Consumer Loan Officer

5 days ago

Beaumont, United States Education First FCU Full time
Job DescriptionJob Description

Role

The Consumer Loan Officer underwrites member loan applications received by the Credit Union or referred from other credit union staff. This position screens member application packages to determine acceptability of the loan application requests based on the credit union’s lending guidelines. The Consumer Loan Officer demonstrates a highly motivated, positive and influential personality with a strong emphasis on sales to ensure the Credit Union maximizes lending opportunities for members applying for credit. The Consumer Loan Officer must demonstrate the ability to think independently, by effectively responding to each individual member’s unique situation. Must command a thorough knowledge of the lending process from application submission to closing to ensure maximum funding rates. Is fully knowledgeable of all Credit Union products and services and is able to confidently offer appropriate solutions to fit member needs. Must clearly and effectively communicate with members and staff both orally and in writing and is proficient with applicable technology.

Major Duties and Responsibilities

  • Ensure that each approved application meets the Credit Union’s lending standards. The Consumer Loan Officer will approve loans within the limits of the pre-approved lending authority. Applications falling outside of their authority may be referred to the Loan Supervisor or Vice President of Lending for exception approval.
  • The Consumer Loan Officer is competent in required job skills and knowledge, exhibits the ability to learn and apply new skills; is well versed in all consumer loan regulations; keeps abreast of current developments and requires minimal supervision. Demonstrates responsibility for providing timely and accurate responses and decisions to internal and external members. Accurately and efficiently performs member requests. Willingly accepts and embraces constructive coaching and feedback as needed. Assesses own strengths and weaknesses. Schedules time off in advance and avoids unscheduled absences. Demonstrates the ability to excel in a high stress environment and is able to meet goals and deadlines. Demonstrates persistence and overcomes obstacles to maintain above average closing ratios.
  • Views situations from the member’s perspective to effectively respond to their needs and concerns; often going beyond the initial need or expressed concern. Follows up to make sure the member’s expectations have been met or exceeded. Explains recommendations, products and services in ways members can easily understand. Demonstrates patience, respect and empathy when dealing with difficult member’s complaints. The Consumer Loan Officer is responsible for maximizing opportunities to sell EFFCU products and services to benefit member and enhance the quality and depth of the member relationship and profitability.
  • Manages workflow to ensure excellent service to members at all times. Routes loan applications with decision to appropriate staff for follow-up. Document adverse actions as needed and prepare systems to produce denial letters.
  • Responsible for loan quality in the loan portfolio. Reviews monthly loan maintenance reports.
  • Must be a motivated self-starter who measures self against standards of excellence. Actively and consistently seeks qualified opportunities to increase loan volume.
  • Must comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the Equal Credit Opportunity Act, the Federal Truth-in-Lending Act, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
  • Demonstrates the ability to excel in a high stress environment and is able to meet goals and deadlines.

Knowledge & Skills

High school graduate or equivalent. Financial related seminars or special training desired. Two to three years’ experience in lending, customer service, teller area, member service, or new accounts in a business or financial institution.

Interpersonal Skills

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 read, analyze, and interpret general technical procedures. Ability to write instructions. Ability to respond to individual members and the general public. Ability to collect data, establish facts and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical form. Ability to analyze and make decisions. Ability to calculate figures and amounts such as discounts, interest, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry. Must have a general knowledge of computer system and be able to operate computer terminals for member transactions.

Minimum Starting pay: $21.48

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