Consumer Loan Specialist

Salary: $21.40 – 23.88/hour

Location: Tacoma, WA
Hours: Full Time, 40 hours per week

Serving the South Sound Since 1934
Our commitment to the South Sound is generations in the making. As a not-for-profit credit union, we are here to help you succeed. With branches throughout Tacoma & Pierce County, we are in your community every day. It will not take long for you to experience what our founders meant by “People Helping People.” We know that our employees are an important part of our mission. We believe in creating a collaborative space that allows employees to grow and develop while maintaining their individuality. We understand the profound effect that one organization can have in serving a community. We value diversity, equity, inclusion, belonging, and accessibility – we value you! Come see the TAPCO difference.

As the Consumer Loan Specialist, you’ll provide critical support to the lending team to provide our members exceptional service when obtaining Consumer Loans. You will assist with the processing and closing of our member’s direct and indirect Consumer Loans. You will understand the importance of timely processing of direct and indirect Consumer Loans originated within the lending department, you will focus your efforts on building relationships with existing TAPCO members, provide cross sale opportunities and ensure excellent member service.

What you will do:

• Collaborate with internal departments and members to develop and drive cross sales to capture market opportunities through promoting, explaining and cross selling credit union products and services, including but not limited to GAP, Mechanical Breakdown Coverage, payment protection and other loan and deposit products to enhance member relationships with TAPCO and deliver superior member service.
• Maintain a comprehensive knowledge of and adhere to all credit union policies, procedures, products and services to enhance member relationships with TAPCO.
• Serve as the processor and primary contact for all parties involved on each Consumer Loan from decision to closing. Uncover and address member needs utilizing a comprehensive understanding and knowledge of credit union products and services and clearly communicating appropriate recommendations based on member needs.
• Works with staff to resolve exceptions. Contacts members, dealerships, and branch personnel to gather information to aid in timely processing and loan completion.
• Prepare and review executed loan documents and disburse/fund loan proceeds according to loan approval, as well as prepare and mail any necessary welcome packets. Performs outbound business development to deepen and retain member relationships through outbound calling to current and potential members.
• Serves as Credit Union advocate, representing TAPCO in a courteous and professional manner by conducting oneself appropriately at all times in manner, dress and actions. Maintains and projects the Credit Union’s professional reputation.
• Demonstrates an understanding of and adheres to the requirements of all federal, state, and local laws, including those of the Bank Secrecy Act (BSA) and the Office of Foreign Assets Control (OFAC), as it specifically relates to the job functions.
• Contributes to the success of the department with a willingness to assume other responsibilities and provides back up assistance as required or assigned.

TAPCO offers a comprehensive benefit package:

100% Employer-paid medical, vision, prescription, and dental insurance option for all full-time employees. 50% Employer-paid spouse coverage. 65% Employer-paid dependent children coverage

• Flexible Spending Account (FSA)
• Dependent Care FSA
• Health Savings Account (HSA)
• 401(k) Plan with up to 7% match
• 100% Employer-Paid Life Insurance/AD&D package ($100,000)
• Paid Vacation and Sick Time
• 11 Paid Holidays + 1 Floating Holiday
• Optional Short- and Long-Term Disability
• Employee Assistance Program
• 40 paid volunteer hours

Diversity, Equity, Inclusion, Belonging, and Accessibility (DEIBA) Purpose Statement

TAPCO embraces diversity, equity, inclusion, belonging, and accessibility (DEIBA) and is committed to creating a workplace where all stakeholders involved, regardless of gender, race, ethnicity, national origin, age, sexual orientation or identity, education, or limited mobility and abilities, feel valued and respected.

• We are committed to include diversity, equity, inclusion, belonging, and accessibility at the center of our work.
• We are committed to nondiscriminatory practices and provide equitable opportunity for all.
• We respect and value diverse life experiences and heritages and ensure that all voices are valued and heard.
• We welcome every person to bring their authentic perspective and experience to advance our mission.
• We focus on real people's experiences to uncover and address systemic inequities.
• We address our gaps and inequities through products, practices and policies that uplift our employees, members, and community.
• We put allyship into action every day.
• We value the seen and unseen qualities that make you who you are.

Your skills and experience:

• High School diploma, or equivalent.
• One to two years previous financial institution new account, member service and Consumer Loan experience.
• Knowledge of state/federal contract law and lending regulations.
• Ability to use related computer software, Microsoft Office products, and business equipment.
• Ability to communicate effectively over the phone with members and all parties involved to ensure deadlines are met.