Direct Lending Officer I

Role Responsibilities

Responsible for satisfying member’s financial needs by building connections to enhance and deepen relationship with Texas Trust. Uncover financial needs and offer solutions to actively promote and offer all loan and ancillary products. Create a consistent positive member experience by always exhibiting the Texas Trust Service Framework. 

• Have a deep and comprehensive understanding of each Texas Trust Loan products and how our solutions will enhance our member’s lives and meet their needs;
• Originate and complete loan applications ensuring necessary documentation needed for loan completion is acquired, along with communication to applicant and internal team-members;
• Proactively listen to offer new products and effectively overcome objections in a productive and positive manner by consistently offering members solutions by explaining benefits of all products;
• Maintain working relationships with existing members to ensure exceptional service while uncovering potential new opportunities;
• Manages online and working loan queues daily and follows up to ensure efficient closing of all pending loans;
• Professionally handle all incoming requests for loans by phone, email or chat; and ensure that requests are processed promptly and thoroughly. 
• Assist potential borrowers by explaining the loan process, and answering questions regarding loan products and new accounts;
• Generate new leads for loan production by actively building a True Blue relationship and trust with new members to uncover needs;
• Consistently meets or exceeds loan goals by using training, tools, and resources provided and following the LDP steps in offering fully protected loans;
• Protect members and credit union by following all regulations, compliance, and due diligence;
• Practices and brings to life with the team our “Yes And”… culture
• Comply with established regulations and law requirements
• Perform various other duties as assigned.

Requirements

Required Experience

• Two (2) years or more of experience in consumer loan industry;
• One (1) year or more experience in a high paced sales environment with a track record of meeting and/or exceeding goals;
• One (1) year or more of customer service / call center experience;
• One (1) or more years financial institution experience or equivalent education.

Skills, Education and/or Certifications Required

• High School Diploma/GED;
• Goal oriented with sales skills and ambition;
• Excellent sales and member service skills with proven negotiation skills;
• Ability to multitask and effectively manage time;
• Ability to operate computer systems with proficiency and comfort with technology;
• Outgoing personality and a strong desire to succeed;
• Requires an organized, detail-oriented self-starter who is able to work independently;
• Strong processing, analytical and problem solving skills;
• Ability to establish credibility and rapport, be friendly and personable and look for ways to benefit the member;
• Understand how to present features and benefits of products and services to member with differing needs;
• Strong listening skills and communication skills;
• Possess a strong work ethic and team player mentality;
• Ability to manage difficult situations with little supervision;
• Highly developed sense of integrity and commitment to member satisfaction;
• Required to handle all member information in a confidential manner;
• Professional written and verbal communications skills;
• Ability to work rotating shifts, including Saturdays as needed.

Texas Trust Credit Union is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.