Consumer Lending Representative

At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement--available to all full and part time employees. Part time positions start at a minimum of 30 hours per week.

We encourage you to become a part of VyStar Credit Union's family of employees.

Consumer Lending Representative

ACCOUNTABILITY STATEMENT
The primary focus of the Consumer Lending Representative (CLR) will be to provide member facing support to our members to expedite their consumer loan applications, provide analytical and operational support to the Underwriting Team and the Consumer Lending Loan Processing team throughout the consumer loan process. The position requires excellent interpersonal skills, extensive direct member contact, the ability to negotiate with members regarding loan approvals by effectively utilizing sales skills and VyStar Excellence to facilitate loan closings. The incumbent must quickly adapt to change, be a proactive thinker and make independent decisions that benefit the member and the credit union.
The incumbent is responsible for reviewing consumer loan applications and ensuring all documentation provided through the Contact Center, Digital and Consumer Lending loan channels is accurate and complete. They must utilize their credit analysis skills and judgment to make appropriate recommendations for loan decisions for the Underwriting group, provide a quality loan application for the Underwriting and Consumer Lending Loan Processors to review and facilitates loan funding. The CLR understands and is responsible for ensuring that all VyStar policies and procedures and state and federal guidelines are followed.

ESSENTIAL RESPONSIBILITIES

• Ability to have quality conversations with members and potential new members, ask questions, listen carefully, and make appropriate product and service recommendations.
• Responsible for working all digital, employee, large boat loan applications and follow-up on Contact Center representative applications.
• Present appropriate products and services in a positive, professional, and knowledgeable manner so that members can make informed decisions.
• Fulfill member and prospective new member loan applications with a focus on quality and working each loan application through quickly and accurately to a funding state.
• Utilize daily reporting and MeridianLink loan queues to ensure that appropriate follow-up on loan applications is completed within departmental service levels and applicable regulatory timeframes.
• Must be able to communicate effectively with our dealers, brokers, third-party vendors and with other business teams within the organization.
• Processes all credit union employee loans for direct consumer lending with the utmost confidentiality regarding credit and income.
• Possesses a good working knowledge of all closing paperwork, the DocuSign process and can work explain effectively to help members understand their loan documents and disclosures.
• Assists and helps to coordinate loan closings for members through the Branch network and remote closings for our members via DocuSign to facilitate fast closings at member convenience.
• The incumbent must possess the knowledge to read, analyze, and evaluate multiple credit bureau reports and make appropriate cross-sell recommendations to ensure that our member has the best product for their needs.
• Review and analyze member verification of income and employment including having a working knowledge of Tax Return verification.
• Review all supporting loan documentation such as Buyer’s orders, JD Power and KBB valuation and verification of citizenship and identity.
• Thoroughly examine and authenticate all member documentation to ensure there are no signs of fraud and suspicious behavior that trigger BSA Red Flag Procedures.
• Maintain current working knowledge of VyStar Credit Union’s policies and procedures and all applicable state and federal regulations.
• Involve relevant individuals in the decision-making process and make prompt and well-informed choices. Take accountability, fulfill obligations, and handle stressful situations adeptly.
• Perform all other duties as assigned

Incumbent is expected to demonstrate each of the following VyStar Excellence behaviors in performing the duties and responsibilities of their job.

• Focus-Focus your full attention by carefully listening to and observing your member.
• Connect-Consistently be friendly and approachable. Demonstrate that you care.
• Understand-Listen empathetically and ask questions. (70%/30%).
• Counsel-Recommend solutions based on your member’s needs and objectives.
• Advance-Ensure that member's expectations were exceeded and verify any necessary follow-up action.

Job Qualifications

Education

• Either High School or GED with 2-4 years of lending experience
• Either a Bachelor’s degree in a related field or 2-4 years of lending experience OR Associates degree with 2 years of lending experience

Experience

2+ years lending experience, Consumer Lending experience is preferred

Knowledge, Skills, and Abilities

Required:

• Must be able to work a flexible schedule Monday-Saturday with overtime as needed.
• Must have excellent interpersonal skills to effectively communicate with both internal and external members, dealers, third party vendors and other financial institutions.
• Must be self-motivated, solutions oriented and able to work well independently.
• Demonstrated track record of superior academic and work performance; demonstrated commitment to outstanding results.
• Ability to prioritize tasks and manage rapidly changing assignments in a team environment.
• Must possess and utilize excellent verbal and written communications skills.
• Must possess and utilize excellent listening skills.
• Must possess and utilize excellent telephone skills.
• Must be personable and possess a strong service ethic.
• Must be able to handle many tasks in a fast-paced environment.
• Must possess strong critical thinking and decision-making abilities.
• Must possess a comprehensive knowledge of all consumer lending products, services, ancillary products, and policies and procedures applicable to state and federal guidelines.

DISCLAIMERS AND WORK ENVIRONMENT

Nothing in this position description is an implied contract for employment. The position description is intended to be an accurate account of the essential functions. The functions are not all encompassing and are subject to change at any time by management.

The work environment characteristics described are representative of those that an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

As required or requested, may exert up to 20 pounds of force occasionally and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects.

VyStar Credit Union is not seeking outside assistance or accepting unsolicited resumes from staffing agencies or search firms for employment or contractor opportunities. Any resumes submitted by an outside vendor to any employee at VyStar via e-mail, internet, or directly to hiring managers without a valid written search agreement with the Talent Acquisition / HR department will be deemed the sole property of VyStar Credit Union.

No placement fee will be paid if a candidate is hired as a result of the referral, or through other means.

Thank you for your inquiry regarding our current job opening. Your resume will be carefully reviewed against the position requirements. Should your experience and skills match, you will be contacted by one of our Human Resources department staff members.

Thank you again for your interest in this position!

VyStar Credit Union Human Resources