions, we'd love to hear from you. In this role, you'll manage a high volume of consumer loans while providing outstanding service and support every step of the way. Valley maintains a strong culture built around our Vision and Mission. We expect all employees to live by and hold others accountable to our Cultural Beliefs. It DOES matter where you belong.
If you're looking for a rewarding role with a supportive team, opportunities for growth, and the chance to serve your community, we’d love to meet you! Apply today to start your journey with Valley Credit Union.
VISION STATEMENT
Building relationships with people in our communities.
MISSION STATEMENT
Uniting to achieve your dreams.
Position Summary
The Loan Specialist evaluates, approves and aggressively pursues loans and other loan services within Credit Union loan policy and guidelines. This position develops and manages a personal loan portfolio to meet Credit Union goals and objectives. The Loan Specialist maintains a very high level of member service being proactive in communication with members and associates. This position works in the Lending Center.
ESSENTIAL DUTIES
- Provide friendly, professional, timely, service and follow-up to all members to meet the lending demands of members.
- Develop and maintain knowledge of Valley’s lending manual, loan products, policies and procedures in orr to aggressively pursue loans and cross sell other loan products. Develop knowledge and comply with the Fair Lending Laws and regulations.
- Develop and build an individual loan portfolio through relationship building.
- Maintain delinquency; sell other loan and Credit Union products; maintain charge-off ratio.
- Ensure timely communication and transfer of information to loan processors.
- Initiate action to achieve established loan goals by aggressively pursuing loan recaptures and selling other loan products.
- Consult with members and co-workers on credit related issues.
- Seek approval on any loans until limits are established.
- Process member applications on the Internet electronically and/or telephone loans. Seek additional approval as needed.
- Determine collateral needs and payment plans for members applying for routine loans.
- Obtain and evaluate credit reports.
- Notify applicant of loan decision. Correspond with members, applicants, and processors to resolve issues.
- Maintain interest rate structure that is consistent with the Credit Union policies.
- Build and increase individual loan portfolio to meet or exceed monthly sales goals.
- Backup and assist the Indirect Department.
- Perform any additional duties as assigned.
KNOWLEDGE, SKILLS, and ABILITIES
- Sales skills are required.
- Ability to perform job functions independently or with limited supervision and work effectively either on own or as part of a team.
- Knowledge of word processing, spreadsheet, email software and use of the Internet. Must be proficient in Microsoft Office programs including Word and Excel.
- Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals.
- Ability to demonstrate high levels of accuracy and attention to detail.
- Ability to deal calmly and professionally with diverse personalities and cultures at various levels within and outside of the organization.
- Ability to communicate with others inside and/or outside the organization, generally regarding routine matters for the purpose of giving and obtaining information, as well as advising or referring.
- Ability to perform job functions with composure under the stress of deadlines and requirements for extreme accuracy and quality.
- Ability to establish priorities, set goals and meet deadlines in an accurate and efficient manner. Ability to effectively handle multiple, simultaneous, and changing priorities.
- Ability to exercise courtesy, tact, and diplomacy. Ability to demonstrate highest levels of customer service and discretion when dealing with the public.
- Ability to exercise the highest level of discretion (internally and externally) with confidential matters.
