Consumer Lending Processor at WEOKIE Federal Credit Union – Oklahoma City, Oklahoma

BASIC FUNCTION

Under general supervision, builds and maintains successful member relationships by funding and servicing loans to the member’s complete satisfaction, while simultaneously ensuring that supporting documentation and records are accurately prepared according to WEOKIE policies. Meets or exceeds all funding goals with minimum errors and processes pending loans in a timely, consistent manner.

MAJOR ACTIVITIES

1)Provides an excellent member experience through good communication. Fully explains the terms of the loan along with payments, interest, etc. Ensures understanding of insurance products already sold by the Lending Specialist; making sure there are no questions prior to signing the loan documents.

2)Explains the pre-signing process, how documents will be received and what will be required prior to signing. Fully explains the post closing process, how to make payments, provide insurance, or any other communication required to make the member's experience as thorough and pleasant as possible.

3)Demonstrates comprehensive knowledge of all Consumer Lending products, services, procedures and guidelines.

4)Maintain a 5% maximum error rating or less on total loans funded each month while consistently meeting deadlines, funding goals and efficiency requirements

5)Accurately determine values for various types of collateral.

6)Displays a commitment to excellent member service and strong interpersonal skills by building and maintaining positive relationships with various vendors, internal partners, and team members.

7)Communicates effectively in writing and verbally. Understands how to use phone skills and text messaging platform in the best way and can create a high level of member service using these mediums.

8)Follows up with key individuals immediately (within 24 hours) to resolve problems and/or respond to inquiries.9)Performs other duties as assigned.

QUALIFICATIONS

A. Specialized or Technical Knowledge and Skills:

1)High School diploma or equivalent required.

2)Minimum of two (2) years consumer lending experience or equivalent desired.

3)Minimum one (1) year or more customer service experience required.

4)Six (6) months or more credit union experience desired.

5)Strong attention to detail and ability to analyze complex information.

6)Excellent computer skills, particularly in Microsoft Word and Excel.

7)Fully knowledgeable of and able to communicate with members about credit bureau reports and credit histories, risk-based lending scores, invoice and wholesale values of collateral, lien perfections, loan and deposit rates, credit union policies and procedures, and loan decisions

8)Superior verbal and written communication skills.

9)A passion for people and service, as well as a dedication to building relationships with members.

10)Ability to work with members and staff tactfully and professionally, both in-person and on the phone.

11)Ability to work proactively and independently with minimal supervision.

B. Behavioral Competencies: Behavioral competencies are the skills and personal characteristics that an individual should possess in order to be successful in this position.

1)Core Competencies: Core competencies are consistent for all positions across the organization and are aligned with WFCU’s core values.

a)Dependability: Meets commitments, works independently, accepts accountability, handles change, sets personal standards, stays focused under pressure, and meets attendance/punctuality requirements.

b)Integrity/Ethics: Deals with others in a straightforward and honest manner, is accountable for actions, maintains confidentiality, supports company values, conveys good news and bad.

2)Job Specific Competencies: The position requires a wellrounded and levelheaded individual who is able to maintain composure in a variety of situations. The following stand out among a long list of behavioral competencies for this position:

a)Leadership: Leads through change and adversity, makes the tough call when needed. builds consensus when appropriate, motivates and encourages others.

b)Managing for Results: Sets challenging and productive expectations for team, keeps team accountable for actions, provides leadership and motivation, provides resources and support, uses checkpoints and data to track progress, sets up systems and processes to measure results.

c)Managing Performance: Applies clear/consistent performance standards, handles performance problems decisively and objectively, is direct but tactful, provides guidance and assistance to improve performance.

d)Job Knowledge: Understands duties and responsibilities, has necessary job knowledge, has necessary technical skills, understands company mission/values, keeps job knowledge current, is in command of critical issues.

B. Physical Demands: The physical demands described here are representative of those that must be

met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is required to see details at a close range. The employee may be required to occasionally lift and/or move up to 50 pounds. Work Environment: The work environment characteristics described here are representative of those 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. The worker is not substantially exposed to adverse environmental conditions. The noise level in the work environment is usually moderate.