Consumer Loan Originator
Full Time • Hwy 49, Hattiesburg
Responsive recruiter
Replies within 24 hours
Benefits:
- 401(k) matching
- Competitive salary
- Dental insurance
- Health insurance
- Paid time off
- Profit sharing
- Tuition assistance
- Vision insurance
- Opportunity for advancement
Consumer Loan Originator
Position Summary
The Consumer Loan Originator is a results-driven sales professional responsible for originating consumer loans, deepening member relationships, and driving loan growth for the credit union. This role focuses on identifying member needs, recommending appropriate lending solutions, and delivering a high-quality, consultative sales experience.
The ideal candidate is proactive, goal-oriented, and committed to providing exceptional service while meeting or exceeding individual production targets.
This position requires participation in a Saturday rotation and occasional travel for training or business needs.
Supervisory Responsibilities:
None
None
Key Responsibilities
Reasonable accommodations may be made to enable individuals with disabilities to perform these essential functions.
- Proactively identify and pursue lending opportunities through inbound and outbound member interactions
- Interview members to understand financial needs and recommend tailored loan solutions
- Originate, process, and close consumer loan applications efficiently through multiple channels (phone, online, in person)
- Analyze credit reports, income, and debt to structure loans that align with member needs and credit union guidelines
- Deliver clear, confident loan decisions and position alternative solutions when needed to retain and grow relationships
- Consistently cross-sell and refer additional credit union products and services (e.g., credit cards, deposit accounts, protection products)
- Build and maintain strong member relationships to encourage repeat business and referrals
- Meet or exceed established loan production, conversion, and cross-sell goals
- Ensure all loan documentation is accurate, complete, and compliant prior to funding
- Stay current on loan products, promotions, and lending guidelines to effectively position offerings
- Support the rollout and promotion of new products and services
- Perform other duties as assigned
Sales & Performance Expectations
- Achieve individual loan production and funding goals
- Maintain strong application-to-close conversion ratios
- Actively identify opportunities to deepen member relationships
- Deliver a high level of member satisfaction and service quality
- Contribute to team and organizational lending growth objectives
Core Competencies
- Strong sales and consultative selling skills
- Ability to build rapport and influence member decisions
- Results-oriented with a competitive drive to meet goals
- Excellent communication and active listening skills
- Sound judgment and decision-making within established guidelines
- Solid understanding of consumer lending, credit analysis, and risk evaluation
- Adaptability in a fast-paced, performance-driven environment
Education and Experience
- High school diploma or equivalent required
- Minimum of two (2) years of experience in lending, sales, or a financial institution preferred
Skills and Qualifications
- Proven ability to meet or exceed sales or production goals
- Strong attention to detail and organizational skills
- Excellent interpersonal and relationship-building abilities
- Proficiency in Microsoft Office (Word, Excel, Outlook, PowerPoint)
Certifications and Requirements
- Successful completion of required BSA training
- Must be bondable/insurable
Work Environment
This role operates primarily in an indoor office environment with moderate noise levels. Occasional travel, evening, and weekend hours may be required to support business needs and member demand.
Schedule and Compensation
This is a full-time, non-exempt position offering a competitive base salary plus commission, designed to reward individual performance and production.
Department Hours of Operation:
- Monday – Friday: 7:30 a.m. – 6:00 p.m.
- Saturday: 9:00 a.m. – 1:00 p.m. (typically one Saturday per month)
Work Schedules:
Shifts are assigned within department hours and may vary based on business needs:
Shifts are assigned within department hours and may vary based on business needs:
- 7:30 a.m. – 4:30 p.m.
- 8:00 a.m. – 5:00 p.m.
- 9:00 a.m. – 6:00 p.m.
Physical Requirements
The employee must be able to:
- Sit, stand, and walk for extended periods
- Use hands for typing and handling documents
- Communicate effectively (talk and hear)
- Occasionally kneel, crouch, or lift up to 25–30 pounds
Employment Requirements
All applicants must meet the following conditions:
- U.S. Citizenship
- Successful completion of a background investigation
Benefits
- 401(k) with employer match and profit sharing
- Medical, Dental, Vision, Life, Short-Term and Long-Term Disability
- Paid Holidays and Paid Time Off (PTO)
- Tuition Reimbursement (terms apply)
- Employee Assistance Program (EAP)
Disclaimer
This job description is intended to outline the general responsibilities of the role and is not an exhaustive list of all duties. Responsibilities may change at any time with or without notice.
Sunbelt Federal Credit Union is an Equal Opportunity Employer.
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