Senior Loan Officer

REPORTS

Chief Operations Officer

CLASSIFICATION

Hourly; Non-exempt

STATUS

Full-time DATE November1, 2026 Position Summary The Senior Loan Officer manages consumer lending fromapplication through closing, including evaluating creditworthiness, counselingmembers, documenting decisions, coordinating approvals, ensuring compliantdisclosures,andprotectingKoinCreditUnion’sassets.Thepositionsupportsefficientloanproduction,member service, and lending operations inaccordance with approved policies and delegated authority. Essential Job Functions Interviewapplicants, assesscreditneeds, obtainauthorizedcreditreports, and evaluateapplicationsinvolving varying levels of complexity and risk. Underwriteloansusingdocumentedincome, repaymentcapacity, debtobligations, credithistory, collateralvalue, applicable loan-to-value standards, and the current loan rate sheet; apply the policy’s 50% debt-to-income guideline with appropriate judgment. Guidemembersthroughcompleteapplications, requiredverifications, supportingdocuments, andtimelyfollow-up; maintainaccurate loan worksheets and files for approvals and denials. Approvesqualified loans and establishes credit limits under supervisory direction according to the loan policies. Identifyappropriateadditionallendinganddepositopportunitiesbasedonmemberneeds; usecreditreport informationonly for permissible purposes and follow applicable privacy and fair-lendingrequirements. Communicatedecisions promptly and respectfully; prepare and deliver requiredadverse-action and incomplete-applicationnoticeswithinapplicabledeadlinesandreferdenialsformanagementreviewconsistentwith policy. Prepareand review accurate notes, contracts, pricing, disclosures, fees, and signatures; verify all conditions are met before funding and coordinate independentdisbursement by a authorizedemployeeotherthantheapproving officer. Protectconfidential member information, maintain secure and complete loan records, follow information-security procedures, and disclose potential conflicts of interest. Monitortheloanpipeline, outstandingdocumentation, lienandinsuranceexceptions, fundingstatus, and reportingaccuracy; support delinquency and collection follow-up withinassigned responsibilities. Follow the creditunion’s applicationandcredit-reportcurrencystandards, permissible-purposerequirements, segregationof duties, and escalation procedures; assist with internal reviews and auditfindings. Assistmanagementwithimplementation,testing,documentation,andstafftrainingforapprovedloanproducts, procedures, and systems. Conductprofessionaloutreachtoexistingandprospectivememberstosupportresponsibleloangrowth, member retention, and community relationships. Coordinatelienrecordingandperfection, titletracking, collateralvaluation, requiredinsuranceandloss-payee verification, and relevant bankruptcy or collection documentation; escape legal matters to management. Maintain required licensing or registration, including NMLS registration where applicable to assigned residential mortgageoriginationduties; followSAFEAct,TILA/RegulationZ,ECOA/RegulationB,FCRA,HMDAwhereapplicable, and other relevant requirements. Monitorlocallendingconditions, competitorpricing, andproductperformance; recommendimprovementsto management without independently changing approved rates or policies. Performotherrelatedlending,servicing,andoperationaldutiesasassigned, consistentwithtraining, controls, and delegated authority. Qualifications High school diploma or equivalent Bachelor’sdegree in a related field preferred 5+yearsoflendingandcomplianceexperience required 5+yearsofgeneralcustomerserviceexperience required Previous credit union experience preferred Abilitytomulti-task,organize,prioritize,andmeet deadlines accurately with a sense ofurgency Abilitytoremaincalmunderpressure,especiallyduring peak hoursor intense situations Creativeandflexibleproblemsolver;excellent partnering,interpersonal, and coaching skills Ability to maintain a high level ofconfidentiality, excellent organizational skills, and attention to detail Demonstratedexcellenceinoralandwritten communication Abilitytobuildstrongrelationshipsandcredibilitywithall teammembers and credit union members Ability to work independently or in teams as required Highly organized and self-motivated Abilitytomanageseveralloanapplications simultaneously Always demonstrates a polite and professional attitude Proficiencywith loan origination systems, core processingplatforms,creditbureautools,electronic document workflows, andMicrosoft Office Some local travel may be required Competencies Consumer Lending, underwriting and credit union operations - Advanced Pipeline management and prioritization - Advanced Member service and collaboration - Advanced Loan Systems and documentation - Intermediate to Advanced Credit analysis and problem solving - Advanced Compliance, controls and attention to detail - Advanced Written and verbal communication - Advanced Physical Demands and Work Environment Thephysicaldemandsdescribedherearerepresentativeofthosethatmustbemetbyastaffmembertosuccessfully perform the essentialfunctions of this job. Reasonable accommodations may be made to enableindividuals with disabilities to perform the essential functions. Whileperformingthedutiesofthisjob,theemployeeisregularlyrequiredtostand,sit,talk,hear,andusehands and fingers to operate a computer, reach, stoop, and kneel. Light to moderate lifting of up to 25 pounds is required. Theworkenvironmentcharacteristicsdescribedherearerepresentativeofthoseencounteredwhileperformingthe essential functions of this job.Reasonable accommodations may be made to enable individuals with disabilitiesto perform the essential functions. #J-18808-Ljbffr Koin Credit Union