Lending Specialist-Sales (Consumer Loan Officer)

Founded in 1957, Ent is a member-owned credit union with a passion for people, not for profit. With $8 billion in assets and over 420,000 owner-members across more than forty convenient Front Range locations, Ent is Colorado's largest credit union. In addition to a reputation as a leader in philanthropy and financial literacy, Ent has been nationally recognized by Forbes as the overall #1 credit union in Colorado for four years running. We know that growth, accolades and reputation are a result of the entire Ent family of employees working together to serve our members. To that end, we are equally proud to be recognized as an "employer of choice" and to have received nominations and awards as a "Best Place to Work" in both Southern Colorado and the Denver metro area. Ent's numerous Employee Engagement Groups (EEGs) offer micro-communities of like-minded employees and a chance to express your personal passions through volunteerism and philanthropy while our best-in-class benefits package and competitive salaries reward you for a job well done.

At Ent Credit Union we commit to fostering an environment of belonging, embracing and celebrating individual uniqueness and providing opportunities for all to thrive.

This position is fully responsible for the attainment of all Direct Consumer Loan production goals as well as working as part of a global group towards the highest levels of member satisfaction and attainment of other KPI goals. Consumer loans will be originated and loan closings will be facilitated/funded by members of the lending sales team via our center network, lending center, web, or other delivery methods. All members of the lending sales team will be charged with helping existing members, and potential members maximize the benefits of their Ent relationship. This will be accomplished through 1. A consultative sale/service approach that helps members realize the value of product and service offerings here at Ent; whether they be consumer loan related or otherwise, 2. Through account management and business development endeavors that will include both internal and outbound pursuits. 3. By utilizing their expertise, training and experience to help members in a productive financial counseling capacity (help members make the best use of their money) at all levels of the consumer lending process, including delivering denial loan decisions.

Essential Duties and Responsibilities:

• Interview applicants about financial history and future financial goals while submitting loan applications. Provide a channel where members can receive the highest level of expertise and guidance through their loan process to accomplish their financial goals.
• Internal and External Business Development and Account Retention/Management. Control loan runoff and increase interest/fee income.
• Advise members through their loan closing documents, terms and responsibilities to repay while ensuring accuracy and regulatory compliance. Fund member's loan applications with high degree of specialization to avoid potential losses caused by inaccuracies and error.
• Reporting and tracking. Help identify trends that can be addressed to improve service and productivity.
• Supporting Education and Service Teams. Provide means to reach service level agreements.
• Self Development in the areas of personal/consumer finance and sales. Improve effectiveness and profitability.
• Bank Secrecy Act: Remains cognizant of and adheres to Ent policies and procedures, and regulations pertaining to the Bank Secrecy Act.

Minimum Formal Education for this Position:

• High School Diploma/G.E.D. or equivalent

Minimum Work Experience:

• 2 years' experience in a financial services institution to include:
• 1 years' experience with Consumer or Mortgage Loan Origination.
• 1 years' experience as an Ent MSR-LC. preferred

Each year of relevant work experience may be exchanged for a year in a relevant degree program or vice versa. For example, a requirement of "Knowledge Consistent with a Bachelor's Degree in Accounting and 2 years' of accounting experience? could be substituted for a High School Diploma and 6 years of relevant accounting work experience or a Master's Degree in Accounting and 0 years of work experience

Technical or Specialized Knowledge/Skills:

• Knowledge of Credit Reporting/Scoring.
• Knowledge of Personal Finance ? auto buying, real estate lending, current affairs related to consumer Finance.
• Knowledge of Lending Regulations related to consumer lending.
• Strong critical thinking / analytical.
• Exceptional verbal and written communication skills.
• Capacity to learn and execute new sales skills.
• Typing skills ? 30 words per minute or more.
• 10 Key by touch.

Proficient with the Microsoft Office suite (Word, Excel, Outlook) and Lending Software.
Certifications Required:
Environmental, Physical and Psychological Requirements

• Standing - Occasionally
• Walking - Occasionally
• Sitting - Frequently
• Lifting - Rarely (40 Lbs)
• Carrying - Rarely
• Pushing - Rarely
• Pulling - Rarely
• Balancing - Rarely
• Stooping - Rarely
• Kneeling - Rarely
• Crouching - Rarely
• Crawling - Rarely
• Reaching - Occasionally
• Handling - Occasionally
• Grasping - Occasionally
• Feeling - Occasionally
• Talking - Frequently
• Hearing - Frequently
• Repetitive Motions - Frequently
• Eye/Hand/Foot Coordination - Occasionally
• Noises louder than normal speaking volume - Occasionally
• Temperature Changes - Rarely
• Atmospheric Conditions - Rarely

The salary/hourly range for this position is: $22.01 – $22.59 (S12).

This position is eligible for monthly incentives based on performance.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities.

Benefits Summary Sheet - 2022

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)