Loan Officer

Job Description

Loan Officer / Member Experience Specialist IIIAbout the RoleWe're seeking a motivated financial professional who is passionate about helping members achieve their goals. As a Loan Officer / Member Experience Specialist III, you'll guide members through consumer lending and account-opening processes while delivering exceptional service across phone, online, video, and in-person channels.In this role, you'll evaluate loan applications, open new memberships, identify financial solutions, and build strong relationships that enhance the member experience.What You'll DoMember Service & Relationship Building

• Serve as a primary point of contact for member inquiries by phone, online, video banking, and in person.
• Provide prompt, professional service while resolving questions and identifying opportunities to meet members' financial needs.
• Educate members on Credit Union products, services, and digital banking solutions.
• Build relationships through outbound and follow-up communications.

Lending & Loan Processing

• Receive, process, and fund consumer loans, credit cards, and Home Equity Line of Credit (HELOC) applications.
• Review applications, verify documentation, calculate income, and ensure compliance with lending policies and regulations.
• Coordinate loan closings and explain loan terms, payments, and related documentation.
• Assist members with ancillary products such as debt protection, GAP coverage, and extended warranties.
• Communicate with members, dealers, and internal teams to ensure a smooth lending experience.

New Accounts & Membership Growth

• Open and maintain new membership and deposit accounts through both remote and in-person channels.
• Ensure account documentation is accurate, complete, and compliant.
• Recommend products and services that support members' financial goals and contribute to branch growth.

Operations & Team Support

• Maintain accurate records, audit documentation, and complete required reports.
• Support process improvement initiatives and contribute ideas to enhance efficiency and member service.
• Collaborate with team members and departments to achieve organizational goals.
• Maintain a secure, organized, and professional work environment.

Our CultureWe live our Culture Codes every day:

• Humanness - We stay positive, authentic, and make work enjoyable.
• Resourcefulness - We solve problems creatively and adapt to challenges.
• Learning - We continuously grow and improve together.
• Togetherness - We build strong relationships and support one another.
• Serving - We proactively help our members and teammates succeed.

What We're Looking ForRequired

• High school diploma or equivalent
• 1-3 years of experience in a financial institution
• Experience with consumer lending, account opening, or member service functions
• Strong communication, organizational, and relationship-building skills
• Ability to manage multiple priorities while maintaining accuracy and attention to detail
• Proficiency with business software and financial systems

Preferred

• Knowledge of consumer lending and new account procedures
• Understanding of Credit Union operations
• Sales, referral, or business development experience

Success in This RoleSuccessful team members consistently deliver exceptional member experiences, process loans and accounts accurately, meet lending and referral goals, maintain compliance standards, and contribute to a collaborative, high-performing team culture.
For recruiting purposes, I'd also consider renaming the position to something more marketable, such as:

• Consumer Loan Officer & Member Experience Specialist
• Member Experience & Lending Specialist
• Consumer Lending Specialist
• Relationship Banker / Loan Officer (if competing with banks for talent)
• Senior Member Experience Specialist - Lending & New Accounts