Lending Expert

Job Type: Full-time

Location: Elkhart, IN

Schedule: Monday through Friday

Employees may occasionally be scheduled outside of standard business hours to assist with departmental needs.

This position offers a base hourly rate plus incentive, with the potential to earn $60,000–$90,000+ annually based on performance.

Job Description

INOVA Federal Credit Union is seeking a highly motivated, sales-focused, and relationship-driven Lending Expert to join our Centralized Lending team at our Corporate location in Elkhart, Indiana.

Would you like to work for an organization where you can make a difference while building a career in lending and financial services? The Lending Expert role is an opportunity to combine sales, relationship building, and lending expertise while helping members find financial solutions that fit their individual needs.

The Lending Expert is responsible for originating primarily vehicle refinance loans through provided phone and online leads. You'll work directly with prospective and existing members throughout the entire lending process, from the initial application through approval and closing.

You'll communicate with members by phone, email, and online channels, collect and review documentation, educate members on their lending options, and recommend additional products and services when appropriate.

This position is ideal for someone who is comfortable talking with people, enjoys a fast-paced sales environment, has strong attention to detail, and is motivated by helping members while achieving individual and team goals.

Compensation: This position offers a base hourly rate plus incentive, with the potential to earn $60,000–$90,000+ annually based on performance.

About Us

INOVA Federal Credit Union, founded in 1942 to serve employees of Miles Laboratories, has grown to support over 47,000 members and the employees of more than 500 companies. With six branch locations, thousands of shared service centers, and a nationwide network of free ATMs, INOVA Federal offers broad accessibility and convenience. Our organization focuses on listening to member needs and delivering financial services that go beyond traditional institutions. Guided by the mission to improve members’ financial well-being, INOVA Federal is committed to providing responsible, member-centric financial solutions and personalized service.

Essential Duties & Responsibilities

• Improve members' financial well-being by providing exceptional service and recommending INOVA products and services that best fit their individual needs.
• Respond to member communications and vehicle loan inquiries in a timely manner while meeting INOVA's standards of contact.
• Originate incoming vehicle loan applications by phone and online using provided leads.
• Collect and review all necessary documentation to ensure applications are complete and accurate.
• Analyze loan applications and make recommendations for approval or denial in accordance with established lending guidelines.
• Manage the loan process from initial application through approval, closing, and funding.
• Communicate consistently with applicants throughout the lending process and during loan closing.
• Educate members on credit considerations, lending options, and available credit union products and services.
• Identify opportunities to recommend additional loans, products, and services that may benefit members and support their financial goals.
• Educate members on and cross-sell applicable ancillary products, including GAP, Mechanical Maintenance Protection (MMP), and Debt Cancellation.
• Assist applicants with establishing membership eligibility and completing the membership process with INOVA.
• Maintain an organized loan pipeline and complete timely follow-up activities to keep applications moving forward.
• Work collaboratively with underwriting and other internal departments to provide a smooth and positive member experience.
• Follow all credit union policies, procedures, lending guidelines, and regulatory requirements.
• Protect member confidentiality and maintain accurate and complete documentation.
• Assist with departmental operations and perform other duties as assigned.

Desired Skills & Experience

The ideal candidate is a highly motivated salesperson who enjoys building relationships, providing exceptional member service, and helping people find financial solutions that meet their needs.

We're looking for someone who has:

• High school diploma or equivalent required.
• Minimum of six months of experience in a sales, lending, financial services, member service, or related position preferred.
• Consumer lending or loan processing experience preferred.
• Strong sales and relationship-building skills with the ability to identify member needs and recommend appropriate solutions.
• Excellent written and verbal communication skills.
• Professional and confident phone communication skills are essential.
• Strong attention to detail with excellent organizational and time management skills.
• High level of accountability and the ability to take ownership of assigned applications and follow-up activities.
• Ability to manage multiple applications, conversations, and deadlines in a fast-paced environment.
• Strong problem-solving and decision-making skills.
• Ability to work effectively with multiple departments and contribute to a collaborative team environment.
• Knowledge of current technology and the ability to navigate and learn multiple software systems and environments.
• Ability to analyze financial information and follow established lending procedures.
• Knowledge of vehicle lending, refinancing, credit products, and ancillary lending products is a plus.
• Professionalism, integrity, and a commitment to providing an exceptional member experience.
• A positive, motivated attitude and the desire to achieve both individual and team goals.

Position Details

This is a full-time, non-exempt position located at INOVA Federal Credit Union's Corporate location in Elkhart, Indiana .

The Lending Expert will work as part of our Centralized Lending team and report to the Director of Centralized Lending.

This position will primarily work with provided phone and online leads related to vehicle refinance opportunities. The Lending Expert will manage the lending process from application through closing while maintaining consistent communication with applicants and internal departments.

The position combines member service, lending, sales, and relationship management. Success in this role requires strong communication skills, attention to detail, accountability, and the ability to effectively manage a high volume of applications and follow-up activities.

Compensation: This position offers a base hourly rate plus incentive, with the potential to earn $60,000–$90,000+ annually based on performance.

Why Join INOVA?

At INOVA, you'll have the opportunity to make a meaningful impact while building your career. You'll gain valuable experience in consumer lending, sales, financial services, member relationships, and financial education while working alongside a team committed to your success.

We offer:

• Competitive base compensation plus incentive opportunities
• Medical, dental, and vision insurance
• 401(k) with employer match
• Paid time off and paid holidays
• Tuition reimbursement
• Professional development opportunities
• Career advancement opportunities
• A collaborative, people-first culture
• The opportunity to make a meaningful impact on our members and organization

If you're passionate about helping people, enjoy a sales-focused environment, and want to build a career in lending and financial services, we encourage you to apply.

Work Authorization & Equal Opportunity Employer

Applicants must be legally authorized to work in the United States.

INOVA Federal Credit Union is an Equal Opportunity Employer and is committed to creating an inclusive workplace. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, veteran status, genetic information, or any other protected characteristic under applicable federal, state, or local law.

As part of joining our team, employees are expected to maintain eligibility for membership with the credit union, including opening and maintaining the required membership savings account.