Position Title: Consumer Lending Sales Specialist

Reports To: Lending Manager

Grade Level: 7

Full Salary Range: $20.70 - $31.05

Hiring Salary Range:$20.70 - $25.87

Position Summary

The Consumer Lending Sales Specialist is responsible for generating and originating consumer loans through inbound and outbound sales activities. This role manages phone and internet applications, conducts outbound prospecting, guides members through the lending process, establishes memberships when required, and promotes deposit products that strengthen member relationships. The position is commission eligible and is expected to achieve established lending, sales, and service goals.

Duties and Responsibilities

Accept and process inbound loan applications and inquiries.
Manage internet loan leads and digital applications.
Conduct outbound calling campaigns to generate new lending opportunities.
Interview applicants and gather required information.
Collect, verify, and track stipulations and supporting documentation.
Explain loan decisions, terms, conditions, and funding requirements.
Prepare and distribute loan documents for signature.
Prepare completed loans for funding and quality control review.
Establish membership accounts when required prior to funding.
Educate members on basic deposit products and services.
Maintain compliance with lending policies and regulations.
All other duties as assigned.

Qualifications

Education & Experience

High school diploma or equivalent required.
Associate or Bachelor degree preferred.
2–4 years of experience in consumer lending, loan origination, financial services sales, or a high-volume sales and service environment required.
Experience with consumer loan applications, loan processing, indirect lending, call center operations, or financial institution sales preferred.

Competencies & Skillset

Strong sales and relationship-building skills.
Knowledge of consumer lending products and processes.
Ability to communicate effectively by phone and digital channels.
Strong organizational, follow-up, and time management skills.
Attention to detail and accuracy.
Ability to manage multiple priorities in a fast-paced environment.

Benefits

Health, Vision, Dental Insurance
Long-term Disability Insurance
Critical Illness
Life Insurance
401(k) match
Profit sharing
PTO
Flexible Spending Account
Tuition Reimbursement - Up to $4,000 annually
Pet Insurance
Commuter Benefit

Applicable federal and multi-state regulations including, but not limited to:

Federal Credit Union Act (FCUA)
NCUA Rules and Regulations (12 CFR Chapter VII)
12 CFR Part 701 – Organization and Operation of Federal Credit Unions
12 CFR § 701.21 – Loans to Members and Lines of Credit to Members
12 CFR Part 716 – Privacy of Consumer Financial Information
12 CFR Part 717 – Fair Credit Reporting
Truth in Lending Act (TILA), Regulation Z
Equal Credit Opportunity Act (ECOA), Regulation B
Fair Credit Reporting Act (FCRA), Regulation V
Fair and Accurate Credit Transactions Act (FACTA)
Gramm-Leach-Bliley Act (GLBA), Regulation P
Consumer Financial Protection Act (CFPA)
Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) Requirements
Electronic Signatures in Global and National Commerce Act (E-SIGN Act)
Bank Secrecy Act (BSA)
USA PATRIOT Act
Office of Foreign Assets Control (OFAC) Regulations
Red Flags Rule
State Credit Union Acts and Regulations
State Consumer Lending Laws
State Consumer Credit Laws
State Motor Vehicle Title Laws
State Motor Vehicle Registration Laws
State Motor Vehicle Finance Laws
State Electronic Lien and Title (ELT) Requirements
State Lien Perfection Laws
State Vehicle Lien Release Requirements
State Uniform Commercial Code (UCC) Secured Transactions Laws
State Privacy and Data Protection Laws
State Consumer Fraud and Deceptive Trade Practices Laws
State Electronic Transactions Acts
State Record Retention Laws
State Unclaimed Property (Escheatment) Laws
State Notary and Electronic Notarization Laws
Applicable Department of Motor Vehicles (DMV) Regulations and Requirements
Multi-State Vehicle Titling Requirements
Multi-State Vehicle Registration Requirements
Multi-State Consumer Lending Requirements
Multi-State Consumer Protection Requirements
Multi-State Privacy and Data Protection Requirements

While performing the duties of this job, the employee is frequently required to sit, view information on a computer screen, and talk or hear. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

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