The Member Lending Specialist originates loans for credit union members. The Lending Specialist builds and fosters profitable financial relationships with credit union members and potential members. The Lending Specialist provides outstanding service while promoting and recommending appropriate credit union products. The Lending Specialist gathers and analyzes member data to offer customized solutions. The Lending Specialist maintains a primary focus on improving overall financial well-being of ... more details
The Member Lending Specialist originates loans for credit union members. The Lending Specialist builds and fosters profitable financial relationships with credit union members and potential members. The Lending Specialist provides outstanding service while promoting and recommending appropriate credit union products. The Lending Specialist gathers and analyzes member data to offer customized solutions. The Lending Specialist maintains a primary focus on improving overall financial well-being of member-owners while consistently meeting or exceeding minimum performance and service standards.
Responsibilities include, but are not limited to:
Assists members with submission of credit card and unsecured loan applications. Interviews loan applicants. Describes application review process and provides recommendations.
Discusses key aspects of financing (e.g., rates, terms, payment amounts).
Provides information on insurance programs (e.g., GAP, MBI, Credit Life and Disability), loan coverage options, and other ancillary products.
Assists customers in submitting applications for memberships and additional deposit products. Reviews membership applications and consumer information from various reporting agencies. Completes account opening.
Uses credit scoring, sound lending practices and judgment to make lending recommendations.
Funds consumer loans in accordance with credit union guidelines. Explores other lending alternatives with members, as appropriate.
Discusses adverse action reasons with members in case of loan or account denial and counsels them on opportunities to improve future eligibility.
Deepens member relationships and supports achievement of department’s sales goals by recommending appropriate products and services.
Completes all required training to maintain compliance with all job-related laws, regulatory requirements, and procedures. Ensures compliance with all applicable laws, regulatory requirements, and procedures.
Participates in testing and review of new credit union processes and procedures. Participates in assigned professional development programs in support of the credit union’s commitment to increases sales, service, quality, and teamwork.
Compensation:
The hourly rate range for this position is $23.50 - $26.00. When extending an offer of employment, the University of Southern California considers factors such as (but not limited to) the scope and responsibilities of the position, the candidate's work experience, education/training, key skills, internal peer equity, federal, state, and local laws, contractual stipulations, grant funding, as well as external market and organizational considerations.
Why USC Credit Union is a great place to work:
Medical through USC Network, Blue Cross, and Kaiser: https://employees.usc.edu/medical/
Dental: https://employees.usc.edu/dental/
Vision: https://employees.usc.edu/vision/
Dependent Care and Health Care Flexible Spending Accounts (FSAs): https://employees.usc.edu/fsas/
Retirement with up to 10% employer contributions: https://employees.usc.edu/usc-retirement-savings-program/
Tuition reimbursement: https://employees.usc.edu/tuition-benefits/
Paid Time Off (PTO) including, up to 24 vacation days (based on tenure), 12 sick days, 9 paid holidays, 1 paid personal day, 4 paid winter recess days, paid bereavement, and paid jury duty: https://employees.usc.edu/time-off/
Life and voluntary insurance benefits: https://employees.usc.edu/insurance-benefits/
WorkWell Center that provides programs, resources, and services to benefits-eligible staff and their dependents, that help them thrive in all areas of work-life wellness: https://workwell.usc.edu/
Other generous perks and discounts: https://employees.usc.edu/perks/
Minimum Education: High school or equivalent
Minimum Experience: 2 years
Minimum Field of Expertise: Previous experience in sales, retail or financial institutions (operating in a sales-driven environment) with proven track record of meeting production/sales goals. Must possess a minimum of one year consumer underwriting experience. Must be familiar with Word, Excel and Outlook. Demonstrated excellent interpersonal skills. Has effective organizational skills. Utilizes effective sales techniques with limited supervision. Able to consistently meet or exceed established performance goals in a financial services environment.
USC is an equal opportunity, affirmative action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran status, disability, or any other characteristic protected by law or USC policy. USC will consider for employment all qualified applicants with criminal histories in a manner consistent with the requirements of the Los Angeles Fair Chance Initiative for Hiring ordinance. We provide reasonable accommodations to applicants and employees with disabilities. Applicants with questions about access or requiring a reasonable accommodation for any part of the application or hiring process should contact USC Human Resources by phone at (213) 821-8100, or by email at uschr@usc.edu. Inquiries will be treated as confidential to the extent permitted by law.
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