Consumer Lending Representative SR – HELOC – APCU

Title of the Job: Consumer Lending Representative SR – HELOC

Location: Atlanta, GA

Job Description: GREAT opportunity to join our Consumer Lending Sales team! Seeking experience taking loan applications and cross selling ancillary financial products and services. Focus will be on HELOC! Seeking experience in representing and selling HELOC. Preference given to candidates who have worked with a Credit Union or Bank in a Loan Officer-type capacity.

• 99% of the cost of employee healthcare covered by the company
• 100% of the cost of dental and vision covered by the company
• 401K match offered
• Culture focused on employee engagement & giving back
• Mission dedicated to serving the credit union members (our customers)

Salary information: $40,000 plus performance-based incentivesPurpose: The primary purpose of this position is to assist Atlanta Postal Credit Union to live out our Mission, “To help our members achieve financial success by providing exceptional products and service.”The Senior Consumer Lending Representative is responsible for ensuring that the credit union maximizes lending and sales opportunities with members who complete an application for credit for a secured or unsecured retail loan, line of credit, or Home Equity Line of Credit (HELOC) with the credit union.Essential Duties and Responsibilities: Other duties may be assigned. * Deliver outstanding service to both internal and external members that is in alignment with our Service Promises:

• I promise to be mindful of your time with fast, efficient, courteous, and friendly service.
• I promise to demonstrate integrity in all my interactions.
• I promise to always treat you with dignity and respect.
• I promise to work with fellow employees throughout the credit union to ensure you receive the best possible products, service, and solutions.
• I promise to safeguard the security and confidential nature of your financial information.
• I promise to greet you with a smile and thank you for your business when your transaction is completed.
• I promise to deliver on our mission to help you achieve financial success by providing exceptional products and service.
• Consults with member applicants on a variety of retail lending and line of credit needs of moderate to high complexity.
• Actively follows up on loan applications originating through various channels of submission (phone, internet, in-branch interactions).
• Effectively builds trust and rapport with member applicants, as well as internal stakeholders who may refer member applicants, through consistent conveyance of the credit union’s core values and strong propensity to assist members in achieving their financial goals.
• Fosters a spirit of cooperation and collaboration with department members to ensure success of the entire lending team and is consistently aware of individual and departmental objectives.
• Reviews applications for completeness and follows established internal controls for processing and underwriting.
• Maintains up to date knowledge of the products and services offered by the credit union.
• Uses strong interpersonal skills, product knowledge, and engaging communication skills to understand member financial needs and financial goals; actively presents ancillary products and services that meet members’ needs and enhances their ability to meet their financial goals.
• Is fully familiar with and able to clearly communicate with internal and external members about: Underwriting philosophies, lending decisions (approved, denied, or conditioned), approval stipulations, loan products and services, credit bureau reports and scores, credit histories, applicable Federal regulations, Warranty coverage, Guaranteed Asset Protection (GAP), Debt Protection, loan and deposit rates, lending policies and procedures and our automated underwriting process.
• Educates member on the terms and conditions of their loan decision and ensures a clear understanding of the ancillary products the member may have selected.
• Sets up loan closing and follows established processes, procedures, protocols, and disclosure requirements to facilitate closing of the member’s loan or line of credit.
• Maintains positive and productive working relationships with all internal and external stakeholders.
• Demonstrates effective written and oral communication skills in all work activities.
• Demonstrates effective time management and prioritizes daily work to meet deadlines and goals; monitors work in process and adjusts as needed.
• Attend ongoing training as needed, including on and off-site workshops and webinars to maintain a high level of knowledge related to needs-based selling, lending, and compliance with various credit laws, regulations, and acts.
• Maintains current and appropriate licensing for the position.
• Adheres to the provisions of the Fair Credit Reporting Act (FCRA), Military Lending Act (MLA), Equal Credit Opportunity Act (ECOA), Truth in Lending Act (TILA), Fair Housing Act (FHA), and any other state and federal regulations associated with the granting of credit to consumers.
• Complies with all aspects of BSA/AML and OFAC regulations as they relate to this position.
• The ability to travel overnight or to other business locations less than 10%.
• Other duties as assigned

Supervisory Responsibilities: No direct reports. Provides guidance and assistance to more junior lenders on loan request that are complex in nature, requests for unsecured loans more than $5,000, or on requests for lines of credit.Qualification Requirements: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.REQUIRED Education and/or Experience:

• College Degree or an additional 3 years of consumer lending work experience in lieu of degree
• 2 years specific consumer lending experience including cross selling of additional financial products and services
• An MLO#/License or the ability to acquire such within 6 months of becoming a SR Consumer Loan Representative
• A high level of knowledge of Microsoft Office applications (Word, Excel, PowerPoint, Teams)
• Prior experience and working knowledge of digital credit application software

PREFFERED Education and/or Experience:

• 2 years specific consumer lending experience in a Credit Union
• Prior experience and working knowledge of Symitar, Meridian Link
• 2 years specific underwriting and processing experience in a bank or credit union

Physical Job Requirements:Must be physically able to operate a variety of automated office machines such as calculator, computer, printer, facsimile, telephone, copier, etc. Must be able to stand, bend and stoop as needed. Must be able to lift and/or carry weights of 5 to 20 pounds.Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.The requirements for the position listed are general and are not all inclusive. If you have any questions concerning this position, please contact Human Resources.Please note that an employment offer, and your continued employment, are contingent upon acceptable results of a background and credit check, as well as satisfactory proof of your right to work in the U.S.

Company Name: APCU

Salary: $40000 per year

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