Broadview Federal Credit Union
Summary of Role
The Consumer Lending Specialist underwrites and processes consumer loan applications submitted by members through all channels. They ensure an outstanding member experience, high quality loan decisions that meet the credit union’s lending policies, and quick funding. The Specialist communicates regularly with members via phone, email, and text messaging, takes ownership of loan applications, and oversees successful completion through funding. They champion the use of digital loan processing solutions.
Essential Job Functions / Responsibilities
Successful completion of the Lender Certification Program
Maintain thorough understanding of all regulations governing consumer lending
Underwrite and process consumer loan applications placed by members through all channels
Monitor multiple Lending Center queues and ensure that service levels for underwriting and document review are consistently met
Communicate directly with members regarding their loan applications in a highly effective and professional manner through multiple channels, including phone, email, text, and MeridianLink web messaging
Use a proactive service delivery approach to maximize each member interaction, set expectations, prevent unnecessary member contact, and move applications toward funding at each touchpoint
Consistently render accurate loan decisions in accordance with established policies and procedures
Use strong analytical skills to review approved loans for items such as proper stipulation completion, proper rate and term handling, full document collection, identity verification, and proper system notation
Consult with members and recommend products and services that meet member financial needs, including Broadview Insurance, payment protection, Wealth Management, and GAP coverages
Be proficient in all technical applications including MeridianLink, FIS, Intranet, Internet, and have in‑depth knowledge of core systems
Provide professional, quality service to members and assist with questions and problems related to the credit union’s loan programs
Demonstrate a full understanding of current policies and procedures necessary to underwrite consumer and student loans
Be skilled in personal and telephone interviewing techniques, including the ability to discuss loan alternatives in a manner that elicits a positive response from members
Attend all appropriate job‑related external and in‑house training and departmental staff meetings
Support the annual strategic goals by consistently pursuing assigned individual and team goals
Review credit reports with members, noting any findings, including poor credit
Offer knowledgeable financial counseling to members, staying current on the lending environment and economic conditions, and maintaining a strong understanding of lending risk
Evaluate member borrowing history through the credit report, underwrite the loan request in accordance with policy, assess risk and members’ ability to repay, and submit recommended decisions
Act as a champion for digital loan processing solutions, including online/mobile loan application, Mobile Application Center, DocuSign, and text messaging
Obtain loan documents for the member whenever possible to reduce effort in satisfying stipulations, and look for other ways to improve efficiency
Provide recommendations for efficiencies and new ideas to meet goals
Actively participate in Broadview’s community initiatives and fulfill volunteering expectations
Perform other duties as assigned
Minimum Job Qualifications
High school diploma and a minimum of one year’s experience in a related field
Prior experience in underwriting, processing, and closing consumer loans including auto, RV/Boat, sportscraft, personal, and credit card; experience at Broadview or other financial institution strongly preferred
Proven ability to review financial statements, including pay stubs, purchase agreements, insurance documents, and other supporting documentation
Ability to identify red flags in loan scenarios and supporting documentation
Prior experience in customer service, specifically cross‑selling within a financial services environment
Proficiency in Microsoft Word and Excel
Strong verbal and written communication skills
Strong mathematical and analytical skills
Starting Compensation $22.62 – $27.15 per hour, plus a competitive benefits package
Bilingual individuals who are fluent in a second language in addition to English are highly encouraged to apply.
We are an equal opportunity employer. We do not discriminate on the basis of race, creed, color, national origin, religion, sex, age, veteran status, disability, genetic information, gender identity, or any other protected class.
Broadview FCU is committed to ensuring individuals with disabilities and/or those who have special needs participate in the workforce and are afforded equal opportunity to apply and compete for jobs. If you would like to contact us regarding the accessibility of our website or need assistance completing the application process, please contact us at talentacquisition@broadviewfcu.com.
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Essential Job Functions / Responsibilities
Successful completion of the Lender Certification Program
Maintain thorough understanding of all regulations governing consumer lending
Underwrite and process consumer loan applications placed by members through all channels
Monitor multiple Lending Center queues and ensure that service levels for underwriting and document review are consistently met
Communicate directly with members regarding their loan applications in a highly effective and professional manner through multiple channels, including phone, email, text, and MeridianLink web messaging
Use a proactive service delivery approach to maximize each member interaction, set expectations, prevent unnecessary member contact, and move applications toward funding at each touchpoint
Consistently render accurate loan decisions in accordance with established policies and procedures
Use strong analytical skills to review approved loans for items such as proper stipulation completion, proper rate and term handling, full document collection, identity verification, and proper system notation
Consult with members and recommend products and services that meet member financial needs, including Broadview Insurance, payment protection, Wealth Management, and GAP coverages
Be proficient in all technical applications including MeridianLink, FIS, Intranet, Internet, and have in‑depth knowledge of core systems
Provide professional, quality service to members and assist with questions and problems related to the credit union’s loan programs
Demonstrate a full understanding of current policies and procedures necessary to underwrite consumer and student loans
Be skilled in personal and telephone interviewing techniques, including the ability to discuss loan alternatives in a manner that elicits a positive response from members
Attend all appropriate job‑related external and in‑house training and departmental staff meetings
Support the annual strategic goals by consistently pursuing assigned individual and team goals
Review credit reports with members, noting any findings, including poor credit
Offer knowledgeable financial counseling to members, staying current on the lending environment and economic conditions, and maintaining a strong understanding of lending risk
Evaluate member borrowing history through the credit report, underwrite the loan request in accordance with policy, assess risk and members’ ability to repay, and submit recommended decisions
Act as a champion for digital loan processing solutions, including online/mobile loan application, Mobile Application Center, DocuSign, and text messaging
Obtain loan documents for the member whenever possible to reduce effort in satisfying stipulations, and look for other ways to improve efficiency
Provide recommendations for efficiencies and new ideas to meet goals
Actively participate in Broadview’s community initiatives and fulfill volunteering expectations
Perform other duties as assigned
Minimum Job Qualifications
High school diploma and a minimum of one year’s experience in a related field
Prior experience in underwriting, processing, and closing consumer loans including auto, RV/Boat, sportscraft, personal, and credit card; experience at Broadview or other financial institution strongly preferred
Proven ability to review financial statements, including pay stubs, purchase agreements, insurance documents, and other supporting documentation
Ability to identify red flags in loan scenarios and supporting documentation
Prior experience in customer service, specifically cross‑selling within a financial services environment
Proficiency in Microsoft Word and Excel
Strong verbal and written communication skills
Strong mathematical and analytical skills
Starting Compensation $22.62 – $27.15 per hour, plus a competitive benefits package
Bilingual individuals who are fluent in a second language in addition to English are highly encouraged to apply.
We are an equal opportunity employer. We do not discriminate on the basis of race, creed, color, national origin, religion, sex, age, veteran status, disability, genetic information, gender identity, or any other protected class.
Broadview FCU is committed to ensuring individuals with disabilities and/or those who have special needs participate in the workforce and are afforded equal opportunity to apply and compete for jobs. If you would like to contact us regarding the accessibility of our website or need assistance completing the application process, please contact us at talentacquisition@broadviewfcu.com.
#J-18808-Ljbffr