Consumer Loan Originator

Benefits:

401(k) matching

Competitive salary

Dental insurance

Health insurance

Paid time off

Profit sharing

Tuition assistance

Vision insurance

Opportunity for advancement

Consumer Loan Originator

Position Summary

The Consumer Loan Originator is responsible for assisting members with consumer lending needs by providing knowledgeable guidance, evaluating loan requests, and delivering personalized financial solutions. This role focuses on building strong member relationships, ensuring a positive lending experience, and supporting the credit union’s commitment to exceptional member service.

The ideal candidate is proactive, goal-oriented, and committed to providing exceptional service while meeting or exceeding individual production targets.

This position requires participation in a Saturday rotation and occasional travel for training or business needs.

Supervisory Responsibilities

None

Key Responsibilities

Reasonable accommodations may be made to enable individuals with disabilities to perform these essential functions.

Assist members with consumer loan applications through phone, online, and in-person channels

Review member financial information, including credit reports, income, and debt obligations, to determine appropriate loan options

Communicate loan decisions clearly and professionally while providing alternative options when applicable

Build and maintain positive member relationships by identifying financial needs and recommending suitable credit union products and services

Ensure all required documentation is collected and submitted accurately for processing

Maintain knowledge of loan products, lending guidelines, and credit union services

Support member retention by delivering a high level of service throughout the lending process

Assist with promoting new products, services, and lending programs as needed

Perform other duties as assigned

Performance Expectations

Maintain quality and accuracy in loan applications and documentation

Meet established loan production goals

Provide excellent member service and timely follow-up

Contribute to department and organizational lending objectives

Maintain strong compliance and operational standards

Core Competencies

Strong member service and communication skills

Ability to build rapport and maintain professional relationships

Sound judgment and decision-making abilities

Knowledge of consumer lending practices and credit analysis

Strong organizational skills and attention to detail

Results-oriented with a competitive drive to meet goals

Ability to work effectively in a fast-paced environment

Adaptability and professionalism

Education and Experience

High school diploma or equivalent required

Minimum of two (2) years of experience in lending, banking, financial services, or related experience preferred

Skills and Qualifications

Experience working with consumer loan applications and documentation preferred

Strong attention to detail and organizational abilities

Excellent interpersonal and communication skills

Proficiency in Microsoft Office (Word, Excel, Outlook, PowerPoint)

Certifications and Requirements

Successful completion of required BSA training

Must be bondable/insurable

Work Environment

This role operates primarily in an indoor office environment with moderate noise levels. Occasional travel, evening, and weekend hours may be required to support business needs and member demand.

Schedule and Compensation

This is a full-time, non-exempt position offering a competitive base salary plus commission based on loan production and performance.

Department Hours of Operation

Monday – Friday: 7:30 a.m. – 6:00 p.m.

Saturday: 9:00 a.m. – 1:00 p.m. (typically one Saturday per month)

Work Schedules

Shifts are assigned within department hours and may vary based on business needs:

7:30 a.m. – 4:30 p.m.

8:00 a.m. – 5:00 p.m.

9:00 a.m. – 6:00 p.m.

Physical Requirements

The employee must be able to:

Sit, stand, and walk for extended periods

Use hands for typing and handling documents

Communicate effectively (talk and hear)

Occasionally kneel, crouch, or lift up to 25–30 pounds

Employment Requirements

All applicants must meet the following conditions:

U.S. Citizenship

Successful completion of a background investigation

Benefits

401(k) with employer match and profit sharing

Medical, Dental, Vision, Life, Short-Term and Long-Term Disability

Paid Holidays and Paid Time Off (PTO)

Tuition Reimbursement (terms apply)

Employee Assistance Program (EAP)

Disclaimer

This job description is intended to outline the general responsibilities of the role and is not an exhaustive list of all duties. Responsibilities may change at any time with or without notice.

Sunbelt Federal Credit Union is an Equal Opportunity Employer.