Consumer Loan Officer

Job Description

Job Description

CCCU is looking for a Consumer Loan Officer to evaluate, authorize and deny consumer loan applications for consumers. You will act as a liaison between members and our credit union, helping identify the products and services that best support their financial success. You will assist qualified applicants in acquiring loans in a timely, accurate, courteous and confidential manner. This position is not commission-based or incentive-based, allowing you to focus on providing members with the lending solutions that best meet their needs.

Responsibilities

• Evaluate credit worthiness by processing loan applications, evaluating credit reports and providing documentation within specified time limits
• Interview applicants to determine financial eligibility and feasibility of granting loans
• Determine all applicable ratios and metrics and set up debt payment plans, GAP, MRC and other loan related services
• Assess member needs, explore all options, introduce different types of loans, and cross-sell products and services to accomplish company and department goals
• Go the ‘extra mile’ to build relationships, and enhance member loyalty and satisfaction throughout the underwriting process
• Operate in compliance with laws and regulations, including Bank Secrecy Act (BSA) policies and procedures, and adhere to lending compliance guidelines
• Other responsibilities as assigned

Skill

• 4-year degree or some college preferred.
• 2+ years’ experience Credit and/or Consumer Lending experience in a bank or credit union
• 2+ years’ customer service experience with an ability to cross-sell products and services
• Solid understanding of consumer credit and underwriting, including knowledge of Consumer and Home Equity lending in a Centralized Lending environment
• Familiarity with computers and banking applications/software, including MS Office and in-house data processing systems
• Excellent communication and interpersonal skills
• Ability to work in a goal oriented environment with good organizational skills and accuracy while maintaining a positive attitude

Benefits:

• Health, dental and vision insurance
• Health Savings/ Flexible Spending accounts
• 401(k) and pension plans
• Life insurance and supplemental insurance
• Paid time off out of the office – Vacation time, Sick time and Paid Holidays
• Employee referral program
• Plus much more!