EFCU Financial · 1 week ago
Lending Contact Center Representative I
Baton Rouge,LA,US
Full-time
Onsite
Entry Level
$20.04/hr - $23.50/hr
1+ years expEFCU Financial Federal Credit Union is seeking a Lending Contact Center Representative I to serve as the liaison between members and the Credit Union. The role involves processing loan applications, providing information about loan products, and ensuring member interactions are handled professionally and courteously.
Financial Services
Responsibilities
Interview, take applications, gather information, and process preliminary documentation on loan requests
Evaluate and verify loan applications and credit criteria
Compute qualifying ratios such as loan-to-value, debt ratio, unsecured ratio, etc
Verify employment and income
Notify applicants of loan decisions
Request additional information if required
Communicate with members by portal, email, video, and/or phone to obtain missing documents for Lending Contact Center funding packages
Offer Debt Protection, Mechanical Repair Coverage (MRC), & Guaranteed Auto Protection (GAP), and any other programs offered by the Credit Union to fit the needs of the members
Coordinate and process loan closings
Ensure that each loan is promptly and properly prepared, documented, processed, approved, and disbursed
Prepare and record all documents for lien perfections and releases on titles, Uniform Commercial Code’s (UCC), and mortgages
Maintain follow-up reports and work with members to resolve lien perfection and release questions according to the Credit Union’s Policies and Procedures
Assume responsibility for follow-up on all pending lien perfections
Calculate terms, finance charges, and insurance on loans for proper disclosure on promissory notes
Ensure that lending operations are conducted in accordance with established Credit Union Policies and are legally compliant
Ensure that loan requests are properly documented
Resolve member requests and questions promptly, courteously, and professionally
Keep members informed of Credit Union service, products and policies
Maintain and project the Credit Union's professional reputation
Counsel members regarding money management and financial matters
Assist in counseling members whose loan requests were denied, explaining reasons and offering alternatives
Assist area team members and provide directions as needed
Keep team leader informed of area activities and significant problems
Complete required reports and records accurately and promptly
Attend meetings as required
Assist in training and cross-training of support team members
Actively and professionally cross-sell Credit Union services and products
Meet or exceed established referral and sales goals in the areas of ancillary products, loan and deposit growth, and Debt Protection coverage
Stay informed regarding local and national economic conditions and legal and regulatory changes
Ensure that the work area is clean, secure, and well maintained
Maintain all Credit Union members and team members related business in strictest confidence
Assist with any other duty as assigned or required in connection with the general operation of the Credit Union
Qualification
Required
High School Diploma or equivalent
One year to three years of related experience in lending and/or member services with full-service financial institution and/or training; or equivalent combination of education
Good understanding of member services, loan services, policies, and procedures and products provided
Understanding of member bookkeeping procedures, related legal and regulatory standards, and required loan documentation
Knowledge of consumer and residential lending practices, and credit union products and services with a thorough understanding of Real Estate Lending
Excellent telephone etiquette, interview skills and verbal communication skills
Excellent written communication skills
Effective decision-making skills, analytical skills, and attention to detail
Must be dependable and reliable
Must pass all credit and bond requirements
Preferred
In depth knowledge of Credit Union products and services is a plus
Company
EFCU Financial
EFCU is a full service financial institution passionate about improving customer's financial well-being.
51-200 employees
Funding
Current Stage
Growth StageLeadership Team
Tom Kuslikis, CPA
Chief Executive Officer
Rick Myers
Chief Financial Officer
Recent News
2024-10-27
Company data provided by crunchbase