lending consultant

dulsco L.L.C

<p><i><b>Retail Credit Consultant</b></i></p><p>The Retail Credit Consultant is a strategic leadership role responsible for managing and optimizing the bank&rsquo;s retail credit portfolio in the UAE. Reporting to the Department Manager, this position ensures alignment of retail credit strategies with the bank&rsquo;s risk appetite, profitability goals, and regulatory requirements. The role involves developing credit policies, overseeing portfolio performance, ensuring compliance, and driving innovation in credit processes.</p><p><i><b>Key Responsibilities:</b></i></p><ul><li>Develop and implement retail credit policies and frameworks aligned with UAE Central Bank regulations.</li><li>Oversee and optimize the retail credit portfolio to ensure diversification, quality, and profitability.</li><li>Lead the design of credit scoring models and underwriting criteria to enhance decision-making accuracy.</li><li>Monitor portfolio risk, prepare analytical reports, and advise senior management on emerging trends.</li><li>Ensure compliance with regulatory standards and manage relationships with regulators and auditors.</li><li>Build and lead a high-performing credit team with focus on Emiratization, innovation, and talent development.</li><li>Drive digital transformation through automation, AI, and data analytics in credit decisioning.</li><li>Oversee collections and recovery strategies to minimize credit losses and enhance portfolio health.</li></ul><p><i><b>Qualifications &amp; Skills:</b></i></p><ul><li>Master&rsquo;s degree in Finance or related field with 12+ years&rsquo; experience in retail credit risk management.</li><li>Strong knowledge of UAE banking regulations, credit scoring, and portfolio management. Proven leadership in developing credit strategies and managing regulatory relationships.</li><li>Expertise in data-driven risk assessment, AI/ML in credit, and digital lending. Excellent communication, analytical, and stakeholder management skills.</li><li>Professional certifications (FRM, CFA) and GCC experience are advantageous.</li></ul><p>Job Types: Full-time, Permanent</p><p>Base Pay: AED20,000.00 - AED45,000.00 per month</p>

Retail Credit Consultant

Prometeia

<div>
 <p>
  <strong>
   Consultant in Credit Digitalization
  </strong>
 </p>
 <p>
  <br/>
 </p>
 <p>
  Prometeia is a global firm of quantitative experts and software engineers, dedicated to applying financial modelling, economic research, and data science to solve complex business and regulatory challenges. Our mission is to combine academic excellence with industry experience, integrating macro-economic research, quantitative analysis, business consulting and software development. This distinctive mix of competences has made Prometeia a leading company in Risk, Asset and Wealth Management solutions across Europe, Africa and Middle East
 </p>
 <p>
  .As a leading provider of Risk Management solutions in the EMEA market, Prometeia is looking to strengthen its
  <strong>
   International Delivery Tea
  </strong>
  m, by hiring a
  <strong>
   Credi
  </strong>
  t
  <strong>
   Risk Consultant in the fields of Credit Digitalization and Credit Decision Management.
  </strong>
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   MAIN TASKS
  </strong>
 </p>
 <p>
  The successful candidate will collaborate with a specialized team of business consultants, risk advisors and IT architects operating within different projects in Egypt.
 </p>
 <p>
  <br/>
 </p>
 <p>
  His / her main responsibility will include:
 </p>
 <ul>
  <li>
   Support the PM in
   <strong>
    driving digital transformation processes
   </strong>
   in the fields of Lending and Risk Scoring
  </li>
  <li>
   Assist in the design an
   <strong>
    d implementation of credit management process
   </strong>
   es and analytical frameworks
  </li>
  <li>
   Assist in the design of credit architecture and assess the bank&rsquo;s technological eco-system
  </li>
  <li>
   Perform
   <strong>
    data analysis
   </strong>
   and query data to implement credit solutions
  </li>
  <li>
   Support the methodological analysis and the integration of risk metrics (PD, LGD, EAD, RWA) into credit decision
  </li>
  <li>
   Setup and implementation o
   <strong>
    f Early Warning System, Rating Attribution and Credit Monitoring solutions
   </strong>
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   REQUIREMENTS
  </strong>
 </p>
 <ul>
  <li>
   Good knowledge
   <strong>
    of data management langua
   </strong>
   ges (e.g. SQL, R,&hellip;)
  </li>
  <li>
   Good Microsoft Office skills, e.g. Excel, Word, Power Point and Access.
  </li>
  <li>
   Expertise in bank processes and organization.
  </li>
  <li>
   Native Arabic speaker.
  </li>
  <li>
   Fluency in English is mandatory (at least C1), proficiency in Italian is considered a plus.
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   SOFT SKILLS
  </strong>
 </p>
 <ul>
  <li>
   Effective communicator in a multinational and multi-discipline environment.
  </li>
  <li>
   Strong analytical skills with acute attention to detail.
  </li>
  <li>
   Project/time management skills to meet required deadlines.
  </li>
  <li>
   Teamwork attitude, flexibility and proactivity.
  </li>
  <li>
   Problem solving skills.
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   WHAT WE OFFER
  </strong>
 </p>
 <p>
  The selected candidate will be offered a career path that will include projects in Egypt and GCC countries, as well as the opportunity to work in a stimulating and dynamic environment, strongly oriented towards the enhancement of resources according to the objectives attained.
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   LOCATION
  </strong>
 </p>
 <p>
  Cairo
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   OTHER
  </strong>
 </p>
 <p>
  Applications made without sending an updated cv in English won't be considered.
 </p>
 <p>
  The eligible candidates will be contacted for a preliminary call by the Corporate HR Representatives (Italy-based).
 </p>
 <p>
  <br/>
 </p>
 <p>
  Prometeia is committed to employing a diverse workforce.
 </p>
 <p>
  Qualified applicants will receive consideration without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, gender expression, veteran status, or disability.
 </p>
 <p>
  Our Group obtained the Top Job 2019/20 award, assigned by the German Institute of Quality and Finance to the 200 best companies to work in various European countries (2000 companies considered in the analysis).
 </p>
 <p>
 </p>
</div>


Consultant in Credit Digitalization

Lendmark Financial Services

<div><div>At Lendmark Financial Services, we believe the success of our company is specifically attributable to the quality of our employees and their commitment to our customers. We value each customer and understand that people want to do business with people who care. That&rsquo;s one way we differ from our competitors. We are proud of what we as a team have accomplished. We will always strive for improvement, our motto since day one has been &ldquo;Success is the only option.&rdquo;</div><div></div><div>
Lendmark Financial Services offers a comprehensive benefits package for employees and dependents that includes medical, dental, vision benefits, paid time off, paid holidays, 401(k), life insurance, long-term disability, tuition assistance and an employee assistance program. We also offer optional benefits such as critical care, auto, home and pet insurance as well as other ancillary insurance options.</div><div>
GENERAL SUMMARY:</div><div></div><div>
The role of Loan Consultant II is to provide exceptional customer experience while providing personal loan solutions. This position focuses on building a customer base through sales, loan extension and merchant referrals. Role success will be based on creation of customer experience, generation of business, compliance, attainment of monthly goals, and accuracy.</div><div></div><div>
MAJOR DUTIES/RESPONSIBILITIES:</div><ul><li><div>
Greet, assist and solicit individuals entering the office and calling by phone; receive and process credit and employment verifications, and record information obtained.</div></li><li><div>
Process payments, distributions, and make recommendations regarding loan approvals.</div></li><li><div>
Approve loans up to established lending limits and complete loan closings.</div></li><li><div>
Handle account activities related to collection accounts, including phone calls and face to face communications with customers.</div></li><li><div>
Prepare reports, correspondences, transaction documentation, and record and file documentation; operate cash drawer, process bank deposits, maintain records and balances and closing of the branch.</div></li><li><div>
Actively market all branch products and services to individuals.</div></li><li><div>
Perform all other duties as assigned by management.</div></li></ul><div></div><div>
BASIC REQUIREMENTS:</div><ul><li><div>
High School Diploma or GED from accredited institution</div></li><li><div>
2-4 plus years consumer finance or related experience</div></li><li><div>
Cash handling; computer skills; customer service skills</div></li><li><div>
Ability to work with minimum supervision</div></li><li><div>
Excellent communication skills</div></li><li><div>
Proficient working knowledge of Microsoft Windows, Excel and Word Applications</div></li></ul><div></div><div>
PREFERRED/DESIRED QUALIFICATIONS:</div><ul><li><div>
Associates or Bachelor&rsquo;s Degree</div></li><li><div>
Bilingual, Spanish/English</div></li></ul><div></div><div>
COMPENSATION:</div><ul><li><div>
The salary range for this position is $22.00 - $24.00 per hour, based on the specific Knowledge, Skills, Abilities and/or Experience of the selected candidate.</div></li><li><div>
This position is eligible for Quarterly Incentive compensation based on individual and company performance guidelines.</div></li></ul><div></div><div>
WORK ENVIRONMENT:</div><ul><li><div>
Office Environment</div></li></ul><div></div><div>
If you are interested in a fast paced, high growth, team oriented and great culture environment, you'll enjoy a career with us!</div></div>

Customer Service Representative (Loan Consultant II)

Investec

<div><div><div><p>Investec is a distinctive Specialist Bank serving clients principally in the UK and South Africa. Our culture gives us our edge: we work hard to find colleagues who'll think out of the ordinary and we put them in environments where they'll flourish. We combine a flat structure with a focus on internal mobility. If you can bring an entrepreneurial spirit and a desire to learn and collaborate to your work, this could be the boost your career deserves.</p></div></div><p></p><div><div><br>
<p>
Description of role and key responsibilities :</p><br>
<p></p>
<div>
<div><div><div><p>The purpose of this role is to support the Private Client Lending Specialist team with all operational and administrative tasks relating to loan applications and credit structuring.</p><br>
<p></p>
<p>
The roles and responsibilities include**:</p><br>
<p></p>
<ul><li>Preparation of credit applications, loan and mortgage agreements with a good understanding of MOT, CRM and other systems required across the lending process. Ensure consistent and accurate capturing of client information at all touch points.</li></ul>
<ul><li>Good understanding of our end-to-end process for loan applications to enable timely input of data</li></ul>
<ul><li>Preparation and processing of all data relating to loan applications, ensuring all required documentation is collected and verified where applicable.</li></ul>
<ul><li>Maintain accurate records of loan applications and updates in the system.</li></ul>
<ul><li>Input and maintain data, ensuring accuracy and compliance with processes and regulatory requirements.</li></ul>
<ul><li>A thorough understanding of all systems relating to loan processing including CRM, MOT, SNOW and others.A good understanding of the regulatory and risk environment and what responsibilities you have in adhering to the right outcomes for the business, yourself and clients.</li></ul>
<ul>
<li>Work closely with the Lensing Specialists and RMs to facilitate smooth communication and efficient workflow.</li>
<li>Effective engagement with stakeholders to ensure SLAs are met including RMs, operational stakeholders and credit.</li></ul><br>
<p></p>
<p>
Performance:</p>
<ul>
<li>Ensure performance outcomes set out in your performance framework are met both on a quantitative and qualitative basis</li></ul><br>
<p></p>
<ul>
<li>Constantly review performance to find ways to improve speed, efficiency and commercial outcomes.</li></ul><br>
<p></p>
<ul>
<li>Continuous learning - work with your team leader to identify skills gaps and co-create development plans to close these.</li></ul><br>
<p></p>
<p>
Core skills and knowledge :</p>
<ul>
<li>Experienced candidate in residential mortgage/similar profile between 3-8 years</li>
<li>To act with integrity at all times and embrace the philosophy of treating our customers fairly (compulsory)</li>
<li>Excellent attention to detail with the ability to process high volumes of loan applications through the system</li>
<li>Knowledge of the regulatory framework within which the mortgage team operates</li>
<li>Strong communication and time management skills</li>
<li>Energetic, self starter motivated by time spent with, and solving problems for, clients</li>
<li>Commercial acumen, resilience, continuous learning and adaptation</li></ul></div></div><br>
<p></p>
</div>
</div></div></div><p></p><div><div><p><b>As part of our collaborative &amp; agile culture, our working week is 4 days in the office and one day remote.</b></p>
<p>
Investec offers a range of wellbeing benefits to make our people feel healthier, balanced and more fulfilled in their lives inside and outside of work.</p></div></div><p></p><div><div><br>
<p>
Embedded in our culture is a sense of belonging and inclusion. This creates an environment in which everyone is free to be themselves which helps to drive innovation, creativity and ultimately business performance. At Investec we want everyone to find it easy to be themselves, and to feel they belong. It's a responsibility we all share and is integral to our purpose and values as an organisation.</p>
<p><b>
Research shows</b> that some candidates can be reluctant to apply to a role unless they meet all the criteria. We pride ourselves on our entrepreneurial spirit here and welcome you to do the same &ndash; if the role excites you, please don't let our person specification hold you back. Get in touch!</p></div></div><p></p><div><div>
<p><b>
Recite Me</b></p>
<p>
We commit to ensure that everyone is fairly assessed during our recruitment process. To assist candidates in completing their application form, Recite Me assistive technology is available on our Careers pages. This can be accessed by clicking on the &lsquo;Accessibility Options' link at the top of the page.</p>
<p>
The Recite Me tool includes a screen reader, styling and customisation options, a series of reading aids, a translator and more.</p>
<p>
If you have any form of disability or neurodivergent need and require further assistance in completing your application, please contact the Careers team at [email protected] who will be happy to assist.</p></div></div></div>

Private Client Lending Analyst

Uncia Technologies

<div></div><div><div><div><div><div><b>Job ID:</b> 2544
</div></div><div><div><b>Job Category:</b> Consultant
</div></div><div><div><b>Job Qualificaiton:</b> B.Sc (Comp Sc), BE/B Tech (IT/EEE/CS), MCA/M Tech
</div></div><div><div><b>Job Location:</b>Chennai
</div></div><div></div><div><div><h2 class="jobSectionHeader"><b>About Uncia</b></h2>
</div></div><div><div><p>We are a young enterprise application software product company addressing NBFCs and Banks with a suite of pure-play SaaS products in the Lending space. UNCIA was formerly known as ThemePro Technologies Private Limited, effective Aug&rsquo;23. This rebranding signifies not only a change in our visual identity but also reflects the evolution of our company and symbolizes our future.</p><p>
Established in Oct &lsquo;2020, we offer a comprehensive suite designed to meet the ever-changing customer requirements focused primarily in Lending, which are; SME Lending, Home Finance &amp; Supply Chain Finance. We have a clientele comprising more than 20 Banks &amp; NBFCs, with a track record of delivering significant results and implementing go-to-market strategies.</p>
</div></div></div></div><div></div><div><div><div><div><div><h2 class="jobSectionHeader"><b>Job Brief</b></h2>
</div></div><div><div><p>Business Analyst &ndash; Loan Management System (LMS)</p>
</div></div><div><div><h2 class="jobSectionHeader"><b>Responsibilities</b></h2>
</div></div><div><div><p>**</p>
</div></div><div><div><h2 class="jobSectionHeader"><b>Requirements &amp; Skills</b></h2>
</div></div><div><div><ul><li>Should have worked as Business Analyst/ Consultant for implementing end to end lending solutions, in general and Loan Management System (LMS), in particular, at least for 5 years.</li>
<li>Candidates who have worked in the Loan Operations Department of Bank/ NBFC for 5 years or Lending Business Analyst in Bank/ NBFC can be considered.</li>
<li>Candidates with an academic background in commerce and accounts will be preferred.</li>
<li>Should have hands-on experience of end-to-end loan life cycle management inclusive of but not limited to Product and Masters Configuration, Loan Account Creation, Disbursement, Accruals &amp; Due Creation, Repayments (Mandate Based and Adhoc), Banking Presentation &amp; Representation, Treatment of Excess Repayments, Prepayments,<br>
Charges, Loan Reschedule, Maturity Closure, Foreclosure, Delinquency, Loan Accounting, End/ Beginning of Day/ Month/ Year, etc.</li>
<li>Should have conducted or participated in conduct of client product walkthrough sessions, gathering and analyzing Business Requirements, mapping of requirement to product,<br>
figuring out gaps, preparing Business Requirement and Function Solution Documents.</li>
<li>Should have worked with cross functional teams. Suitable candidate will have to work with various cross functional teams like Product/ Development Team (for providing<br>
knowledge on requirements), Quality Assurance (for validating test scenarios and their completeness, participate in triage calls and provide clarifications).</li>
<li>Desired candidate will have to conduct trainings and workshops, for system user, before start of User Acceptance Testing (UAT) and will have to support UAT to its completion.</li>
<li>Candidate will have to prepare documents like user manuals and other training materials for UAT support.</li>
<li>Desirable candidate should have good written and verbal communication skills.</li>
</ul></div></div></div><div></div><div><div><div><div><div><div><div><div><div><b>Job Category: </b>Consultant
</div><div><b>Job Qualificaiton: </b>B.Sc (Comp Sc) BE/B Tech (IT/EEE/CS) MCA/M Tech
</div><div><b>Job Location: </b>Chennai</div></div></div></div></div></div></div></div></div></div></div></div><p></p>

Business Analyst – Loan Management System (LMS)

Black Hills Federal Credit Union

<div><p><b>Who We Are</b></p><p><i>
We have the fundamental belief that we, as an organization, can and will improve lives. Rooted in the centuries-old credit union philosophy of people helping people, we maintain a simple premise. Those we interact with will receive equal and just treatment, devoid of intolerance, false judgment, racism, or discrimination of any kind. We must not accept less if we are to fulfill our mission, &quot;We Improve Lives.&quot; This mission empowers us to serve the greater good and to make a difference in our world. Our cooperative structure creates a cycle of mutual assistance towards the common goal of the financial well-being of members.</i></p><p><i>
At Black Hills Federal Credit Union (BHFCU), we&rsquo;re committed to improving the lives of our members every day, and we look for people who share that passion. Don&rsquo;t have a ton of financial industry experience? No problem. Our onboarding includes an orientation program with ongoing training to help staff further their career at BHFCU by building on their existing strengths.</i></p><p>
</p><p><b>General Purpose:</b>
</p><p>Responsible for providing outstanding lending and member service while actively encouraging and educating members on utilization of ITMs and other credit union products and services.
</p><p></p><p><b>Essential Duties/Responsibilities:</b></p><ul><li>
Welcome members to the Branch and guide them to the ITMs when appropriate. Provide education for using the ITMs.
</li><li>Responsible for performing teller transactions, when appropriate, to include but not limited to change orders and business deposits.
</li><li>Perform member service tasks on a daily basis to include but not limited to: opening new consumer memberships, new youth memberships, maintenance of all account types, credit card applications, assisting members with online banking support, instant issue and member select PIN requests, quick draw loans, wire transfers, notaries, ordering checks, address and phone number updates, opening certificates and sub share accounts, changing account types, funding both personal and auto loans, and closing memberships.
</li><li>Responsible for providing information and taking applications for a variety of consumer loans including auto and recreational vehicle loans, personal loans, credit cards, and secured loans following Credit Union procedures and policies. Follow-up and maintain pending loan queue. Maintain loan information and follow-up documentation. Assist members with loan payment issues.
</li><li>Remain current on changes within the legal, regulatory, economic, competitive, and technology environments that may affect the Teller, Member Services, and Lending functions.
</li><li>Responsible for obtaining clear title to collateral and dealing knowledgably with all title and CPI issues. Assist members with CPI issues.</li><li>
Educate and inform members of all BHFCU products and services, and cross-sell when applicable, using the ENGAGE model. Make referrals when appropriate.</li><li>
Performance expectations to meet appropriate production goals.</li></ul><h1 class="jobSectionHeader"><b>
Other Duties/Responsibilities:</b></h1><ul><li>
Maintain account accuracy by working various reports, workflows, and projects as requested.
</li><li>When applicable, request members to bring accounts positive and to maintain minimum balance requirements. Request members make payments on delinquent loans or over-the-limit-credit card balances.</li><li>
Provide coverage at other Branch locations, in the contact center, or through other channels as needed.</li><li>
Build relationships with local businesses and community organizations with the direction of the Branch Manager or Market VP.
</li><li>Perform other duties as may be assigned.</li></ul><p>
</p><p><b>Job Knowledge:</b></p><ul><li>
Knowledge of laws and regulations affecting teller, member service, and lending transactions.
</li><li>Knowledge of general ledger accounts pertinent to the department.</li><li>
Knowledge of the credit union's products and services.</li><li>
Knowledge of organization's policies/procedures and Credit Union's service philosophy.
</li><li>Knowledge of safety and security programs includes but not limited to information security, alarms, robberies, bomb threats and extortion.</li><li>
Knowledge of Credit Union's in-house computer system, Internet, and any relevant software programs.</li><li>
Knowledge and delivery of the ENGAGE model.</li><li>
Knowledge of opening and closing procedures.</li></ul><p>
</p><p><b>Job Qualifications (Skills):</b></p><p>
BHFCU is committed to working with its employees to reasonably accommodate them with the physical aspects of the position. The following list outlines the physical considerations that are normally encountered in this job.</p><ul><li>
Vision: A sighted person to handle cash transactions and verify financial transactions. Ability to complete necessary paperwork.</li><li>
Speech/Hearing: Ability to communicate verbally and in writing with staff, members and vendors.</li><li>
Manual Dexterity: Ability to perform necessary computer-related input.</li><li>
Physical Mobility: Must be able to man teller window and remain standing for prolonged periods of time.
<ul><li>Ability to carry bags of coin or other items up to 30 lbs. occasionally throughout the day.</li><li>
Ability to work flexible hours
</li></ul></li></ul><p></p><p><b>Job Qualifications (Ability):</b></p><ul><li>
Ability to understand and follow complex written and verbal instructions and disseminate that knowledge in a clear and understandable format to others.</li><li>
Ability to operate multiple monitors and software systems simultaneously without interfering with member service.
</li><li>Ability to express oneself clearly and concisely, both orally and in writing.</li><li>
Ability to interact positively with co-workers, management, and the public to promote a team effort and maintain a positive attitude even under extreme pressure.</li><li>
Ability to prepare and maintain confidential records and reports.
</li><li>Ability to produce a high volume of work in a timely manner that is accurate, complete, and of high quality. Ability to prioritize work. Ability to handle multiple tasks simultaneously.</li><li>
Ability to analyze out-of-balance situations, statistics, and financial data. Gather, assemble, correlate, and interpret facts and develop solutions.</li><li>
Ability to work within standardized guidelines with latitude to make decisions and take initiative to resolve problems even in unique circumstances.</li><li>
Ability to use a rational and organized approach to completing tasks.</li></ul><p>
</p><p><b>Job Qualifications (Education/Experience) - Job Levels:</b></p><p><b>
Member Experience Consultant I</b></p><ul><li>
Two-year college level of language, math and reasoning skills or equivalent experience. Zero to two years of relevant experience preferred. Meets the essential job duties/responsibilities, job knowledge, and job qualifications. Formal training should be supplemented with continuing education.</li><li>
Performance expectations to meet Tier I production goals.</li></ul><p>
</p><p><b>Member Experience Consultant II</b></p><ul><li>
Two-year college level of language, math and reasoning skills. Two to five years of relevant experience preferred. Formal training should be supplemented with continuing education.</li><li>
Meets all qualifications for a Member Experience Consultant I
</li><li>Have an elevated understanding of all knowledge requirements (refer to job knowledge).</li><li>
Responsible for opening IRAs, business accounts, estate accounts, and trust accounts.</li><li>
Responsible for providing information and taking applications for all loans required of an MXC I, and home equity loans, home improvement loans, mobile home loans and business loans following Credit Union procedures and policies.</li><li>
Performance expectations to meet Tier II production goals.</li></ul><p>
</p><p><b>Member Experience Consultant III</b></p><ul><li>
Four-year college level of language, math, and reasoning skills. Five to seven years of experience in lending and member service (or equivalent) is required. Formal training should be supplemented with continuing education.
</li><li>Meets all qualifications for a Member Experience Consultant II.</li><li>
Have an advanced understanding of all knowledge requirements (refer to job knowledge).</li><li>
Performance expectations to meet Tier III production goals.</li></ul><p>
</p><p><b>Member Experience Consultant IV</b></p><ul><li>
Four year-college level of language, math, and reasoning skills. Seven or more years of experience in lending and member services is required; equivalent experience in the financial services industry may be considered. Formal training should be supplemented with continuing education.
</li><li>Meets all qualifications for a Member Experience Consultant III
</li><li>Have an expert understanding of all knowledge requirements (refer to job knowledge).</li><li>
Ability to effectively communicate with all levels of the organization and with outside parties.</li><li>
Assist in ensuring procedures are up to date by informing the appropriate staff or updating procedures as requested by supervisor.</li><li>
Acts as a back-up to the Branch manager, if requested.
</li><li>Performance expectations to meet Tier IV production goals.</li></ul><p>
</p><p><b>Production/Business Track</b></p><ul><li>
Ability to take applications for commercial/business loans. Gather documentation as needed to support the deposit and/or lending needs of the business member.</li><li>
Seek opportunities to expand Credit Union relationships by actively recruiting business customers and pursuing a business development relationship with the business and their employees.
</li></ul><p></p><p><b>Leadership Track</b></p><ul><li>
Working knowledge of management techniques to enhance staff productivity and serve as a mentor to peers.
</li><li>Ability to work within established guidelines with latitude to make decisions and take initiative to resolve problems or unique circumstances.
</li><li>Ability to build trusted relationships and promote collaboration with peers. Maintains a professional, friendly, and courteous manner.
</li></ul><p></p><p><b>Working Conditions:</b></p><p><b>
Material and Equipment Involved</b>
</p><ul><li>Interactive Teller Machines</li><li>
Drive-up Equipment</li><li>
In-House Computer System</li><li>
Multi-functional Device
</li><li>Instant Issue Machine</li><li>
10-Key Calculator
</li><li>Self-service Coin Machine</li><li>
Coin Counter / Sorter / Roller
</li><li>Currency Counter
</li><li>Scanner</li><li>
ZON Terminal</li><li>
In-House instant messaging system
</li><li>Salesforce
</li></ul><p></p><p><b>Work Environment/Physical Activities</b></p><p>
Occasional travel to one of BHFCU&rsquo;s branch locations or attendance at community events may be required.</p><p>
Job requires limited physical effort. It is primarily a desk assignment. Work is performed within a highly structured and closely supervised environment. Ability to function in a fast-paced area. Ability to handle multiple tasks simultaneously. Work creates normal fatigue daily. Work creates moderate stress during certain periods during daily routine. Job does not have specific volume and pace of work standards except that the job requires that members be served in the timeliest manner possible. Job requires extensive member contact on a continual basis. The job calls for a high degree of mental concentration to interpret and act upon a wide range of situations. The job requires a degree of attention to detail.</p><p>
</p><p><b>Physical Requirements</b></p><p>
Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 5 lbs. Must be capable of climbing/descending stairs in emergency situation. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer for an average of 6-8 hours per day. Must be able to work extended hours whenever required or requested by management. Must by capable of regular, reliable and timely attendance.</p><p>
</p><p><b>Working Conditions</b></p><p>
Must be able to routinely perform work indoors in climate-controlled shared work area with moderate noise.</p><p>
</p><p><b>Mental and/or Emotional Requirements</b></p><p>
Must be able to perform job functions with supervision and work effectively either on own or as part of a team. Must be able to read and carry out various instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be able to perform basic mathematical calculations with extreme accuracy. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines/requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on confidential matters.</p><p>
</p><p><b>Notice:</b> This job description is not intended to be, nor should it be construed as, a contract or guarantee of employment. Black Hills Federal Credit Union adheres to all federal and state labor laws regarding termination and probationary periods. This position is also subject to all the personnel policies of Black Hills Federal Credit Union. Changes may be made to this job description at any time by the President. Black Hills Federal Credit Union is an equal opportunity employer.</p><p>
</p><p><i>Black Hills Federal Credit Union is an equal opportunity employer. All applicants will receive consideration without regard to age, race, color, sex, sexual orientation, genetic information, religion, national origin, disability, veteran status, or any other status or condition protected by state or federal law. BHFCU will provide reasonable accommodation to qualified persons with a disability but who are otherwise able to perform the essential functions of the job</i></p></div>

Member Experience Consultant l

My Mortgage

<div>
 <p>
  We are seeking an experienced and client-focused
  <strong>
   Mortgage Consultant
  </strong>
  to join our team. The ideal candidate will guide clients through the complete mortgage process &mdash; from initial consultation to loan approval &mdash; ensuring they receive the best possible lending solutions based on their financial goals and property needs.
 </p>
 <p>
  You will work closely with banks, financial institutions, and internal sales teams to provide accurate advice, secure competitive rates, and deliver exceptional customer experiences.
 </p>
 <p>
  🔑
  <strong>
   Key Responsibilities:
  </strong>
 </p>
 <ul>
  <li>
   Advise clients on suitable
   <strong>
    mortgage and refinancing options
   </strong>
   based on their financial circumstances and property goals.
  </li>
  <li>
   Evaluate clients&rsquo; financial information, including income, liabilities, and credit history.
  </li>
  <li>
   Liaise with
   <strong>
    banks and lenders
   </strong>
   to source the most competitive mortgage products.
  </li>
  <li>
   Prepare and submit
   <strong>
    loan applications
   </strong>
   with all necessary supporting documentation.
  </li>
  <li>
   Guide clients through the
   <strong>
    approval, valuation, and disbursement process
   </strong>
   .
  </li>
  <li>
   Maintain up-to-date knowledge of
   <strong>
    UAE mortgage regulations
   </strong>
   , interest rates, and property market trends.
  </li>
  <li>
   Collaborate with
   <strong>
    real estate agents, developers, and financial advisors
   </strong>
   to generate leads.
  </li>
  <li>
   Achieve monthly and quarterly
   <strong>
    sales and conversion targets
   </strong>
   .
  </li>
  <li>
   Provide
   <strong>
    after-sales service
   </strong>
   and build long-term client relationships for referrals and repeat business.
  </li>
 </ul>
 <p>
  🎓
  <strong>
   Qualifications &amp; Skills:
  </strong>
 </p>
 <ul>
  <li>
   Bachelor&rsquo;s degree in Finance, Business, or related field
  </li>
  <li>
   Proven experience (2+ years) as a
   <strong>
    Mortgage Consultant / Advisor
   </strong>
   within real estate or banking.
  </li>
  <li>
   Strong knowledge of
   <strong>
    mortgage products, credit policies, and banking procedures
   </strong>
   .
  </li>
  <li>
   Excellent communication and negotiation skills.
  </li>
  <li>
   High attention to detail, analytical mindset, and client service orientation.
  </li>
  <li>
   Ability to work in a
   <strong>
    target-driven environment
   </strong>
   .
  </li>
  <li>
   Proficiency in CRM systems and MS Office tools.
  </li>
 </ul>
 <p>
  💰
  <strong>
   Benefits:
  </strong>
 </p>
 <ul>
  <li>
   Attractive commission structure and incentive plans.
  </li>
  <li>
   Access to wide range of local and international lenders.
  </li>
  <li>
   Training and support for professional growth.
  </li>
  <li>
   Dynamic work environment within a leading real estate firm.
  </li>
 </ul>
 <p>
 </p>
</div>


Mortgage Consultant

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