UFCU · 1 day ago
Consumer Retail Loan Officer (Spanish)
Austin, TX
Full-time
Onsite
Mid Level
3+ years expUFCU is Austin’s largest locally owned financial institution, dedicated to providing for the well-being of its Members. The Consumer Retail Loan Officer (RLO) is responsible for delivering exceptional Member service, analyzing loan applications, and ensuring compliance with lending regulations while maximizing loan volume and Member retention.
Responsibilities
Demonstrate unsurpassed commitment to exceptional Member service and teamwork with each encounter, often going beyond the Member’s initial need or concern
Provide timely and accurate information, responses, and decisions to internal and external Members
Display strong written, spoken, listening, and interpersonal communication skills by clearly and effectively communicating with Members and staff, including timely follow-up on open items, primarily in a Member-facing environment
Assist Members with basic mortgage inquiries and submit applicable referrals
Actively seek opportunities to maximize loan volume by demonstrating a strong results orientation and superior application quality
Consistently follow up on applications to maximize the number approved/funded
Use strong influential and consultative sales skills, analytic ability, and knowledge of UFCU’s ancillary products and services to enhance the quality and depth of Member relationships, thereby increasing Member retention, product penetration, and profitability
Accurately review, calculate, and confirm income, tax returns, and financial statements
Work with Underwriters to determine appropriate next steps and additional information needed for loan approval
Provide guidance on sources of income that may be included in loan application
Analyze all application and loan documentation, verify completeness and accuracy of files and communicate responses to Members, staff, dealers, and others in a courteous and timely manner
Provide Member with correct loan documents and disclosures, process loans with accuracy and efficiency
Independently ensure that all stipulations set forth by Underwriter are fulfilled appropriately
Perform all needed follow-up with Member or other parties to act on stipulations to completion
Identify and escalate any issues of risk or fraud to the appropriate Lending team members
Collaborate with various team members within the lending department, in retail branches, and across the organization
Apply a commitment to excellent Member service and strong interpersonal skills to build and maintain positive relationships with team members, internal partners, and various vendors
Maintain professional, clear, and effective spoken and written communication with Members, potential Members, business partners and staff; consistently exhibit tact and diplomacy in all communication
Provide prompt follow up to resolve problems and/or respond to inquiries; provide updates or correct audit errors within an allotted appropriate time
Follow up on applications to ensure funding occurs in a timely manner
Demonstrate a commitment to ongoing learning and development through various means to ensure role competency
Maintain current knowledge of industry trends and regulatory updates
Possess superior technical skills and actively seek opportunities to improve skillset
Adhere to all company policies, procedures and business ethics codes
Complete required regulatory training as assigned
Maintain strict adherence and compliance to all laws, rules, regulations and internal controls specific to the role, including but not limited to Bank Secrecy Act, Anti-Money Laundering, USA Patriot Act, OFAC and Fair Lending regulations
Qualification
Required
High school diploma or equivalent
Minimum of three (3) years of general sales or customer service experience
Experience in loan application entry and application review
Possess or ability to obtain NMLS license
Experience working with changing priorities and deadlines
Must be bondable
Expert knowledge of consumer lending products, regulations, services, and process
Basic knowledge of consumer credit laws and regulations related to loan products
Competence using Microsoft Office Suite products
Strong influential and consultative sales skills
Strong analytical and creative problem-solving skills and attention to detail
Exceptional interpersonal, spoken, and written communication skills, with the ability to communicate effectively with borrowers and colleagues
Excellent customer service skills and ability to quickly establish rapport and trust over the telephone and via email
Ability to use loan origination software to efficiently perform job functions
Strong results orientation; able to consistently meet or exceed goals
Ability to effectively multi-task and excel in a high-stress environment
Ability to manage time effectively and handle high volume of inbound leads
Ability to present ideas and thoughts clearly and concisely
Ability to deliver presentations with persuasiveness and confidence
Ability to identify mortgage opportunities utilizing credit report
Preferred
Bachelor's degree in business, finance or related field
Minimum of three (3) years of experience in financial products sales
High-volume call center experience
Credit Union or financial industry experience
Bilingual in English and Spanish
Company
UFCU
Empowering our Members to achieve financial success and brighter futures. Federally Insured by NCUA. Equal Housing Lender.
501-1000 employees
Funding
Current Stage
Late StageLeadership Team
Michael Crowl
CEO & President
Rhonda Pavlicek, MBA, CPA
Executive Vice President of Finance & Risk / Chief Financial Officer
Company data provided by crunchbase