Loan Consultant

Job Description

Job Description

Credit9 is growing and seeking a motivated, career-driven Loan Consultant to join our team. This is an excellent opportunity for individuals with sales, lending, or customer service experience who want to maximize their earning potential through performance-based incentives. As a Loan Consultant, you will assist consumers through the loan application, submission, and funding processes ensuring they receive the best loan options for their financial situation. You will engage with a high volume of leads, assess creditworthiness, and guide borrowers through the lending process with expert financial solutions. This role offers unlimited earning potential through a competitive bonus incentive plan based on funded units.

Compensation: $19.50 per hour plus commission.

Work Location: Irvine, CA

Job Duties:

• Field inbound calls from prospective borrowers seeking a debt consolidation loan.
• Prescreen loan applicants for creditworthiness and present loan products to meet their unique financial situation and requirements.
• Present loan options tailored to the client’s financial needs and requirements.
• Manage a large volume of calls and emails from prospective borrowers.
• Become a subject matter expert in unsecured lending programs, rates, and guidelines.
• Review credit liabilities and income to determine an accurate debt-to-income ratio.
• Obtain required loan documentation in accordance with Underwriting guidelines.
• Review income, assets, and credit documentation for accuracy and compliance with relevant regulations.
• Answer customer questions and resolve challenges during the loan application and funding processes.
• Request additional documentation when needed to support a loan decision.
• Effectively communicate loan decisions and next steps to customers.

Experience Requirements:

• 2+ years of experience with consumer lending, credit lending, or sales.
• 2+ years of consumer direct or wholesale lending experience.
• Previous sales experience in a high-volume call center is a plus.
• Ability to problem-solve and propose alternate loan terms.
• Ability to concisely communicate directly with loan applicants and team members.
• Ability to function in a fast-paced and competitive environment.
• Ability to solve problems while maintaining a positive attitude.
• Ability to retain information and exercise sound judgment consistently.
• Proficiency with Microsoft Office, Google Suite, and CRM systems.
• Passionate about helping customers achieve their financial goals.
• Strong organization, time management, and multitasking skills.
• Detail-oriented with the ability to apply policies, procedures, and underwriting guidelines.
• Ability to meet sales goals.

Education

• Bachelor’s degree preferred, but not required.

Company Benefits:

• Ongoing training and development
• Opportunity for career advancement
• Medical
• Dental
• Vision
• Company Paid Group Life / AD&D Insurance
• 7 Paid Holidays and 2 Floating Holiday Days to use at will
• Paid Time Off
• Flexible Spending/HSA
• Employee Assistance Program (EAP)
• 401(k) match
• Referral Program

Credit9  is proud to be an Equal Opportunity Employer. Credit9  does not discriminate based on race, color, gender, disability, veteran, military status, religion, age, creed, national origin, sexual identity or expression, sexual orientation, marital status, genetic information, or any other basis prohibited by local, state, or federal law.

* Note to Agencies: Credit9, LLC  (the “Company”) has an internal recruiting department. Credit9 LLC  may supplement that internal capability from time to time with assistance from temporary staffing agencies, placement services, and professional recruiters (“Agency”). Agencies are hereby specifically directed NOT to contact Credit9 employees directly in an attempt to present candidates. The Company’s policy is for the internal recruiting team or other authorized personnel to present ALL candidates to hiring managers. Any unsolicited resumes sent to Credit9 LLC from a third party, such as an Agency, including unsolicited resumes sent to a Company mailing address, fax machine, or email address, directly to Company employees, or to the resume database, will be considered Company property. Credit9 LLC. will NOT pay a fee for any placement resulting from the receipt of an unsolicited resume. Credit9 LLC will consider any candidate for whom an Agency has submitted an unsolicited resume to have been referred by the Agency free of any charges or fees.

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