Consumer Loan Officer - Hope Credit Union / Hope Enterprises : Job Details

Title: Consumer Loan Officer

Department: Retail

Reports To: VP, Consumer Sales

Supervises: N/A

Job Classification: Full-time, Exempt

HOPE Overview

HOPE (Hope Enterprise Corporation, Hope Credit Union and Hope Policy Institute) provides financial services; leverages resources; and engages in advocacy that strengthens the financial health and wealth of people in under-resourced Deep South communities. Since 1994, these efforts have benefitted more than three million people in Alabama, Arkansas, Louisiana, Mississippi and Tennessee, and influenced billions in persistent poverty communities across the nation. Learn more at www.hopecu.org.

Job Summary

The Consumer Loan Officer is a key professional responsible for managing consumer loan services. This role involves assisting with and assessing loan applications, evaluating members' creditworthiness, and explaining loan options and terms while ensuring all documentation complies with regulatory standards. Additionally, the Consumer Loan Officer identifies and pursues new loan opportunities throughout HOPE's footprint. By providing expert advice on loan products and proactively engaging with the community, they play a crucial role in expanding the member base and enhancing HOPE's overall success.

Responsibilities

* Conducting needs-based conversations with members

* Assisting members with completing loan applications

* Assessing loan applications and creditworthiness

* Explaining loan options and terms to members

* Processing loan documentation

* Ensuring compliance with lending regulations

* Managing member relationships

* Advising members on suitable loan products

* Identifying and pursuing opportunities to expand and deepen individual member relationships

* Cross-selling different HOPE products to members and collaborating with other departments to ensure a seamless onboarding experience

Desired Qualifications

* Bachelor's degree or equivalent education and experience in relevant field.

* 2+ years of experience in consumer lending, loan processing, or a related role

* Experience in sales or cross-selling financial products

Work Environment

* Employee spends the majority of time in office environment, generally accessible to the public, members, and potential members

* Noise level in the work environment is usually moderate

* Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Physical Demands

* Employee is regularly required to sit, stand and walk

* Employee will use hands to finger, handle or feel, reach with hands and arms, and talk or hear

* Employee will irregularly lift and/or move up to 10 pounds

* Employee will frequently travel to various branches within the company's market

* Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.