Consumer Loan Officer L

3 weeks ago

Arcadia, United States Foothill Credit Union Full time

Description:
**Position**: Consumer Loan Officer I (CLO I)

**Salary Range**: $24.18 to $36.27

**Description**

Founded in 1958, Foothill is a not-for-profit, member-owned, $720 million-strong cooperative financial institution serving more than 30,000 members. We focus on providing quality member service to our 300+ SEGs, including six hospitals, fourteen school districts, two colleges, seventeen private schools, businesses, and municipalities in the San Gabriel Valley.

Serving our members with excellence and _exceeding expectations_ is at the forefront of our business, and we can happily share that Foothill has been ranked a five-star financial institution by Bauer Financial. Bauer only recommends institutions with four
- and five-star ratings. We are amongst the highest of our peers.

Foothill Credit Union is a community advocate and strives to partner with other businesses and organizations dedicated to community involvement. We often participate in events and fundraising efforts benefiting the schools and organizations we serve to give back to our members and community.

**Awards**

CUNA 2021 Member Benefits Top Performance for delivering a direct benefit of $690 per member household.

**Benefits**:
We offer a competitive compensation package, including benefits such as health, dental, and vision insurance, vacation time off, retirement plans, and professional development opportunities.

Health Insurance Coverage (Medical, Dental, and Vision)

401(k) Plan with dollar-for-dollar match (up to 6%)

Profit-Sharing Plan

Flexible Spending Account

Life and AD&D Insurance

Paid Time-Off Program

Educational Reimbursement Program

Paid Holidays

Special Recognition Programs

Referral Program

Foothill Credit Union is an Equal Opportunity Employer and does not discriminate against any team member or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity, status as a veteran, and basis of disability or any other federal, state, or local protected class.

**Essential Duties and Responsibilities**:Additional functions and requirements may be assigned by supervisors as deemed appropriate.

**85% Loan Officer Duties and Responsibilities**:

- The ability to handle complex loan decisions.
- Manage dispersal of Meridianlink workflow and Queues.
- Make informed lending decisions based on the credit union's lending policies, regulatory requirements, and risk tolerance.
- Collaborate with loan processors, branch team, and other stakeholders to gather additional information and insights for complex or borderline cases.
- Ensure compliance with federal and state lending regulations, credit union policies, and industry best practices.
- Identify potentially fraudulent activities and take appropriate actions to mitigate risk.
- Participate in ongoing training to stay updated on industry trends, regulations, and underwriting guidelines.
- Assist in developing and refining credit policies, underwriting procedures, and risk assessment models.
- Communicate effectively with internal teams to provide insights, share decisions, and contribute to the overall loan processing workflow.

**15% Auto Loan Buyer Duties and Responsibilities**:

- Evaluate dealership-submitted applicants' financial information, credit history, and debt-to-income ratios to determine creditworthiness, incorporating insights from dealer referrals to streamline underwriting.
- Utilize expertise in indirect lending practices and CUDL to efficiently underwrite auto loans, collaborating closely with auto dealerships to expedite approvals and ensure a seamless member experience.
- Develop and maintain strong relationships with auto dealerships, liaising between dealerships and the credit union to foster mutual trust and collaboration.
- Identify opportunities to expand the credit union's auto loan portfolio by engaging with new and existing dealer partners, negotiating favorable terms, and promoting lending products and services.
- Monitor the credit union's auto loan portfolio, analyzing performance metrics and identifying growth opportunities while staying informed about market trends and competitor offerings.
- Provide exceptional customer service to members and auto dealerships, addressing inquiries, resolving issues, and ensuring a positive experience throughout the loan process.
- Update and review Quarterly Dealer Scorecards and review with department management.

**Requirements**:
**Experience/Education**:

- A minimum of 3 years of experience underwriting auto and consumer loans, strongly emphasizing developing and maintaining relationships with auto dealerships.
- Extensive knowledge of indirect lending practices, including familiarity with platforms like Credit Union Direct Lending (CUDL) and a proven ability to navigate complex lending processes.
- Excellent analytical skills and attention to detail, with the ability to assess credit risk and make sound lending decisions in a fast-pac

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