Consumer Lending Sales Specialist

Job Description

Job Description

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.