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Lending Consultant  

EOE StatementWe are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status or any other characteristic protected by law.

Tropical FCU (TFCU) is a Sun-Sentinel Top Workplace four years in a row. Being part of TFCU will provide you with opportunities to engage by learning, growing, contributing, collaborating, and developing professionally. Join us for a great employee experience focused on engaging employees and members alike.

Job Description

Job Title: Lending Consultant

Department: Lending

Reports to: Lending Consultant Manager

FLSA Status: Non-Exempt

GENERAL RESPONSIBILITIES: This position is a great opportunity to assist our members and potential members get beyond money and guide them with their financial needs, including opening new accounts, and presenting the members and potential members with valuable information regarding products and services to best align to their financial needs.


  • Provide service that meets the Service Standards defined by Tropical Financial Credit Union as measured by the Net Promoter Score survey; annual goals are established through the Performance Management Process.
  • Responsible for explaining different types of Products and Services to include loans and credit options available that fit the financial needs of the Member. Analyze credit reports, debt to income ratios, loan to value, rates, terms, etc……
  • Utilizes consultative sales techniques at every loan opportunity during the loan interviewing process to identify products and services the fit the financial needs of the Members.
  • Identify member’s needs and financial goals through effectively trained sales and service techniques.
  • Actively recommend cross-selling alternatives
  • Complete loan applications and work with the consumer lending team to communicate loan decision and process.
  • Conducts daily follow-up calls and/or telemarketing.
  • Responsible for meeting/exceeding monthly sales goals such as credit life, disability, gap and mechanical breakdown.
  • Responsible for meeting monthly Mortgage and Home Equity referrals.
  • Confer with credit analysts and loan processors to aid in resolving any loan application issues or inquiries.
  • Effectively be able to assist irate members, build rapport and create a “WOW” experience.
  • Responsible for inbound and outbound consumer loan origination calls.
  • Maintains comprehensive knowledge of Fair Lending.
  • Support and provide superior service via phone, faxes and email as a receiver and caller.
  • Recommend improvement to procedures and processes.
  • Serve as a mentor to newly hired employees.
  • BSA Compliance: every employee is required to uphold the credit union’s compliance with the Bank Secrecy Act and anti-money laundering policies and procedures. Specific functions within TFCU will take into consideration the awareness of unusual or suspicious activity that is relevant to the department.
  • In addition to any other assigned training courses, online BSA and OFAC courses must be completed at least annually, as made available by the Training and/or Compliance Departments.
  • Ensure ongoing individual compliance with all regulatory requirements established in the SAFE Act, if required.
  • Maintains comprehensive knowledge of the Bank Secrecy Act, Customer Identification Program, USA Patriot Act, OFAC, Fair Lending and Credit Card Act.
  • Comply with all TFCU policies and procedures to ensure compliance with such regulations.
  • Performs related duties as required with or without accommodation.
Position Requirements



  • Minimum three years of customer service experience in a call center or related customer service environment. Previous sales and conflict resolution experience and training in a Financial Institution preferred. Excellent verbal and written communication skills.
  • A high school diploma or general education (GED) is required.
  • Must be able to meet deadlines in an organized and timely fashion.
  • Must be a team player.
  • Ability to read and interpret documents such as - (policies, procedures, rules, regulations, operating and maintenance instructions) and write routine reports and correspondence.
  • Ability to speak effectively with members and employees of the organization.
  • Ability to use the computer (MS Office, Word, Outlook, and Excel).
  • Ability to analyze financial data, compute rates, ratios, and percentages.
  • Ability to deal with problems involving a few concrete variables in standardized situations.
  • Ability to maintain professional composure in conflicting situations.

Physical Demands: The physical demands described here represent those that an employee must meet to perform the job's essential functions successfully.

While performing the duties of this job, the employee is regularly required to talk and hear. The employee frequently is required to stand, walk, sit and use hands to handle or touch. The employee is occasionally required to reach with hands and arms. The employee must occasionally lift and move up to 10 pounds. Specific vision abilities required by the job include close vision and the ability to focus. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 

Full-Time/Part-Time Full-Time  
Exempt/Non-Exempt Non-Exempt  
Location Headquarters  
About the Organization Tropical is a not-for-profit, member-owned and member operated financial cooperative, serving South Florida since 1935. We operate a fun, and family-oriented work environment where every employee has the opportunity to learn and grow in their career and move up within the organization. It's an organization that values your contributions and rewards you for your performance. TFCU has proven to be an organization that is dedicated not only to TFCU's success, but the success of its employees and the financial success of our members.  

This position is currently accepting applications.

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