Arizona Financial Credit Union · 1 month ago
Sr. Consumer Loan Officer
Phoenix,AZ,US
Full-time
Hybrid
Mid, Senior Level
2+ years expArizona Financial Credit Union is seeking a Senior Consumer Loan Officer responsible for driving consumer lending results by identifying and capturing additional loan opportunities. The role includes serving as a Subject Matter Expert, providing training, and managing loan applications while ensuring a seamless member experience.
BankingFinanceFinancial Services
Responsibilities
Serves as a Subject Matter Expert (SME) for all consumer lending processes and act as a lead for any questions submitted by Consumer Lending Experience Specialists, retail network, and all support areas
Provides support and expertise to co-workers through problem resolution of escalated calls, monitoring and serving on applicable inbound ACD queues, and assisting with reviewing non-approved dealer exceptions and loan appeals
Partners with the Organizational Development team to develop training for the Consumer Lending Specialist, which includes but is not limited to; credit reports, lifeguard products, outbound sales, conducting quality loan application interviews, enhancing the member experience, identifying mutually beneficial opportunities to add value with each interaction, and other components that will contribute to the department’s continued development
Facilitates all training for new employees, including shadowing and systems set up, ensures a seamless transition into their new role and the department
Provides coaching and feedback to Consumer Lending Specialists through evaluations and loan quality reviews
Analyzes reports that identify trends, challenges, and opportunities for improvement in the delivery of service to members via the telephone and web channels, and complete periodic quality checks of active loan queues
Recommends potential process improvements that increase efficiency, accuracy, and consistency to create the best possible member and employee experiences
Fulfill loan requests directly through online and electronic signature technology
Demonstrates habits and behaviors consistent with brand guidelines, aimed at becoming the member’s lender of choice
Receive, manage, and process loan applications from multiple sources including phone, web, branch, and mobile applications
Manages outbound loan campaigns including but not limited to; Preapproval, Loan Recapture, Indirect, Carvana and Member’s Auto Center
Works with our Carvana and Member’s Auto Center partners to create processes and workflows for a seamless loan closing for members
Performs all necessary follow-up communications with new or existing members electronically or by phone to secure a mutually beneficial relationship
Fulfills loan requests directly through online and electronic signature technology
Fosters strong relationships and help with the following:
Identifying additional opportunities to strengthen member relationships
Lifeguard product sales
Business Partner Referrals
Outbound Sales on targeted member opportunities
Demonstrate habits and behaviors consistent with brand guidelines, aimed at becoming the members’ lender of choice
Originates equity loans and identify and refer 1st Mortgage business opportunities
Assists members to determine the proper loan program, completing the loan application and gathering the necessary paperwork, including pay stubs, tax returns and bank statements
Obtains and analyzes credit reports to determine member’s debt to income ratio and creditworthiness
Acts as a relationship manager between Underwriting, Loan Support, Branches and Equity Processing team
Performs other job-related duties as assigned
Qualification
Required
High School diploma or general education degree (GED)
Two (2) years' experience in a financial institution with consumer lending experience or a minimum of six (6) months as a Consumer Lending Specialist
One (1) year experience training and supporting team members or supporting the onboarding process
Knowledge of computers and standard Windows software applications
Ability to type 45 words per minute
Ability to perform 10-key accurately
Ability to read, write, speak, and use proper grammar in English
Must register as an MLO
Ability to communicate in person, on the telephone, and through written business correspondence
Ability to interpret and analyze written reports, instructions, correspondence, and procedure manuals
Ability to speak effectively to members regarding sensitive inquiries or complaints
Ability to add, subtract, multiply, and divide whole numbers, decimals, and common fractions
Ability to calculate rates, ratios, and percentages
Ability to make decision based on training, commonsense understanding, and guidelines
In compliance with the federal Secure and Fair Enforcement for Mortgage Licensing (S.A.F.E.) Act of 2008, Arizona Federal employees acting as Mortgage Loan Originators (MLO) must be registered with the Nationwide Mortgage Licensing System (NMLS)
Applicants with certain criminal convictions, including but not limited to crimes involving dishonesty or fraud, or crimes involving financial services or a financial service-related business, may not qualify for the MLO designation
To maintain MLO registration and the ability to perform these functions, they must renew registration on an annual basis, and update any changes to his/her registration information as needed
MLOs routinely handle confidential member information and have strict requirements for maintaining the confidentiality and non-disclosure of that information
Company
Arizona Financial Credit Union
Arizona Financial Credit Union is a not-for-profit financial cooperative that provides consumer and small-business banking services.
501-1000 employees
Funding
Current Stage
Late StageLeadership Team
Amy Hysell
President & CEO
Recent News
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