Consumer Lending Specialist

Department: Lending 

Reports To: Lending Manager 

FLSA Status: Non-Exempt/Full Time

Location: Cross Valley FCU

Position Summary

The Consumer Lending Specialist is responsible for evaluating, processing, and closing consumer loan applications while delivering exceptional member service. This role supports the credit union’s lending goals by ensuring accurate documentation, regulatory compliance, and personalized financial solutions for members. This position will require employee to work in Hazleton once the branch is opened.  This position also requires the understanding and communication of both the English and Spanish languages. 

Key Responsibilities

• Evaluate and process consumer loan applications including auto, personal, and credit card loans.
• Analyze member financial information to determine creditworthiness and recommend appropriate loan products.
• Conduct credit checks and verify income and employment documentation.
• Assist members with loan applications via phone, online, and in-person channels.
• Ensure compliance with lending policies, procedures, and applicable regulations.
• Prepare and present loan proposals for approval within assigned authority limits.
• Perform loan closings and explain terms, disclosures, and repayment schedules.
• Promote additional products such as credit protection, GAP insurance, and warranties.
• Maintain accurate loan records and follow up on pending applications.
• Provide courteous and professional service to members and staff.
• Stay current on lending trends, products, and regulatory changes.

Qualifications

• Must be able to communicate and understand both English and Spanish.  
• High school diploma or GED required; associate or bachelor’s degree preferred.
• Minimum of 2 years of experience in consumer lending or financial services.
• Strong knowledge of lending products, credit analysis, and loan documentation.
• Excellent communication, customer service, and problem-solving skills.
• Proficiency with loan origination systems and financial software.
• Ability to work independently and as part of a team.

Working Conditions

Will need to travel to Wilkes-Barre for training. 

Will need to work in Hazleton, once the Hazleton branch is open.
May require occasional evening or weekend hours during peak periods.