Loan Officer - Winona, MN - Affinity Plus Federal Credit Union : Job Details

Position Overview:

A Member Consultant interacts with members through a variety of communication channels including: Face to face, Drive Thru, Phones, Mobile Apps, Chat, Text, SMS, and/or Video Banking. In listening to our member's needs and goals, a Member Consultant recommends different types of consumer lending and account products. Additionally, this role will also assist members with self-serve education, transactions, budgets, account maintenance, and other account related issues.

Duties and Responsibilities:

* Open membership savings, checking, certificates of deposit, Individual Retirement Accounts (IRA), and other credit union accounts or products

* Provide information and recommendations to members concerning services and products, directing them to appropriate person when needed

* Assist members with consumer lending questions and applications

* Listen to member needs, identify, and recommend products and services aligning with member's needs

* Determine different types of consumer loan and credit options that are available to the member

* Analyze member's financial situation and credit report to determine if it is in the member's best interest to approve the loan

* Review loan agreements and gather required documentation and ensure completeness and accuracy in accordance to policy

* Approve loans within specified limits, and refer loan applications outside those limits to management for approval

* Partner with members to understand their financial goals and assist in creating a personal budget to help them achieve those goals

* Proactively reach out to members on products or services that would be a beneficial to help achieve their financial goals

* Assist members with accurately and efficiently processing transactions

* Provide education to members on our self-serve options

* Execute wire or ACH transferring of funds

* Instant issue debit, credit, and gift cards

* Troubleshoot credit or debit card issues, online banking questions, or other general account related questions and issues

* Balance and maintain personal cash drawer and branch vault, and appropriate currency logs if applicable

* Other duties as assigned

Qualifications and Skills:

* 1+ years of customer service or professional experience working with people

* 1+ years of consumer lending experience preferred

* Ability to navigate and resolve complex issues and situations

* Ability to achieve call goals set by leadership

* Basic knowledge of credit and regulatory policy as it relates to consumer lending

* Ability to consistently identify and cross-sell product and service opportunities that will be beneficial to the member

* Strong analytical and decision-making skills required with a high degree of accuracy

* Aptitude to work independently as well as part of a team and ability to collaborate with others

* Strong verbal and written communication skills

* Time Management skills and the ability to prioritize workload based on department and member needs

* Flexibility to adapt and succeed in a dynamic environment

* Ability and drive to provide exceptional service to members and employees

* Intermediate computer skills and the ability to navigate between multiple systems with ease

Workplace Environment:

* Requires face-to-face interaction and coordination of work with other employees, and in-person interaction

* Sitting 70-80% and standing 20-30% which is determined on your rotation within the branch

* Working at a computer 98% of the day

* Utilizing the phone 40-60%

* Bending, twisting, kneeling, stooping, or crouching when appropriate, on occasion

* Repetitive movements, including but not limited to typing, using a mouse, phones, etc.

* Lift, carry, push or pull up to approximately 50 pounds (cash/coin bags, supplies, etc.)

* Requires face-to-face interaction and/or coordination of work with other employees and departments, and in-person interaction

Required Work Schedule:

Shifts between 7am - 7pm Monday - Friday and Saturday 7-3. Consistent and reliable attendance is a required essential function of this role to meet the needs of the department/team and organization.