Consumer Loan Officer I

3 weeks ago

Harrison, United States mfcu Full time

Do you find joy in assisting members with their lending options and to achieve their financial goals? Would you enjoy building relationships and promoting financial wellness? Do you thrive in a fast-paced, collaborative environment? Members First Credit Union is seeking an enthusiastic Consumer Loan Officer to join our Harrison branch. Apply today and join us in our mission of encouraging a better tomorrow

We strive to create an atmosphere of belonging with no judgment, just opportunity. We are interconnected to each other, and when we embrace our true authentic selves, we are stronger. We will empower you to be the best version of yourself while helping you to flourish in work and life. Come join us to help create thriving communities

CONSUMER LOAN OFFICER I

Non-Exempt

Reports to: Branch Leader

Position Overview

The primary purpose of this position is to assist Members First Credit Union to deliver on its mission: To encourage a better tomorrow. To achieve this mission, the position must deliver on our brand promise: We believe in you. Our promise is to be trustworthy, caring, and enthusiastic to help you succeed. You will do this by living out our core values in every service contact to both internal and external members.

Essential Duties

  • Loan Authority Limits Secured 50k and Unsecured 10k
  • Answer questions effectively and provide information as requested
  • Review loan applications from members to determine feasibility of approving loan requests
  • Calculate debt ratios on applicants
  • Create opportunities for expanded member relationships by determining member needs for additional products and services
  • Approve loan requests for members who meet loan qualifications, or refer applications to the appropriate level as per the loan policy
  • Deny the loan application and prepare an adverse action letter as required by law for loan requests that do not fall within current lending guidelines
  • Prepare all documents pertaining to the loan
  • Secure all documents and signatures to perfect any liens, notes, and security agreements
  • Obtain proof of income from the member(s) when there is no current substantiation of income in file
  • Obtain proof of insurance on collateral, when applicable
  • Ensure that payment options have been discussed and documented
  • The ability to attain the Financial Counselor Certification (CCUFC) through CUNA within the first 6 months
  • The ability to attain State of Michigan Credit Producers License within 6 months
  • This position is an in branch/office role, must be available to work 8 a.m. to 5 p.m. M-F, Saturday coverage as needed, and some outside of normal working hours for meetings and/or education/trainings
Duties and Responsibilities

The following statements are intended to describe the general nature and level of work being performed by this position.It is not intended to be an exhaustive list of all duties, responsibilities and skills required of this position.Other duties may be assigned to meet business needs.
  • Quote total payment; including Protection Solutions package
  • Educate members on Protection Solutions package options
  • Participate and engage in monthly developmental coaching
  • General Sales Expectation
  • Successfully use effective Sales Champion skills and behaviors
  • Actively participate in Credit Union initiatives, promotions, and achieve assigned financial service goals
  • Build relationships with current and new members. Offer products and services that will help to fulfill their financial needs
  • Oversee the onboarding process that continues to build relationship with new members
  • Ensure members are being fully served
Other
  • Attend educational functions as required
  • Must have a good knowledge of all State and Federal laws governing the loan process
  • Must have a good working knowledge of all credit union services
  • Maintain certification of FICEP
  • Other duties that may be assigned from time to time
Qualifications and Expectations

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the expectations of the person performing this job.
  • Strive to exceed credit union, department, and personal goals
  • Understand deadlines and meet timelines that are set
  • Excellent typing and computer skills, including in-house email and core system, Word and Excel
  • Team oriented
  • Excellent listening, oral and written communication skills
  • Highly organized
  • Produce accurate work results
  • Maintain a high level of knowledge of credit union philosophy, products/services, policies and procedures
  • Maintain good knowledge of all State and Federal laws governing credit union operations (BSA, Patriot Act, Regulation CC, Regulation E, Truth in Savings, Truth in Lending, etc.)
  • Implement new procedures efficiently and effectively
  • Ability to work overtime, attend meetings, seminars and travel
  • Courtesy, tact, and diplomacy are essential elements of the job. Work involves personal contact with others inside and /or outside the organization generally regarding routine matters for purposes of giving or obtaining information, which may require some discussion
Physical Requirements

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
  • Move or transport items, equipment and tools up to 25 pounds.
  • Must be able to remain in a stationary position during work hours or must be able to remain at a workstation for long periods of time.
Work Environment
  • Must maintain a neat and orderly work area.
  • Routinely clean and disinfect work areas (i.e. teller stations, desk surfaces, phones, electronic equipment).
  • Protect the confidentiality of credit union staff and members by locking door or removing items from desk/workstation when away.
Education and Experience
  • Minimum high school graduate or equivalent
  • One to three years similar or related experience
  • A working knowledge of loan processing and credit analysis
  • Experience operating a personal computer
  • The ability to attain the Financial Counselor Certification (CCUFC) through CUNA within the first 6 months
  • Skills in Microsoft Word, Excel, and Outlook


Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)

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