CREDIT SPECIALIST jobs in the United States

B
Credit Specialist
  • Brewery Credit Union
  • Milwaukee, WI FULL_TIME
  • BREWERY CREDIT UNION

    Credit Specialist

    Position: Credit Specialist

    Department: Consumer Lending Department

    Classification: Non-exempt

    Reports to: VP of Lending

    Supervises: N/A

    Position Summary:

    The Credit Specialist role is a pertinent position within the credit union to ensure we are helping to educate, guide and resolve credit issues that our members are facing. This role is responsible for analyzing personal finances and credit to help identify areas of improvement and to help set the member up for long-term success. This role is dually responsible for utilizing innovative technologies to provide information on credit union products and services, adhering to all credit union policies and procedures and Federal and State rules and regulations. In addition, the selected individual will be responsible for reviewing denied loan applications to better assist and educate our members with credit-specific challenges, electronically and verbally interviewing and evaluating applicants for more in-depth loan productions and applications, processing consumer loan applications, gathering background information and assess loan applicants’ credit history. Approve or deny loan applications based on analysis. Operate with moderate credit authority. The primary focus of loan volume is expected to be generated from denied loan applications, borrowers with more credit intricacies, and members that need assistance with navigating credit improvement strategies.

    Duties and Responsibilities:

    1. Evaluating members’ financial status and identifying areas for improvement.

    2. Educating our members in various aspects of financial literacy and financial improvement.

    3. Helping to develop effective financial strategies and plans for members based on their needs and long / short term goals.

    4. Providing members with information about various financial products and services.

    5. Assisting members in managing their debts and helping them to budget effectively.

    6. Monitoring financial market trends to ensure that plans are effective and to identify any necessary updates.

    7. Helping members make informed decisions about their overall credit profile and other financial matters related to bettering their financial positioning.

    • Explaining complex financial concepts in an easy-to-understand language.
    • Helping members implement their plans and carry out transactions for maximum success.
    • Conducting regular reviews to update client’s financial plans based on life changes and financial status.
    • Maintaining client confidentiality.
    • Keeping up to date with credit and financial literacy education, market trends and financial regulations/laws.

    13. Discuss credit challenges, credit improvement(s), credit counseling options and any other beneficial credit communication needed to ensure member success.

    14. Assist members with the loan application process to ensure completeness of information.

    15. Pull credit reports for all accounts, verify debts, and estimate monthly payments for any outstanding debts not listed and add them to debts on application.

    16. Calculate debt-to-income ratios for loan applicants.

    17. Conduct a complete and holistic analysis of the bureau.

    18. Identify collateral needs and payment plans for members applying for loans.

    19. Identify eligibility of loan co-maker from co-maker’s statement and credit rating.

    20. When a loan is denied, explain reasons for denial in a professional, courteous manner. Work with members to provide recommendations or alternative options for other possible ways to secure a loan in the future.

    21. Verify the accuracy of loan amounts and repayment terms on approved loan applications.

    22. Complete loan documents and disburse loans when approved.

    23. Implement new loan products and services in accordance with management direction.

    24. Cross-sell lending and other credit union products, as needed and as available.

    25. Resolves member issues/problems, provides professional responses to member inquiries and consistently demonstrates first-hand resolution.

    26. Educates members as to the use of available automated systems in order and sets them up for these services, including online banking, e-statements and other electronic communication tools that are or may be offered in the future.

    27. There will be ongoing training that is required for this role.

    28. Performs other duties as assigned.

    Requirements:

    1.High School Diploma or equivalent with a minimum of one year of customer service or sales experience preferably within a financial institution. A combination of education and experience will also be considered.
    2. A minimum of 3 years of underwriting.
    3. Demonstrated ability to understand and explain credit bureau reports, liaise with members in satisfying loan stipulations, schedule closings and process loan documents.
    4. Demonstrated ability in understanding and recommending appropriate deposit and loan products based on member need.
    5. Demonstrated ability in providing excellent customer service.
    6. Excellent verbal and written communication skills, problem solving skills, organizational skills and the ability to work independently.
    7. A Certified Credit Counselor or the ability to obtain the Certified Credit Counselor certification.

    8. Ability to use independent judgment and discretion in various situations while maintaining a high degree of confidentiality.
    9. Must have or be able to attain National Mortgage Licensing System registration (NMLS#).
    10. Must have a thorough understanding of company policies and procedures as they relate to this position.

    11. Must understand and comply with all job-related state and federal laws and regulations.

    Job Type: Full-time

    Pay: $53,190.00 per year

    Benefits:

    • 401(k)
    • 401(k) matching
    • Dental insurance
    • Flexible schedule
    • Health insurance
    • Life insurance
    • Paid time off
    • Vision insurance

    Education:

    • High school or equivalent (Required)

    Experience:

    • consumer loan underwriting: 3 years (Required)
    • customer service or sales: 1 year (Required)

    License/Certification:

    • NMLS# (Preferred)

    Ability to Commute:

    • Milwaukee, WI 53212 (Required)

    Ability to Relocate:

    • Milwaukee, WI 53212: Relocate before starting work (Required)

    Work Location: In person

  • 19 Days Ago

P
Credit Specialist
  • Palmetto Citizens Federal Credit Union
  • Columbia, SC OTHER
  • Salary Min Salary Max Overview The Credit Specialist, reporting to the Collections Manager, is responsible for managing the collection of payments from delinquent accounts, providing credit counseling...
  • 11 Days Ago

C
Credit Solutions Specialist - SHL
  • Credit Human
  • San Antonio, TX FULL_TIME
  • We are seeking a Credit Solutions Specialist for the Sustainable Home Credit Solution Department. The role of the Credit Solution Specialist is to provide additional support to the Portfolio Manager, ...
  • 6 Days Ago

F
Credit Support Specialist
  • Farm Credit Network
  • Sterling, CO FULL_TIME
  • Position Overview: As a Credit Support Specialist, your primary responsibilities will include providing operational and credit support for the entire lending function. Duties include delivering friend...
  • 1 Month Ago

P
Credit Support Specialist
  • Premier Farm Credit
  • Sterling, CO FULL_TIME
  • Premier Farm Credit is a mission focused lender, supporting rural communities and agriculture with reliable and consistent credit and related services, today and tomorrow. We are seeking a Credit Supp...
  • 17 Days Ago

P
Credit Solutions Specialist
  • Public Service Credit Union
  • Romulus, MI FULL_TIME
  • Description: PSCU is looking for a motivated and detail-oriented Credit Solutions Specialist to join our team. This role plays a crucial part in managing delinquency and ensuring the security of the c...
  • 17 Days Ago

T
Billing and Accounting Specialist
  • The Children's Center for Developmental Enrichment
  • Columbus, OH
  • Job Description Job Description Billing and Accounting Specialist Oakstone Academy School The Children’s Center for Deve...
  • 10/28/2024 12:00:00 AM

F
Accounts Payable Specialist
  • Ferretti Search
  • Columbus, OH
  • Ferretti Search is seeking a meticulous and detail-oriented Accounts Payable Specialist to join our client's growing tea...
  • 10/28/2024 12:00:00 AM

I
Collections Representative
  • IQVentures Corporate, LLC
  • Dublin, OH
  • We are growing and looking to expand our Collections team. We provide paid training and opportunities for growth and adv...
  • 10/28/2024 12:00:00 AM

K
Accounting Specialist
  • KBK Enterprises, LLC
  • Columbus, OH
  • Job Description Job Description Make a difference and change lives through your work. Accounting Specialist Job Details:...
  • 10/27/2024 12:00:00 AM

G
Accounting Coordinator
  • Golden Reserve
  • Dublin, OH
  • AS Advisors Group is looking to hire a full-time Accounting Coordinator to provide support at our Dublin, Ohio office. A...
  • 10/27/2024 12:00:00 AM

A
Nonprofit Accountant
  • All In One Accounting
  • Columbus, OH
  • **Hiring candidates residing in MN, IA, NC, OH, TX, TN, ID, CO, FL, MO, and WI for Dec 2024-Jan 2025** 5-time winner of ...
  • 10/26/2024 12:00:00 AM

A
BUDGET ANALYST II
  • Abacus Service Corporation
  • Columbus, OH
  • The Franklin County Common Pleas Court - General Division is seeking temporary assistance in our finance department. The...
  • 10/25/2024 12:00:00 AM

B
Sr. Certified Payroll Accountant Job Details | Black & Veatch Family of Companies
  • Black & Veatch
  • Columbus, OH
  • **Sr. Certified Payroll Accountant** Date: Oct 24, 2024 Location: Overland Park, KS, US US Company: Black & Veatch Famil...
  • 10/25/2024 12:00:00 AM

Income Estimation for CREDIT SPECIALIST jobs
$37,033 to $49,814

Career Path for CREDIT SPECIALIST