Loan/Credit Processor

Job Description Summary: The Consumer Loan Officer provides a full range of products and services to members with an emphasis for acquiring, expanding, and enriching member relationships. The individual in this position must have knowledge of financial services and products including consumer & mortgage lending, deposit accounts, and all self-service products. The Consumer Loan Officer is directly responsible for the following:

• Interviewing, taking applications, gathering information, processing documentation, and decisioning consumer loan (Visa, Personal, & Vehicle) requests (within authority level).
• Counsels members regarding money management and financial matters including conducting credit report reviews. Cross-selling and referring members to Member Service Specialists, Mortgage Loan Officers, Wealth Management, or other business partners based solely on member needs.
• Executing the branch & credit union business plan as assigned, which includes playbook outbounds to members.
• Assumes Responsibility to develop and maintain quality member relationships.
• consistently educating members about their financial choices including convenient service options.
• Displays sound judgment in handling member requests and exceptions, seeking and documenting approval as needed.
• Interviews, takes applications, gathers information, and processes preliminary documentation on Business Loan requests.
• Serves as a backup for Mortgage Loan Officer. Gathers information and processes preliminary documentation on First Mortgage Purchase and Refinances when needed.
• Evaluates and verifies loan applications and credit criteria. Ensures that each loan is promptly and properly prepared, documented, processed, approved, and disbursed.
• Offers SunGuard payment protection, Guaranteed Asset Protection (GAP), and Mechanical Repair Coverage (MRC) coverage to members.
• Seeks additional lending opportunities within member profiles and credit reports. Creates and develops mutually beneficial solutions (Recaptures) for members and the Credit Union.
• Ensures that lending operations are conducted in accordance with established Credit Union policies and are legally compliant. Ensures that loan requests are properly documented.
• Assumes responsibility for the efficient, effective, and accurate performance of member service functions.
• Actively and professionally cross sells Credit Union services
• Utilizes member feedback to enhance service quality, creates equitable solutions, and increases member loyalty.
• Opens new and closes personal and business accounts.
• Opens new checking accounts.
• Opens, renews, performs maintenance on, and closes certificate accounts.
• Assists with collection efforts under direction of Branch Manager. Refers members to Collections department as necessary.
• running and operating cash drawer.
• opening, transacting (including withdraws, deposits, and transfers), and answering questions regarding Individual Retirement Accounts (IRAs) and Health Saving Accounts (HSAs).
• Executes areas of branch Cross Training Matrix as directed by management.
• Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. Education/Certification: High school graduate with required loan training and certification. Knowledge of Credit Union loan services, policies, and procedures. Understanding of related legal and regulatory standards (i.e. Understanding of the foundation of determining credit worthiness. Experience Required: Minimum three to five years of experience in credit and lending at a previous financial institution or one to three years of experience as a Member Service Specialist at Sun Federal Credit Union.

Displays a professional image and attitude that promotes Sun Federal’s brand and culture. Strong interpersonal and administrative skills. Strong PC skills with the ability to use and instruct others on Microsoft Windows, Word, Excel and Outlook; Branch Suite, Loans PQ, and related computer applications. Ability to operate other business equipment including calculators, typewriter, printer, telephone, and notary stamp. Must be fluent in English with excellent written and verbal communication skills. Demonstrated strong analytical, financial, and problem-solving skills within a retail environment.

Physical Activities and Requirements

Average Visual Abilities: Average, ordinary visual acuity necessary to prepare or inspect documents or products, or operate machinery.

Almost all office jobs.)

Working Conditions: No hazardous or significantly unpleasant conditions (such as in a typical office). Language Ability: Tuition Reimbursement, Promote From Within Philosophy, Professional Development, Work/Life Balance, Paid Vacation and Sick time, 11 Paid Holidays, Paid Paternity Leave, Weekends and Evenings Free, 401(k) with 6% Match, Employer-Paid Pension, Incentive Pay, EAP, Medical, Dental, Vision, Life, Long-Term Disability Insurance, Employer H.Contribution, Wellness Program and Rewards, Credit Union Membership, Financial Wellness Education

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