SUMMARY

The Consumer Loan Advisor will serve as a trusted financial partner by delivering personalized lending solutions across phone, digital, and internal referral channels. This position will provide consultative, needs-based guidance, structuring lending solutions aligned to each member’s financial goals and credit profile. The incumbent will utilize knowledge of lending practices while applying credit union core values to drive loan production, improve member financial well-being, and deepen relationships. This role manages an active pipeline of loan opportunities from application through funding, collaborates cross-functionally, and is accountable for conversion, production, and member experience outcomes.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Education and/or Experience: High school diploma and 2 to 4 years of experience in consumer lending, financial services sales, or credit analysis within a financial institution, or an equivalent combination of education and consumer lending experience.
• Certificates, Licenses, Registrations: None required or preferred.
• Geographical Location: This position may be eligible for a flexible work arrangement. Individuals working in this position must be located within the state of California.

ESSENTIAL FUNCTIONS

• Conduct consultative, needs-based conversations with members to identify and recommend appropriate lending solutions, including consumer loans and ancillary products, aligned with their financial goals. Guide members through the loan application process across phone, digital, and referral channels, building rapport to understand their financial position and provide credit guidance and financial education.
• Manage an active pipeline of loan applications from initial inquiry through funding, ensuring timely follow-up, strong engagement, and high conversion rates.
• Adhere to established service level agreements (SLAs) for application handling, decision communication, and funding timelines to ensure a consistent and high-quality member experience.
• Utilize available tools (credit reports, loan origination systems, CRM, and core systems) to structure solutions, evaluate creditworthiness, and present tailored loan options (rate, term, and structure).
• Proactively engage members through targeted outbound outreach, including pre-approved offers, refinance opportunities, and lifecycle-based campaigns to grow loan production and deepen relationships.
• Identify opportunities to expand member relationships by recommending relevant financial solutions, including deposit products, ancillary protection products, and new membership onboarding for non-members.
• Evaluate first and second mortgage opportunities and refer qualified members to the Mortgage Lending Department, ensuring a seamless transition and positive member experience.
• Partner closely with underwriting, processing, and branches to deliver a smooth, efficient, and consistent end-to-end lending experience.
• Clearly and professionally communicate underwriting decisions, including approvals, counteroffers, and declines, providing guidance and next steps to support member understanding and satisfaction.
• Maintain consistent and proactive communication with members, internal teams, and partners to meet or exceed defined SLA expectations and overall service standards.
• Detect and prevent potential fraud by conducting thorough review of applications, verifying member identity and documentation, identifying red flags, and escalating suspicious activity in accordance with credit union policies and regulatory requirements.
• Ensure adherence to internal fraud prevention controls, including verification procedures, documentation standards, and system safeguards to mitigate risk.
• Achieve or exceed individual and team performance goals, including loan production, conversion rates, member engagement, and relationship growth metrics.
• Collaborate with branch and E-branch teams to onboard new members and enhance overall member engagement and experience.
• Cross-train and provide operational support across lending functions, including origination, processing, and closing, as needed.
• Continuously seek opportunities to improve processes, enhance member experience, and develop job-related knowledge, skills, and performance.
• Maintain awareness of work status and escalate significant issues to management as appropriate.
• Perform other duties as assigned to support the overall success of the Consumer Lending team.
• Ensure full compliance with all applicable regulations, including Bank Secrecy Act (BSA), OFAC, and USA PATRIOT Act requirements, including member identification, customer due diligence, and reporting of suspicious activity.

KNOWLEDGE, SKILLS, AND ABILITIES

• Strong verbal, written, and phone communication skills with demonstrated ability to communicate professionally at all levels.
• Demonstrated success in a production- and goal-driven environment.
• Effective interpersonal skills and ability to work with all levels of staff and members in a professional, approachable, and positive manner.
• Forward-thinking with high standards and an appropriate professional image.
• Ability to handle simultaneously multiple tasks and changing priorities in an efficient and effective manner.
• Ability to maintain strict confidentiality.
• Ability to conduct thorough research; interpret and understand laws and regulations, and provide workable recommendations and solutions to problems.
• Broad knowledge of, and practical experience with, lending functions, products and services and the laws and regulations which affect the Credit Union.
• Detail-oriented, self-starter who can work independently.
• Maintain thorough and current knowledge of all federal, state, and local regulations as well as internal policies, procedures, products, and services.
• Computer literate and proficient in software applications, financial analysis programs, Adobe Acrobat, online research tools, and MS Office:  Word, Excel, PowerPoint, and Outlook
• Leadership ability, including the daily support of team members.
• Ability to demonstrate commitment to self-improvement by taking the initiative of learning new skills, systems, and procedures as well as taking advantage of the continuous education opportunities within and outside of the Credit Union.
• Hungry: Demonstrates a strong drive for continuous learning, growth, and expanded responsibility. Self-motivated, diligent, and proactive in identifying the next step and the next opportunity to contribute.
• Humble: Operates with low ego and high respect for others. Actively recognizes and elevates the contributions of teammates, prioritizing collective success over personal recognition. Approaches work with openness, respect, and a collaborative mindset, welcoming diverse perspectives and constructive feedback.
• Works Intelligently: Demonstrates strong situational awareness and sound judgment. Understands group dynamics, uses intuition, emotional intelligence, and thoughtful decision-making to navigate complex interactions to achieve the best outcomes.

PHYSICAL REQUIREMENTS

The physical demands described below are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the position’s essential functions.

• Full-time hours required, with additional work hours as necessary to accomplish objectives, goals, and projects.
• Occasionally lift and/or move up to 10 pounds.

EEO STATEMENT

Mirastar encourages diverse applicants to apply for all positions. Mirastar does not discriminate in employment opportunities or practices on the basis of race, color, religion, creed, sex, familial status, marital status or domestic partner status, national origin, age, disability, marital status, pregnancy, childbirth, breastfeeding or related condition, ancestry, medical condition including genetic characteristics, veteran or military status, sexual orientation, gender identify, gender expression, any persons holding an undocumented “AB 60” driver’s license, or any other characteristic protected by law. This provision also includes the perception that anyone has any of the above characteristics or is associated with a person who has or is perceived as having any one of these characteristics. Discrimination based on any of these protected classifications is unlawful and is a violation of company policy. The Company makes all employment decisions without regard to these protected statuses and does not tolerate harassment or discrimination.

This job description is not an exclusive or exhaustive list of all job functions that an employee in this position may be asked to perform from time to time. Mirastar Federal Credit Union reserves the right to revise or change job duties and responsibilities as the need arises.