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Needham Bank Consumer Credit Specialist II in Needham, Massachusetts

Job Descriptions:

As a member of the Residential & Consumer Lending team, the Consumer Credit Specialist II will be responsible for assisting the SVP, Consumer Lending, Credit Card Administrator and other lending colleagues with daily end-to-end workflow of the consumer and credit card lending production process.

The Consumer Credit Specialist II will be an integral member of the Consumer Lending team, supporting the daily routines and various functions associated with the consumer lending process. Responsibilities include, monitoring new application activity, workflow and pipeline management, processing, documenting, and preparing applications for underwriting, closing and disbursement.

The successful candidate will possess an enthusiastic, confident and positive attitude; will be an extremely organized solution-focused person and have a desire and willingness to interact directly with our internal and external customers to passionately deliver a great customer experience.


  • Working closely with the Consumer Credit Administrator, support the daily end-to-end consumer lending production process including but not limited to… new credit card and consumer loan applications, request and process required documentation from customers, analyze and prepare applications for underwriting review

  • Act as the initial point-of-contact for customers and branches related to the application, documentation and review process.

  • Provide initial review and validation of credit card and consumer loan applications to ensure documentation is well organized, meets program procedures, requirements and lending policies.

  • Demonstrate a consistently high level of service to ensure a positive customer experience and adherence to the bank’s customer service standards.

  • Maintain a positive professional demeanor at all times when interacting with customers, managers and peers.

  • Escalate issues in a timely manner to management and inform of issues or delays that have potential to negatively impact the customer experience. Provide recommendations for potential solutions.

  • Assist, support and produce various daily/weekly production reports; Monitor and elevate issues/trends.

  • Maintain a thorough understanding of consumer credit documentation and processing requirements.

  • Identify ways to increase efficiency, reduce processing time, increase speed and overall process improvements.

  • Develop an ability to provide support and information to internal teams including… Residential and Consumer Lending, Retail and Private Banking, Operations, Risk, Compliance, Marketing or other teams as needed.

  • Develop a basic understanding and knowledge of bank products and services.

  • Perform additional duties as requested, needed or assigned.

Required Experience:

  • Minimum high school diploma, with additional education or equivalent work experience preferred.

  • Two to five years’ consumer or other lending and credit experience preferred.

  • High degree of comfort and experience using Microsoft office software

  • Ability and willingness to quickly comprehend and become efficient using a variety of the proprietary systems associated with supporting the credit processes.

  • Prior experience with aspects of the consumer credit application process, in particular credit cards.

  • Basic understanding of the requirements under the Consumer Protection Act and applicable compliance regulations such as Regulation E and Regulation Z.

  • Excellent organizational, analytical, time management and interpersonal skills.

  • Ability and willingness to prioritize functions, workflows and independently complete daily responsibilities.

  • Enthusiastic customer advocate with strong verbal and written communication skills.

  • Capability to maintain an excellent personal credit profile.

  • Adherence to Needham Bank’s Core Values… Quick-Decision Making, Reliability, Relationship-Based Focus & Quality Service.

Needham Bank offers a competitive salary and an amazing benefit package for a full-time employee which includes fully paid medical and dental insurance, HRA, 401(k) plan with an 8% bank match, paid time off (PTO), paid holidays, a bonus program, flexible spending accounts, vision service plan, group term life insurance, short and long term disability insurance, tuition reimbursement, and an Employee Assistance Program.

Needham Bank is an Equal Opportunity/Affirmative Action Employer. Needham Bank will provide all applicants for employment and all employees with equal opportunity for employment and promotion regardless of race, color, religion, gender, national origin or ancestry, age, disability, veteran status, military service, sexual orientation, genetic information, or gender identity.

Keyword: Residential & Consumer Lending, Consumer Credit

From: Needham Bank