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Loan Specialist

Company: Credit Union Texas
Location: Allen
Posted on: May 25, 2023

Job Description:

Position Purpose and Objectives:

The primary purpose of this employee is to assist Credit Union of Texas in living out its vision to deliver an unexpected experience. To achieve this goal the employee must provide outstanding service to both internal and external members.

As the introductory level sales position in the CUTX loan sales operation, the Loan specialist is responsible for working all referral opportunities for members and potential members, proactively seeking opportunities to teach how our personal consumer loan product solutions (personal loans, credit cards and lines of credit) may best resolve financial needs, and providing recommendations with confidence and clarity. The Loan Specialist answers questions related to new and existing personal loan applications and develops deep and loyal member relationships by providing counseling and guidance as they guide the loan process to closing. They assist teammates in securing and closing business through inbound and outbound calls, email and other channels.

The Loan Specialist is held accountable for helping CUTX meet and exceed goals by reaching individual personal loan application volume and cross-sell referral goals. They are also responsible for assisting team members and other departments in meeting or exceeding goals by providing all members that they encounter with an unexpected experience and referring business to other departments when appropriate.

Major Duties and Essential Functions

  • Assist existing and potential members by identifying and assessing financial needs and delivering solutions
  • Teach existing and potential members about CUTX personal loan, credit card and line of credit solutions and make intelligent needs-based recommendations with enthusiasm and in the best interest of the member
  • Proactively discuss and refer additional products to internal partners
  • Make outbound calls to members referred from other departments to educate them on CUTX personal lending solutions and possible alternative solutions
  • Be an advocate for our members by telling their financial story completely and honestly to loan qualifiers
  • Ensure timely execution of loan process
  • Assist AFS team with Approved not funded deals to help the department reach goals Positions directly supervised: N/A

    Specific knowledge, skills, and abilities required for this position:
    • Must have a service-oriented attitude
    • Must be Goal-oriented
    • Must have strong listening skills and excellent verbal communication skills
    • Problem solving competence with a strong attention to detail
    • Must have the ability to multitask, prioritize, and adapt to a constantly changing environment
    • Proficient computer ability including Windows PC Navigation skills
    • Strong desire to learn in a fast-paced environment
    • Must be a TEAM player and be able to help and rely on others

      Education and Experience: High School diploma or equivalency and six months Credit Union experience or similar financial institution. Bilingual candidates (Spanish/English) are beneficial. Experience in a consumer lending role, or other sales-related experience is a benefit. Must have a proven track-record of setting and meeting/exceeding personal and departmental goals.

      Physical Activities and Requirements of this Position



      Finger Dexterity

      Using primarily just the fingers to make small movements such as typing, picking up small objects, or pinching fingers together.


      Using fingers and palm on an object.


      Especially where one must frequently convey detailed or important instructions or ideas accurately, loudly, or quickly.

      Repetitive Motions

      Movements frequently and regularly required using the wrists, hands, and/or fingers.

      Average Hearing

      Able to hear average or normal conversations and receive ordinary information.

      Average Visual Abilities

      Average, ordinary, visual acuity necessary to prepare or inspect documents or products, or operate machinery.

      Sedentary Work

      Sitting part of the time. Exerts up to 10 lbs. of force occasionally.

      Working Conditions of this Position


      Few. No hazardous or significantly unpleasant conditions except during construction wearing a hard hat is required.

      Mental Activities and Requirements of this Position

      Reasoning Ability: The ability to use common sense or logic.




      Ability to apply common sense understanding to carry out detailed instructions and to deal with problems involving many variables.

      Mathematical Ability:


      Ability to perform basic math skills including adding, subtracting, multiplying, and dividing two digit numbers; operations with units such as inch, foot, yard; ounce, pound (or their metric counterparts), and square footage; ability to understand appraisals, compute rent rates and lease expiration times.

      Language Ability: The level of ability required to communicate and understand written and oral language.


      Ability to use passive vocabulary of 5,000-6,000 words; read at a moderate rate; and define unfamiliar words in dictionaries for meaning, spelling, and pronunciation. Ability to write complex sentences, using proper punctuation, and using adjectives and adverbs. Ability to communicate in complex sentences, using normal word order with present and past tenses and good vocabulary. Ability to read, analyze and interpret general business periodicals, professional journals, correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, guests, vendors and the general public.

Keywords: Credit Union Texas, Allen , Loan Specialist, Other , Allen, Texas

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