Address
Form of workWhat You'll Do:
- Efficiently meets the needs of the membership while reviewing loan applications.
- Review and evaluate Consumer Loan applications, to include all secured and unsecured Consumer Loans, including but not limited to automobiles, Home Equity lines and loans, personal loans and credit cards, in accordance with established lending guidelines and credit union policies.
- Analyze applicant's credit history, income sources, employment history, and other financial data to assess their creditworthiness.
- Utilize loan origination software, credit scoring models, and risk assessment tools to make informed lending decisions.
- Collaborate with branch and consumer lending team members, and other relevant parties to gather necessary information and documentation for accurate loan evaluations.
- Make sound decisions while ensuring compliance with all relevant regulations, including but not limited to fair lending practices, truth in lending and privacy laws.
- Provide prompt and accurate responses to loan decision inquiries from both internal staff and members.
- Communicate lending decisions to branch and lending staff, offering explanations when needed.
- Demonstrate a high-level knowledge of lending products and services.
- Actively participates in and completes all required loan training.
- Serves as a resource to help coach and develop all team members with lending responsibilities to strengthen products per household with our members.
- Maintain acceptable past dues and charge-offs
- Maintain acceptable approval ratios
- Meets all team, individual and department goals for underwriting measurements.
- Reviews applications in a volume consistent with the department
- Deliver high level of quality service (both internally and externally).
- Completes daily tasks with a high regard for accuracy, efficiency and professionalism.
- Provides information, answering questions and resolving member issues in a timely and professional manner meeting department service standards.
- Prioritizes work to achieve goals and meets required time frames and deadlines.
- Maintains quality service levels through member feedback, branch feedback, and loan reviews.
- Additional Functions:
- Performs routine tasks involved in cross selling and servicing loans, as well as other accounts
- Performs duties in compliance with policies, procedures, and regulations
- Demonstrates teamwork by exhibiting the following: contributing to team effort, initiative, dependability, positive attitude, good attendance, tact, and diplomacy.
What You Can Expect:
We believe in diversity, equity and inclusion in the workplace; accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, individuals with disabilities, pregnancy, marital status, status as a protected veteran or any other status protected by applicable law.
Benefits and Perks
Employer-Paid Benefits:
- Health Insurance (only employee premium paid)
- Short and Long Term Disability
- Life Insurance and AD&D
Benefits:
- Dental & Vision Insurance
- Health Care and Dependent Care Flex Spending Accounts
- 401K Plan with 100% match (based on length of employment)
Perks:
- Generous paid time off- Earn over 3 weeks of PTO during your first year of employment
- Holidays- 11 observed holidays in addition to paid time off
- Tuition reimbursement- Up to $5000 per year
- Performance based Incentive program
