eLending Consultant

Are you passionate about helping people achieve their financial goals while providing exceptional service?

Spectra Credit Union is seeking an eLending Consultant to join our team. In this role, you'll be the trusted guide for members applying for consumer loans through our electronic channels, helping them navigate the lending process from application to funding.

As an eLending Consultant, you'll build relationships with members, evaluate loan applications, recommend financial solutions, and ensure a smooth and positive experience every step of the way. You'll work both independently and collaboratively to achieve lending goals while maintaining the highest standards of service, accuracy, and compliance.

What You'll Do

• Process and review consumer loan applications received through online and electronic channels.

• Analyze credit reports, financial information, and supporting documentation to make informed lending decisions within your authority level.

• Recommend loans requiring additional approval and ensure complete, accurate loan packages.

• Educate members on lending options, payment protection products, and other financial solutions that meet their needs.

• Proactively generate loan opportunities through outbound calls and follow-up activities.

• Provide outstanding service to prospective, new, and existing members through phone and electronic communications.

• Guide applicants through each stage of the lending process, maintaining clear and timely communication.

• Assist members with opening accounts and accessing Credit Union products and services.

• Process online memberships and support business account applications associated with lending activities.

• Identify and mitigate fraud risks while ensuring compliance with applicable policies, procedures, and regulations.

• Participate in departmental projects and initiatives as needed.

What You'll Bring

• Two to five years of lending, financial services, banking, credit union, or related experience.
• High school diploma or GED required.
• Spanish/English bilingual speaking is preferred.
• Strong understanding of consumer lending principles and loan underwriting practices.
• Excellent communication and relationship-building skills, with the ability to explain information clearly and effectively.
• Proven ability to analyze information, make sound decisions, and manage multiple priorities in a fast-paced environment.
• Strong organizational skills and attention to detail.
• Proficiency with Microsoft Office and other business applications.
• Ability to work independently while collaborating effectively with team members.
• Commitment to delivering exceptional member service and maintaining confidentiality.

Why Join Spectra?We're proud of the culture we've built: one that's supportive, collaborative, and focused on helping both our members and employees succeed. At Spectra, you'll be part of a team that works hard, celebrates wins together, and genuinely cares about the people we serve.

If you're looking for a role where you can make an impact, build meaningful relationships, and help people navigate important financial decisions, we'd love to meet you.