Lending Specialist
- Cooper City, FL, 33024
About BrightStar:
As a member of BrightStar Credit Union, you'll join a dynamic, purpose-driven organization with a culture that focuses on its employees and members. We offer excellent benefits, advanced opportunities, and exceptional training. Founded in 1946 as a community-based credit union focusing on educators, we expanded to serve 23 counties across Florida. As a Trusted Advisor, BrightStar offers a diverse range of financial services and opportunities. BrightStar Credit Union is committed to creating a diverse and inclusive work environment where everyone has a chance to succeed and a sense of belonging. Our work environment is fun, fast-paced, and service-oriented.
What we offer:
- Medical, Dental, and Vision
- 401 (k) Plan with Matching
- Tuition Reimbursement Program
- Supplemental Benefits
- Engagement Area
- Wellness Studio & Gym
- Company Paid Life Insurance
- Health Savings Account with Company Contributions
About the Role:
The primary role of this position is to make a difference in our neighbors' financial lives. This is accomplished by providing the highest quality of service to both internal and external members. In addition, under the direction of the Consumer Loan Manager or VP of Lending, originate consumer loans for current and prospective members, advise and counsel members (in person or over the phone) on all loan services available, and prepare for loan closings.
Essential Functions & Responsibilities:
- Provide outstanding service to internal and external members as defined by our Service Standards and Promises.
- To maintain a professional, courteous, and friendly atmosphere for members and coworkers.
- Maintain knowledge of all BSCU products and rates.
- Develop, maintain, and demonstrate a working knowledge of credit union loan standards, policies, procedures, and applicable state and federal government rules and regulations.
- Assist applicants with loan product decisions by structuring the loan to provide the optimum product to meet the member's financial needs.
- Accurately and completely input all applications as well as ensuring completeness and accuracy of loans coming from web applications, call center, and/or branch staff.
- Process the loan application in a timely and accurate manner by obtaining all required documentation and obtaining a clear to close.
- Assist prospective members with the opening of new BrightStar memberships.
- Cross-sell BSCU products and services, including but not limited to BSCU checking accounts, Auto Advisor service, Debt Protection, GAP, and Warranty.
- When necessary, produce loan documents, organize and complete member loan files in a timely fashion.
- Maintain knowledge with B.S.A. Compliance training.
- Other job-related duties as assigned.
Minimum Expectations of Knowledge and Skills:
Experience - One year to three years of similar or related experience.
Education - (1) A two-year college degree, or (2) completion of a specialized certification or licensing, or (3) completion of specialized training courses conducted by vendors, or (4) job-specific skills acquired through an apprenticeship program.
Interpersonal Skills- Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation. Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.
Other Skills:
- Knowledge of consumer loan processing including but not limited to autos, unsecured, and real estate loans with strong attention to sales.
- Must have working knowledge of regulations affecting consumer loans and be able to communicate regulatory requirements and changes to management.
- Must have good communication and leadership skills.
- Knowledge of MeridianLink system preferred.
- Working knowledge of spreadsheets and be able to use general office equipment as well as internet resources.
- Bi-lingual is a plus.
Competencies
- Communication-20
- Decision Making/Judgement-20
- Customer Service-20
- Job Knowledge-20
- Initiative-20
Compliance:
Every employee must uphold the credit union's compliance with the Bank Secrecy Act and anti-money laundering policies and procedures. Specific functions with B.S.C.U. will consider the awareness of unusual or suspicious activity that is relevant to the department.
- In addition to any other assigned training courses, online B.S.A. and O.F.A.C. courses must be completed at least annually, as made available by the Training and Compliance Department.
- Maintains comprehensive knowledge of the Bank Secrecy Act, Customer Identification Program, U.S.A. Patriot Act, O.F.A.C., Fair Lending, and Credit Card Act.
Physical Requirements:
The physical demands described here represent those that an employee must meet to perform the essential functions of this job successfully. Reasonable accommodation may enable individuals with disabilities to perform essential functions. While performing the duties of this Job, the employee is regularly required to sit, use hands to finger, handle, or feel, and talk or hear. The employee is frequently required to walk and reach with hands and arms. The employee must occasionally stand, stoop, kneel, crouch, or crawl. The employee may occasionally lift and move up to 10 pounds. Specific vision abilities required by this job include close vision and the ability to adjust focus.
Work Environment:
The work environment characteristics described here represent those an employee encounters while performing this job's essential functions. Reasonable accommodations may enable individuals with disabilities to perform essential functions.
BrightStar Credit Union is an Equal Opportunity Employer. BrightStar Credit Union is a Drug-Free Workplace