Position title
Home Equity & Consumer Loan Originator
Description

Ascent Credit Union is looking for a full-time home equity & consumer loan originator to accept home equity loan applications from members and screen application packages to determine acceptability of the credit request using lending guidelines.

The position reports to the mortgage team and the emphasis of this position is originating home equity loans. It also supports the entire credit union lending team by providing knowledge assistance to our call center and originating vehicle, RV, personal, and credit card applications when needed. This position does a little bit of everything related to home equity and consumer lending.

Responsibilities

How You'll Contribute

  • Consult with members to identify products/services that are likely to be beneficial to members and provide information about their value and benefit.
  • Gather financial data from the member. Pull, review, and analyze credit. Communicate with members who apply online, via the phone, in-person, and referrals. Maintain constant communication with members via email, phone, text, and in-person during the application process from application to closing.
  • Maintains contact and good working relationships with credit union staff to provide lending knowledge and follow up on referrals. Assist other credit union employees with account questions regarding loans.
  • Evaluate loans to ensure they meet guidelines. Serve as point of contact for member throughout the entire home equity loan process including processing, underwriting, and loan closing.
Qualifications

What You'll Bring:

  • Enthusiasm for helping members’ financial futures.
  • Strong background in home equity lending to guide members in evaluating the best options for their situation. 2 years of home equity experience needed.
  • Sharp communication skills in listening for, recognizing, and acting on opportunities to assist members in their financial well-being.
  • Strong teamwork abilities such as involving supervisors in your work, sharing what you are working on, what progress has been made, and what hurdles you are facing.
  • Effective effort and resource management.
  • Willingness to be flexible and assist members where needed. Occasional travel to other branches in northern Utah required.
  • Demonstrated competency in desktop and mobile devices for communication and work duties.
  • At least 2 years of banking experience & home equity lending.

The following greatly increase your potential for hire:

  • 2+ years of lending experience (auto, RV, personal, & credit card)
  • Experience referring GAP, credit life, & credit disability products
Job Benefits

What We Offer:

Ascent Credit Union provides competitive compensation, benefits, and a relaxed, team-oriented work environment, including:

  • Competitive base salary reviewed annually
  • Competitive incentives
  • Medical, dental, and vision insurance
  • Telemedicine for access to licensed doctors across the US; $0 per call
  • Health Savings Account matching up to $2,400 per year
  • Flexible Savings Account available for traditional health plans or when insured elsewhere
  • Dollar for dollar match up to 5% annual salary for 401(k) retirement plan
  • Group life insurance paid by the credit union with option to add coverage through a voluntary life policy
  • Short term and long-term disability insurance paid by the credit union
  • Employee Assistance Program providing personal and professional support to employees to help them manage issues and problems related to work or home
  • Up to 32 days of paid time off for holidays, vacation and sick leave
Industry
Banking
Job Location
4140 Harrison Blvd, Roy, UT, 84403
Working Hours
9:00am to 6:00 pm, Monday through Friday
Date posted
November 14, 2022
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Position: Home Equity & Consumer Loan Originator

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