At Redwood Credit Union we are on a journey to re-imagine the way we do business, and we can’t do it without you - our next great hire.

Since 1950, Redwood Credit Union has been helping people reach their financial goals and dreams with a focus on helping others. As a not-for-profit financial institution, our passion is for helping our Members meet their financial needs, whether it’s through better rates, low or no fees, or expanded services.

That people-first approach holds true for our employees, too. Our work environment is built on service and trust. It's all possible with a leadership team committed to hiring talented people and helping them develop their careers.

Redwood Credit Union is looking for a Consumer Loan Funder II who will support RCU’s lending departments and is primarily focused on the documentation and funding of Consumer Loans. By working individually and as part of a team, the funder prepares loan documents, organizes, and audits the consumer loan file to ensure an accurate and expeditious loan closing, while providing a superior Member experience. The Consumer Loan Funder II has comprehensive skills in reviewing all consumer loan types including applications that are complex in nature. The Consumer Loan Funder II functions at a higher level of production and will be available to assist with the training and development of newer team members.

Essential Functions

Funding Loans

• Responsible for the timely and accurate coordination, processing, and funding of all loan applications, including reviewing and interpreting underwriting conditions.

• Receive funding packets as assigned by department and manage funding from the various incoming channels.

• Analyze Loan approval conditions in loan origination system (LOS). Verify the accuracy and integrity of all loan data entered into the system including but not limited to Membership, names, addresses, government monitoring information, loan information (i.e. loan amount, interest rate, terms, KBB/NADA/Black Book/MSRP information, income, etc.)

• Manage and continue to maintain all data and updates within the LOS throughout the funding process.

• Ability to assist with and answer DMV titling questions of moderate complexity to ensure RCU’s lien is appropriately perfected, and the Member understands expectations.

• Communicate and follow-up with Members/vendors regarding loan status and request and manage the timely return of required documentation needed to fund loan.

• Ability to discuss loan options and programs with Members and vendors to ensure quality Member service.

• Identify cross sell opportunities that will benefit Member.

• Analyze credit report and credit applications to ensure credit requirements and loan policies are met.

• Verify Members income by paystubs and or analyze personal and business tax returns to ensure income and loan policy requirements are met.

Lending Support

• Utilize queue management system, within LOS, in conjunction with Loan Officers to ensure high quality Member/vendor service.

• Propose new or improved processes that will improve current file flow within the Consumer loan process.

• Provide exceptional service to all Members, volunteers, internal employees, and vendor.

• Assist with lending department phone coverage, answering calls from Members, Branch staff and dealers.

• Review and complete lending reports as needed or assigned.

Other Functions

• Provide general assistance in completing higher level tasks or projects.

• Research and resolve Member or team member concerns as directed.

• Compose and type general correspondence including emails, letters, memo communication for staff, vendors and Members.

• Represent RCU in a courteous and professional manner at all times.

• Perform special projects and other duties as assigned.

Minimum Qualifications: Knowledge, Skills and Abilities

• Thorough knowledge in the use of Internet-based loan origination software.
• Knowledge of lending principles, practices, rules, regulations, and sales.
• Ability to calculate more complex income from paystubs, tax returns and or business returns.
• Advanced knowledge of compliance requirements.
• Skill in the operation of personal computers and general office equipment.
• Ability to communicate effectively both verbally and in writing.
• Ability to recognize and report any problems or concerns with specific loan applications, processes, or procedures.
• Ability to manage workflow and delegate work to others as needed.
• Ability to establish and maintain effective working relationships with a diverse group of people including vendors and other Credit Union team members.
• Ability to act independently and confidentially, using discretion and tact.
• Ability to analyze situations and recommend workable solutions.
• Ability to coordinate a variety of activities simultaneously and prioritize work.
• Ability and desire to work in and contribute to a team environment.
• Ability to work a rotating schedule which will include working on rotating Saturdays.

• Ability to stand, bend, stoop, sit, walk, twist and turn.
• Ability to lift up to 20 pounds.
• Ability to use a computer keyboard and calculator.
• Work environment is indoors; majority of the time is spent sitting at a desk.

The ideal candidate has a combination of education and experience equivalent to a high school diploma, plus a minimum of four years’ experience in the lending industry or closely related field.

Compensation: Base starting range: $25.00 to $33.00 per hour commensurate with experience.

Our base salary starting range is based on scope and responsibilities of the position, candidate's work experience, education/training, key skills, and internal peer equity. We offer a competitive total rewards package including a wide range of medical, dental, vision, financial, and other benefits.

Redwood Credit Union offers a robust benefits package to our eligible employees including:

·Competitive medical, dental, and vision insurance, mental health offerings

·Employee performance incentive plan

·Salary Advancement– Merit increase based on performance

·401(k) program with employer match

·Time Off- Competitive PTO accrual plus 11 paid company holidays and your birthday off!

RCU Discounts and Perks-

- RCU employees are eligible for a .75% discount off RCU standard collateral auto loans

- RCU employees are eligible for a 1% discount on all recreational or boat loan products

- 2% discount off Visas and LOC Loans through RCU

- 0% interest on garment, fitness, or home office equipment loan of up to $500

- 100% financing for employee purchased homes!

Why work for Redwood Credit Union?

·Local financial institution, providing unparalleled service since 1950

· Recognized by Newsweek as one of "America's Best Credit Unions 2024"

·Top 5 Healthiest Credit Union in the USA, rated by Glatt Consulting

·Voted Best Places to Work in the North Bay 18 years in a row

·World-class employee engagement scores

·Rated Superior in Service by more than 90% of Members, surveyed by SF Gate

·Recognized by Forbes as one of “America’s Best Small Employers 2023"

Internal Team Members

If you are a current Team Member, please apply through the internal careers page located in RCUNET.

We are an Equal Opportunity Employer