Are you passionate about delivering exceptional member by helping them with their lending needs? Would you thrive helping members with their financial wellbeing? Members First Credit Union is seeking an enthusiastic Digital Experience Lender I to connect with members through our digital channels. This is a remote position. Be part of a growing credit union that has a positive impact on the communities we serve!
We strive to create an atmosphere of belonging with no judgment, just opportunity. We are interconnected to each other, and when we embrace out true authentic selves, we are stronger. We will empower you to be the best version of yourself while helping you to flourish in work and life. Come join us to help create thriving communities!
Digital Experience Lender I
Grade 8/Non-Exempt
Reports to: Digital Experience Leader
The primary purpose of this position is to assist Members First Credit Union to deliver on its mission, vision, and brand promise. You will do this by living out our core values in every service contact to both internal and external members. At the heart of our Employee Value Proposition lies the belief in purpose, belonging, and joy, fostering a culture where every team member feels invested and encouraged to make a meaningful impact in the lives of others.
Essential Duties
- Loan Authority Limits Secured 50k and Unsecured 10k
- Deliver a trustworthy digital lending member experience that strives for continuous improvement aligning with our lending strategies
- Provide engaging and reliable member service to all applicants, leading the process from prospect generation, closing of the sale, and capturing full member relationship
- Deliver on the credit union’s core values in every situation
- Ability to work Saturdays on a rotating basis
- This position is remote – must be able to work from home and have strong internet connection
- Successfully obtain Certified Credit Union Financial Counselor (CCUFC) designation through America's Credit Unions within first year of service with M1.
Duties and Responsibilities
The following statements are intended to describe the general nature and level of work being performed by this position. It is not intended to be an exhaustive list of all duties, responsibilities and skills required of this position. Other duties may be assigned to meet business needs.
- Own the member relationship with follow through on pending loan requirements prior to close
- Provide outstanding prompt, professional, helpful, knowledgeable and courteous member service
- Ensure that members are highly satisfied with credit union products and services and well supported through digital experience
- Continually make recommendations to the Digital Experience Leader to improve products, services, and processes
- Must maintain a high level of knowledge in Lending, credit union products/ services, policy, philosophy, and culture, and overall service processes to ensure maximum member experience
- Build relationships and collaborate with internal departments to foster teamwork and ensure successful performance
- Pursue and attend opportunities for professional growth as well as required training/education. Prepare pre- and post-write-ups on the educational experience and ideas for implementation
- Receive and close incoming hot transfer lending applications generated through phone calls
- Utilize outbound leads to increase loan growth through efficient and innovative online lending that will deepen existing member relationships
Sales Expectations
- Successfully demonstrate effective relationship building with the membership
- Offer value proposition, creating urgency, and close the sale during initial interaction
- Ability to comprehend technology and develop strategies to increase business opportunities
- Create opportunities for expanded member relationships by determining member needs for additional products and services to increase product usage, member retention and member growth
- Educate members on Protection Solutions package
Lending Expectations
- Inform members of loan opportunities available to them
- Maintain up-to-date knowledge of competitors’ rates and terms and other trends relating to consumer lending
- Review loan applications from members to determine feasibility of approving loan requests
- Access credit-reporting system, review report and compare against the loan application
- Calculate debt ratios on applicants
- Create opportunities for expanded member relationships by determining member needs for additional products and services
- Complete loan application, updating member’s records and preparing new records as required
- Analyze all information pertinent to the granting of a loan and make appropriate decision
- Must have a good knowledge of all State and Federal laws governing the loan process
- Quote total payment; including Protection Solutions package
Qualifications and Expectations
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the expectations of the person performing this job.
- Work autonomously and Team Oriented
- Ability to motivate and influence others
- Be a brand advocate 100% of the time
- Readily keeps others informed through clear interpersonal and written communication
- Present a professional image
- Strive to exceed credit union, department, and personal goals
- Demonstrate a highly motivated, positive, out-going, influential personality with a strong emphasis on building relationships
- Flexibility to work non-traditional hours
- Ability to understand and problem-solve
- Strong attention to detail
- Courtesy, tact, and diplomacy are essential elements of the job. Work involves personal contact with others inside and /or outside the organization generally regarding routine matters for purposes of giving or obtaining information, which may require some discussion
- Effectively apply and maintain financial counseling concepts, gained through America's Credit Unions' Financial Counseling Certification Program (FiCEP), to promote financial well-being
Physical Requirements
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.
- Ability to move or transport up to 25 pounds
- Able to remain stationary for 2-4 hours at a time
Work Environment
- Must maintain a neat and orderly work area
- Routinely clean and disinfect work areas (i.e. teller stations, desk surfaces, phones, electronic equipment)
- Protect the confidentiality of credit union staff and members by locking door or removing items from desk/workstation when away
Education and Experience
- Minimum of High School Graduate or equivalent
- One to three years similar or related experience
- Working knowledge of loan processing and credit analysis
- Strong interpersonal and public relation skills
- Excellent sales abilities
- Skills in Microsoft Word, Excel, and Outlook