Digital Lending Agent

Description

Responsible for processing and booking loans while evaluating applications received online and through the Member Care Center. Analyzes applicants’ financial and credit information to assess risk and make approval or denial recommendations within established guidelines. Prepares, closes, and disburses loans accurately and in a timely manner, coordinating with branches for in-person closings when needed.

Provides clear guidance to potential and current members throughout the loan process, answers questions, and recommends loan solutions to meet member needs. Actively cross-sells loan products and related services, including payment protection, GAP, and warranties, as appropriate.

This role is located at the Main Branch in Tuscaloosa, AL.

Requirements

Experience: One year to three years of similar or related experience.

Education: A high school education or GED.

General Knowledge and Skills:

• Good logical and analytical judgment

• Very good communication skills and organizational skills are required.

• Use of standard English grammar, punctuation, and spelling in written communication are vital to this position.

Technical Skills:

• Proficiency in the use of a personal computer to include MS Word, Excel, Outlook (including organization tools such as calendar, task reminders, etc.).

• The ability to use web and web-based applications.

• Proficiency in the use of 10-key calculator.

• Keyboarding 45wpm.

• Basic spectrum, understanding of governmental regulations for financial institutions.

Leadership Skills:

• Moderate cross-selling abilities.

• The ability to comprehend and apply the consumer lending policy and guidelines when processing loan applications and submitting recommendations to the underwriters.

• The ability to effectively present relevant loan information to underwriters.

• The ability to effectively assist co-workers with loan applications or questions.

Industry Knowledge:

• Understand the basics of titles and UCC filings.

• The ability to communicate the benefits of consumer loan products while striving to sell appropriate products to protect the member.

• The ability to work all type consumer loans with limited exceptions.