Consumer Lending Specialist, Credit Union

USC Credit Union is seeking an experienced Consumer Lending Specialist to originate loans for credit union members while building strong, profitable financial relationships and delivering exceptional member service. This individual builds and fosters profitable financial relationships with members and potential members while providing outstanding service and recommending appropriate credit union products. They gather and analyze member data to offer customized solutions, maintaining a primary focus on improving the overall financial well-being of member-owners while consistently meeting or exceeding minimum performance and service standards.

Responsibilities include, but are not limited to:

• Assists members with submission of credit card and unsecured loan applications. Interviews loan applicants. Describes application review process and provides recommendations.

• Discusses key aspects of financing (e.g., rates, terms, payment amounts).

• Provides information on insurance programs (e.g., GAP, MBI, Credit Life and Disability), loan coverage options, and other ancillary products.

• Assists customers in submitting applications for memberships and additional deposit products. Reviews membership applications and consumer information from various reporting agencies. Completes account opening.

• Uses credit scoring, sound lending practices and judgment to make lending recommendations.

• Funds consumer loans in accordance with credit union guidelines. Explores other lending alternatives with members, as appropriate.

• Discusses adverse action reasons with members in case of loan or account denial and counsels them on opportunities to improve future eligibility.

• Deepens member relationships and supports achievement of department’s sales goals by recommending appropriate products and services.

• Completes all required training to maintain compliance with all job-related laws, regulatory requirements, and procedures. Ensures compliance with all applicable laws, regulatory requirements, and procedures.

• Participates in testing and review of new credit union processes and procedures. Participates in assigned professional development programs in support of the credit union’s commitment to increases sales, service, quality, and teamwork.

The ideal candidate will:

• Have a high school diploma or equivalent; bachelor’s degree preferred.

• Have 1+ year of customer service, sales, retail banking, or financial services experience; 3+ years preferred.

• Have consumer lending knowledge and strong communication, relationship-building, multitasking, and teamwork skills.

• Be proficient with Microsoft Excel, Google Suite, Slack, and similar tools.

• Understand key banking regulations, including BSA, Regulation E, and GLBA.

Compensation:

The hourly rate range for this position is $26.00 - $28.00. When extending an offer of employment, the University of Southern California considers factors such as (but not limited to) the scope and responsibilities of the position, the candidate's work experience, education/training, key skills, internal peer equity, federal, state, and local laws, contractual stipulations, grant funding, as well as external market and organizational considerations.

Why USC Credit Union is a great place to work:

• Medical through USC Network: https://employees.usc.edu/medical/

• Dental: https://employees.usc.edu/dental/

• Vision: https://employees.usc.edu/vision/

• Dependent Care and Health Care Flexible Spending Accounts (FSAs): https://employees.usc.edu/fsas/

• Retirement with up to 10% employer contributions: https://employees.usc.edu/usc-retirement-savings-program/

• Tuition reimbursement: https://employees.usc.edu/tuition-benefits/

• Paid Time Off (PTO) including, up to 24 vacation days (based on tenure), 12 sick days, 9 paid holidays, 1 paid personal day, 4 paid winter recess days, paid bereavement, and paid jury duty: https://employees.usc.edu/time-off/

• Life and voluntary insurance benefits: https://employees.usc.edu/insurance (https://employees.usc.edu/insurance-b) benefits/

• WorkWell Center that provides programs, resources, and services to benefits-eligible staff and their dependents, that help them thrive in all areas of work-life wellness: https://workwell.usc.edu/

• Other generous perks and discounts: https://employees.usc.edu/perks/

Fight on!!!

Minimum Education: High school or equivalent Minimum Experience: 2 years Minimum Field of Expertise: Previous experience in sales, retail or financial institutions (operating in a sales-driven environment) with proven track record of meeting production/sales goals. Must possess a minimum of one year consumer underwriting experience. Must be familiar with Word, Excel and Outlook. Demonstrated excellent interpersonal skills. Has effective organizational skills. Utilizes effective sales techniques with limited supervision. Able to consistently meet or exceed established performance goals in a financial services environment.