Consumer Loan Lender II
The primary purpose of this position is to assist Community Credit Union of Florida in living out our Mission, “Always improve the financial well-being of our members and make a positive difference in the communities we serve,” by delivering outstanding service to both internal and external members.
The Consumer Loan Lender II performs all responsibilities of a Consumer Loan Lender I but with increased expertise, production expectations, and autonomy. This role handles more complex origination scenarios, serves as a subject-matter expert for direct and indirect applications, and provides peer coaching and support within the call center and digital lending environment.
Community Credit Union of Florida is an Equal Opportunity Employer and supports a drug-free workplace.
ESSENTIAL DUTIES
Advanced Origination & Sales
- Manage a high-volume pipeline of direct and indirect applications with minimal oversight.
- Engage and convert applications through inbound calls, outbound contacts, online submissions, and dealer indirect channels.
- Work closely with auto dealers to ensure smooth origination flow and strong dealer relationships.
- Support cross-sell and relationship-building efforts at a more advanced level.
- Assist with escalated member inquiries related to loan origination.
Member & Dealer Relationship Engagement
- Serve as a key point of contact for complex member questions regarding loan structure, products, or application status.
- Build and maintain positive relationships with indirect dealer partners.
- Provide guidance to members applying online or navigating digital/remote channels.
Pipeline Management & Leadership Support
- Manage higher-risk or more complex origination situations (without performing underwriting).
- Assist with mentoring Loan Lender I team members, including coaching on call handling, sales techniques, and system use.
- Support team leads or managers with workflow coordination during high-volume periods.
Process & Experience Improvement
- Identify inefficiencies in the origination workflow (direct + indirect) and recommend improvements.
- Assist with testing and feedback for LOS enhancements, online application updates, or call center tools.
Compliance & Operational Excellence
- Demonstrate strong understanding of lending policies, indirect procedures, and origination regulations.
- Enter data accurately and ensure all required information is gathered prior to handoff.
- Model best practices in documentation, communication, and member follow-up.
Core Competencies: Service, Compliance, and Teamwork
- Demonstrates enthusiastic support of corporate mission, core values, and long-term objectives by performing job duties within our bylaws, regulations, Board of Directors policies, established internal and external service standards, and our work procedures while possessing adequate product knowledge as measured by the annual product knowledge assessment.
- Delivers service to both internal and external members that is in alignment with the credit union’s Service Promises and meets all established service goals.
- Abides by CCU’s Service Promises when helping a member or co-worker to ensure timely responsiveness to the individual’s needs. Promotes teamwork, respects the opinions, abilities, and contributions of others, and conveys a willingness to assist and cooperate with others for the benefit of the organization.
- Assists in attaining established departmental goals and adhering to all credit union standard operating policies and procedures, as well as state and federal regulations and guidelines.
- Follows policy and procedures related to the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Customer Identification Program (CIP), and Customer Due Diligence (CDD) daily to ensure compliance with current regulations.
- Performs other related duties as assigned and works on special projects as assigned.
ENVIRONMENT AND PHYSICAL ACTIVITY
This position operates within an open, non-confined office environment that is clean, comfortable, and allows the incumbent the flexibility to move about freely. While generally conducive to productivity, the environment may include minor distractions such as moderate noise levels, occasional odors, and drafts.
This role is structured as a hybrid position; however, eligibility for the hybrid work arrangement is available after the successful completion of an introductory period. Following this period, the position will combine both in-office and remote work. Employees are expected to report to the office as required based on departmental needs or at the request of management.
When working remotely, employees must maintain a workspace that is clean, organized, and free from distractions to ensure productivity and professionalism are upheld.
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is frequently required to spend time writing, typing, speaking, listening, lifting (up to 25 pounds), carrying, seeing (such as close, color and peripheral vision, depth perception, and adjusted focus), sitting for long periods of time (up to 8 hours), pulling, walking, standing, squatting, kneeling, and reaching.
The incumbent for this position may operate any or all of the following: telephone, copy and fax machines, calculator, computer terminal, personal computer, and related printers.
MENTAL DEMANDS
The incumbent in this position must be able to read documents or instruments, perform detailed work, and problem solve; possess excellent member contact and verbal and written communication skills; have strong math and analytical reasoning skills; and have the ability to effectively handle stress, multiple concurrent tasks, and constant interruptions.
POSITION REQUIREMENTS
These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the education and experience required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.
- 2–4 years of consumer lending or call center origination experience, including indirect lending exposure.
- Proven track record of meeting or exceeding sales and production goals.
- Strong knowledge of consumer lending products, digital origination workflows, and indirect dealership processes.
- Ability to mentor team members and handle complex member situations.
- Proficiency with LOS, CRM systems, and call center technology.
The incumbent must be able to perform in this position safely, without endangering the health or safety of the individual or others.
