Loan Processor - Central Las Vegas

Position Summary: This position involves assisting clients by meeting their short-term financial needs. The employee works each stage of the loan process including reviewing the application with the prospect, analyzing the information provided on the application, and assisting with the decision whether to extend credit. Once the prospect becomes a client of Dollar Loan Center (DLC), continued contact with the client can be expected through taking weekly payments, answering any questions that arise, and collecting on any loans that have become past-due.

Essential Duties and Responsibilities:

Customer Service Responsibilities:

• Present a friendly and enthusiastic environment to every person who contacts Dollar.


• Loan Center either by phone or in person, promptly responding to all customer needs.


• Greet all prospects and customers by smiling, standing up, and asking how we may help them.


• Explain the features and benefits of Dollar Loan Center's programs versus the programs of other loan companies. Provide responses to prospects and customers' questions that are consistent with Dollar Loan Center's expectations.


• Check the loans pending queue for unprocessed applications at least every 15 minutes.


• Consistently use professional, non-offensive language when interacting with customers and co-workers.


• Consistently ask for customer service reviews.

Loan Analysis:

• Analyze each loan application for complete and accurate data and clarify any questionable information with the prospect before processing the loan.


• Verify information and process loan application within 15 minutes of receipt of customer's information.


• Understand and follow underwriting guidelines. Include appropriate people in decision-making.


• Provide thorough and effective contract explanation on every loan.

Sales:

• Look for ways to improve rather than deny applicants.


• Remind customers of credit limit in person or over the phone and present options for credit limit increases.


• Understand and be able to clearly explain the DLC Advantage and DLC Challenge.


• Consistently ask for referral business.


• Place marketing calls to customers on the daily basis.

Collections:

• Make timely, consistent, and effective collection calls on all past-due accounts. Calls are on a professional and courteous level.


• Know and follow all applicable Dollar Loan Center collection guidelines.


• On every collection call, enter clear, concise collection notes, including correct promise dates, into the system.

Technical Skills:

• Correctly calculate customer payments, and be able to answer questions about due dates, principal, interest, back interest, late charges, etc.


• Accurately count money and make change. Ensure loan funds are disbursed accurately.


• Enter all information into the computer in a consistent and accurate manner.


• Ensure all payment/loan drawers are balanced at required time frames, have adequate change & bills, and balances of $1000 or less.

Other:

• Work Manage confidential information.


• Regular and consistent attendance.


• Other duties as assigned.


• Receive key to ensure opening and closing of assigned location/locations.

Requirements for Education and/or Experience:

• High school diploma or GED.


• One year previous customer service experience.


• Computer literate.


• Excellent communication skills.


• Previous lending, cash handling and collection experience a plus.


• English/Spanish bi-lingual a plus.


• Available to work all regular office hours and overtime when necessary.


• Hard-working and dedicated to the goals of Dollar Loan Center.


• Familiar with basic office equipment.


• Have reliable transportation.


• Travel and cover other office locations to fulfill company needs.


• Satisfactorily pass a background check.

General Expectations:

• Maintain customer confidentiality and privacy.


• Manage time effectively and perform job duties with little or no supervision.


• Maintain satisfactory attendance record.


• Strive to work harmoniously with co-workers.


• Accept suggestions for ways to enhance performance and understand its positive intent.


• Keep the entire office space clean and organized at all times.


• Abide by Dollar Loan Center dress code.


• Limit non-work-related phone calls, personal visits and on-line correspondence to scheduled break periods only.


• Consistently exhibit the Core Values of Dollar Loan Center.


• Establish and maintain relationships with local businesses for potential partnerships.

Specialized Knowledge, Skills and Experience:

• Demonstrate the ability to interact with staff at all levels in a fast paced environment, sometimes under pressure, while remaining flexible, proactive, resourceful, and efficient with a high level of professionalism and confidentiality.


• Speak, write, and communicate fluently in both English and Spanish a plus.


• High level of written and verbal communication skills, as well as excellent organizational and detail oriented skills.

Abilities:

Requires the ability to gather and analyze facts, to devise solutions to problems, to prepare clear and concise reports, follow instructions, attention to details and to perform with a high level of accuracy, completeness, and legal compliance. Ability to work in a team environment; work effectively with others, provide effective client service and public relations, display strong interpersonal and communication skills, both verbally and in writing, organize, prioritize, research, and plan. Ability to correctly interpret, explain and apply policies and procedures, understand, and follow oral and written instructions, ability to communicate clearly and concisely, both orally and in writing. Ability to establish and maintain cooperative working relationships with those contacted in the course of work; ability to interact with a variety of individuals from socio-economic, ethnic, and cultural backgrounds in sensitive or difficult situations.

Requires repetitive movement, sitting, writing letters and memos, face-to-face discussions with individuals or teams, use of electronic mail, telephone conversations, contact with others (face-to-face, by telephone, or otherwise). Requires repeating the same physical activities or mental activities over and over; requires being exact or highly accurate, requires meeting strict deadlines. Requires work with external providers, customers or the public, work with others in a group or team, coordinating or leading others in accomplishing work activities. Requires travel to multiple sites and locations.

Work Environment:

Requires working indoors in environmentally controlled conditions. Job tasks are performed in close physical proximity to other people. Travel to multiple sites.