Consumer Lending Consultant (Hybrid)

The starting salary for this position is $21.50 per hour depending on experience and qualification.

Essential Duties:

• Serves external members and the consumer lending team to ensure loan requests are handled accurately and timely while always providing the best possible experience. Focuses on helping members with a seamless lending experience throughout.
• Assist Members and potential Members with their lending needs through multiple channels such as telephone, internet, video, and email.
• Educate members and make recommendations for products and services, respond to questions, and take loan applications.
• Contributes towards the achievement of the credit union's expected financial outcomes.
• Demonstrates leadership through achievement of individual consumer loan production goals through inbound/ outbound channels to members, and other proactive activities.
• Achieves ancillary products goals for payment protection, gap, and warranty services on loans. Cross-sells additional loans including additional consumer loans, mortgages, commercial loans, as well as deposit accounts and services.
• Builds strong relationships with members. Asks open ended questions. Connects members with products and services that will best suit their needs and help maximize their membership with GUCU.
• Demonstrates a good understanding of consumer loan products and ancillary products.
• Provides consultative services to members regarding credit union products and services by assessing the member's needs, addressing their concerns and gaining agreement. Asks for additional ways to serve members or referrals.
• Makes recommendations to system upgrades, policies, standards, or procedures to improve the processes and improve the member/employee experience.
• Must comply with applicable laws and regulations, including but not limited to the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets control.
• Provides friendly, professional and accurate financial services and support to members, the consumer lending team, as well as all Georgia United team members.
• Builds strong relationships across the organization.
• Counsels members regarding money management and financial matters.
• Projects and maintains the Credit Union's professional image and reputation.
• Completes special projects as assigned.
• Attends and participates in meetings as required.
• Keeps management informed of area activities and of any significant problems.
• Stays current on and in compliance with all state and federal lending regulations and credit union policies.
• Promotes and establishes strong, positive and productive working relationships within the organization through commitment to the company's vision statement, core values and business principles.

Statement of Understanding

This job description is intended to provide a general overview of the essential duties, responsibilities, requirements, and working conditions associated with the position. It is not intended to be an exhaustive or comprehensive list of all tasks or responsibilities. The organization may assign additional duties or modify existing ones as needed, at its discretion. Job descriptions may be updated periodically to reflect business needs and organizational changes.

Reasonable accommodations may be made in accordance with the Americans with Disabilities Act (ADA) and other applicable laws, so long as such accommodations do not pose undue hardship to the organization or create significant health or safety risks.

Nothing in this job description should be construed as creating an employment contract, either expressed or implied. Employment remains at-will, meaning that either the team member or the organization may end the employment relationship at any time, for any reason not prohibited by law.

Equal Employment Opportunity (EEO)

Georgia United is committed to providing equal employment opportunities and fostering a workplace where all individuals have the chance to succeed. We consider all qualified applicants for employment and advancement without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability status, protected veteran status, or any other characteristic protected by law. We value the unique perspectives and contributions that each team member brings to our organization, believing that a diverse and inclusive workforce strengthens our credit union.

E-Verify

Georgia United participates in the U.S. Department of Homeland Security's E-Verify program. E-Verify is an online system used to confirm the eligibility of employees to work in the United States. This process involves electronically verifying the information provided by new hires against records maintained by the Department of Homeland Security and the Social Security Administration.

Detail Oriented - Capable of carrying out a given task with all details necessary to get the task done well
Team Player - Works well as a member of a group
Dedicated - Devoted to a task or purpose with loyalty or integrity

High School (required)

1 - 2 years: 1 - 2 years of financial sales and marketing experience. (required)
Computer proficiency with MS Office, including Word, Excel and PowerPoint, Internet, and Email. (required)
Knowledge of lending requirements and standards. (required)
Experience with lending application software. (required)
Experience underwriting consumer loan products preferred. (preferred)

Skills