Loan Center Representative

About this role

• Publix Employees Federal Credit Union (PEFCU) was established over 60 years ago to provide financial services with lifetime value to Publix Super Markets, Inc.
• employees and their families.
• ***PEFCU Benefits/Perks:*** * Medical, Dental and Vision insurance plans with one option at **NO** cost for employee only coverage!
• * Generous Paid Time Off program ***(approximately 3 weeks a year)*** * **11 paid holidays** per year * 401(k) retirement plan and profit sharing * Pay for performance incentive programs * Time off for giving back to your community!
• * Tuition reimbursement * And much, much more!!!
• We are committed to improvement, driven by feedback, and focused on organizational growth.
• We expect and demonstrate our values *(Integrity, Collaboration, Service, Inclusion and Ownership)* every day, creating an environment where all associates can add value and feel valued.
• Find your value here as a ...
• **Loan Center Consultant** The Lending Consultant is responsible for assisting members with their borrowing needs by handling incoming loan inquiries, guiding members through the loan application process, communicating application decisions, and providing financial education.
• This role delivers exceptional member experience through professional and knowledgeable service while helping members understand available lending solutions.
• Additional responsibilities include gathering and reviewing loan documentation, maintaining accurate records, identifying opportunities to address member financial needs through relevant products and services, making appropriate referrals and cross-selling recommendations, and ensuring departmental service, quality, and performance objectives are met.
• This is a hybrid opportunity in Lakeland, Florida.
• ***What you will do...*** * Drive call center sales for all consumer lending product lines to maximize profits, while ensuring member satisfaction through the call center sales channel.
• * Discover problems, needs, and opportunities by listening for clues in conversations, asking questions, and researching the member's account.
• * Educate members how to take full advantage of credit union membership by cross-selling ancillary products and services such as GAP, Extend Warranty and Debt Protection.
• * Promote current marketing campaigns in order to sell to members accurately and effectively from a call center environment.
• * Provide outstanding member service in conjunction with a sales or retention interaction.
• * Consistently provide exceptional, accurate, and efficient communication to external/internal members over the phone or preferred delivery channel * Effectively anticipate and resolve member's escalations and complaints.
• * Gather, evaluate, analyze and verify loan documentation and consumer information to ensure accurate loan processing meets proper compliance guidelines.
• * Work closely with loan officers and loan processors to obtain credit information and coordinate closings to meet the sales goals * Work closely with Leadership to solve complex loan application issues, while maintaining credit union guidelines.
• * Provides timely member follow-up on loan stipulation submissions.
• * Responsible for up-to-date working knowledge of government rules and regulations and compliance involving consumer lending.
• * Manage individual pipeline to maximize converting applications to funded loans.
• * Assists with various loan projects, system testing, and training updates.
• ***What you will need...*** * Experience within a financial service institution with extensive knowledge of consumer lending and federal regulations as they pertain to consumer lending and related products.
• * Excellent understanding and knowledge of consumer loan origination processes and regulations.
• * Ability to multitask in a fast-paced, high volume, stressful environment.
• * Strong attention to detail and accuracy are also a must.
• * Excellent interpersonal, consultative conversational skills, and customer service skills.
• * Experience in loan documentation validation, including verification of VOI, Taxes, and Purchase Orders * The incumbent must have strong verbal and written communication skills as they may deal with sensitive member issues.
• * Exceptional communication skills, to include oral, written, visual, and quantitative.
• * 1-2 years of related experience ***What's in it for you...*** * Competitive pay * Pay for performance incentive program * Medical, Dental and Vision insurance plans with one option at **NO** cost for employee only coverage!
• * Stellar benefits/perks * Work/life balance ***Apply now!*** Equal Opportunity Employer This employer is required to notify all applicants of their rights pursuant to federal employment laws.
• For further information, please review the Know Your Rights (https://www.eeoc.gov/poster) notice from the Department of Labor.

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