Loan Originator

2 weeks ago

Grand Rapids, United States Adventure Credit Union Full time
Job DescriptionJob DescriptionDescription:

Adventure Credit Union has been providing financial services to their members for over 80 years and are continuing to grow to meet their members changing needs. As one of the Best & Brightest Companies To Work For In The Nation, we strive to recruit and retain ambitious and talented individuals by continuous development, support, and appreciation. We currently are looking to add a full time Loan Originator to our Consumer Lending Team


The primary purpose of this position is to enhance member service by assisting members with loan inquiries/requests and matching their needs to Adventure Credit Union loan solutions while maintaining a high level of service and confidentiality. The Loan Originator is responsible for interviewing applicants, discussing features and benefits of loan products, appropriately cross selling any complementary loan services or products and relaying denied loan requests to the member. Positively supports Adventure Credit Union’s brand and promotes a service culture consistent with the credit unions’ mission, vision, core beliefs and goal of being a Trusted Financial Guide.


Responsibilities include, but not limited to:

  • Work to create a flawless member experience with members of your direct team, putting the member first and foremost with everything that is done. Manage communication and member relationships professionally. Identify member needs and opportunities through conversations.
  • Educates and assists members with current rates, payment calculations, blue book values, and loan options for consumer and home equity loans. Contributes to the growth of our loan portfolio through conversations with current and potential members while assisting them on their financial journey. Assists with loan payoffs and additional lending services offered by the credit union.
  • Interviews credit applicants, evaluates credit scoring and sends recommendations on loans within the lending guidelines established by the Board of Directors. Works with Central Lending to ensure a good understanding of documentation required on consumer loans, home equities, VISAs and lines of credit. Discusses loan approvals, denials, counter-offers and alternatives with members in a positive manner.
  • Accurately prepares all loan documentation prior to closing; inputs on system.
  • Answers questions/requests, interviews, processes, prepares documents, disburses and closes loans, VISAs and lines of credit. Prepares, sends and processes notifications to members.
  • Verifies and documents all collateral offered as security.
  • Follows up on information requests, pre-approvals, payroll transfers, order payment books, perfect liens, and record documents via phone and mail.
  • Responsible for accuracy, follow-up and maintenance of all types of accounts on core computer system.
  • Continuously and effectively cross-sells all products and/or services, answers member inquiries, educates members, resolves disputes, and performs a wide variety of other lending transactions.
  • Analyzes and resolves non-routine problems and account adjustments.
  • Follows established credit union policies and procedures.
Requirements:

Minimum Job Requirements:

  • Associate’s Degree or completion of specialized course of study at a business or trade school, or equivalent combination of education and work experience.
  • A minimum of two (2) years of experience originating consumer and home equity loans.
  • One (1) year working in a financial institution.
  • Must obtain, maintain and disclose an NMLS registry ID number in accordance with the SAFE Act.

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