Loan Officer

The Loan Officer creates a remarkable experience consistent with our brand personality, core values, service promises, mission, and vision with all internal and external relationships. Provides exceptional service at all member touch points. Responsible for assisting members by completing consumer loan application requests in person and by telephone. Processes consumer loan applications that are consistent with established loan policies, procedures, laws, and regulations, while maintaining credit union quality, security, and efficiency. Supports our sales and service culture while reinforcing our member advocacy environment. Responsible for interviewing and educating our members as well as analyzing their loan applications. Recommends underwriting decisions in accordance with credit union policy and to comply with state and federal regulations. Responsible for disclosing consumer loans that are consistent with established loan policies, procedures, laws, and regulations, while maintaining credit union quality, security, and efficiency. Must be able to coordinate multiple tasks, prioritize workload, and meet deadlines while maintaining professional and friendly communications.

Experience and Training

• High School diploma or GED equivalent
• Previous lending experience preferred
• Must be eligible for and be registered on the Nationwide Mortgage Licensing System as a Mortgage Loan Originator as part of the SAFE Act
• Must be eligible for and willing to be a Notary Public
• Must pass Consumer Loan Policy test with a score of at least 95% within 90 days
• Must pass the Mortgage Loan Policy test with a score of at least 95% within 6 months

Required Knowledge and Abilities

Interpersonal Skills:

• An energetic, forward-thinking, and creative individual with high ethical standards and an appropriate professional image, business-like manner, and appearance
• Acquires and maintains a complete and thorough knowledge and understanding of all Credit Union products, services, and rates. Utilizes product knowledge, proven sales techniques, and other documents and direction to coach and foster the cross selling of all Credit Union products and services
• Maintains a high level of knowledge of Credit Union internal controls, compliance, laws, regulations, guidelines, policies, and procedures in the area of responsibility
• Continues to improve processes, products, and services for the benefit of the member, the employees, and the Credit Union
• Ensures complete confidentiality in all areas
• Maintains the financial integrity of the Credit Union
• Ability to communicate professionally, with courtesy and tact when dealing with management, staff, members, and vendors
• Participates in all necessary Credit Union meetings, training sessions, community events and covering other branches as needed
• A significant level of trust and diplomacy is required to be an effective subject matter expert in the position. In-depth dialogues, conversations and explanations with customers, direct and indirect reports, and outside vendors of a sensitive and/or highly confidential nature is a normal part of the day-to-day experience. Communications can involve motivating, influencing, educating and/or advising others on matters of significance

Other Skills:

• Ability to perform basic and complex financial calculations
• Ability to interpret policies, procedures, regulations, and laws as it pertains to areas within your responsibility
• Ability to solve complex problems by using your resources to make an informed decision
• Understanding and knowledge of Credit Union operations, business practices, products, services, service promises and goals
• Ability to proficiently read and write in English
• Knowledge of grammar, punctuation, and spelling rules
• Ability to work under pressure with flexibility
• Detail-oriented with the ability to coordinate a variety of activities and projects and simultaneously prioritize tasks and meet deadlines with minimum supervision
• Must be a self-starter with the ability to perform detailed work accurately. Works well independently, as well as a team player
• Ability to apply common sense understanding to carry out detailed but involved written or oral instructions
• Knowledgeable of computer systems and all Microsoft products
• Using Windows in a network environment

Physical Requirements (approximate percentage of day spent)

Standing- 10%

Sitting- 60%

Bending-3%

Squatting- 1%

Walking- 20%

Lifting- 3% 5-15 lbs

Twisting-2%

Driving- 1%*

* Traveling may be required

Extent of Public Contact

This position works extensively with our members, both internal and external, primarily in person and via the telephone.

Working Conditions

Mental and/or Emotional Requirements:

Must be able to perform job functions independently or with limited supervision and work effectively either on your own or as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with all types of personalities from diverse cultures at various levels within and outside the organization and demonstrate the highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure with the stress of deadlines and requirements while maintaining extreme accuracy and quality in a fast-paced environment. Must be capable of exercising the highest level of discretion on both internal and external confidential matters.

Working Conditions:

Duties performed are in a branch office environment.