What are the responsibilities and job description for the Consumer Loan Officer position at CITY & COUNTY CREDIT UNION?
CCCU is looking for a Consumer Loan Officer to evaluate, authorize and deny consumer loan applications for consumers. You will act as a liaison between members and our credit union, helping identify the products and services that best support their financial success. You will assist qualified applicants in acquiring loans in a timely, accurate, courteous and confidential manner. This position is not commission-based or incentive-based, allowing you to focus on providing members with the lending solutions that best meet their needs.
Responsibilities
- Evaluate credit worthiness by processing loan applications, evaluating credit reports and providing documentation within specified time limits
- Interview applicants to determine financial eligibility and feasibility of granting loans
- Determine all applicable ratios and metrics and set up debt payment plans, GAP, MRC and other loan related services
- Assess member needs, explore all options, introduce different types of loans, and cross-sell products and services to accomplish company and department goals
- Go the ‘extra mile’ to build relationships, and enhance member loyalty and satisfaction throughout the underwriting process
- Operate in compliance with laws and regulations, including Bank Secrecy Act (BSA) policies and procedures, and adhere to lending compliance guidelines
- Other responsibilities as assigned
Skill
- 4-year degree or some college preferred.
- 2 years’ experience Credit and/or Consumer Lending experience in a bank or credit union
- 2 years’ customer service experience with an ability to cross-sell products and services
- Solid understanding of consumer credit and underwriting, including knowledge of Consumer and Home Equity lending in a Centralized Lending environment
- Familiarity with computers and banking applications/software, including MS Office and in-house data processing systems
- Excellent communication and interpersonal skills
- Ability to work in a goal oriented environment with good organizational skills and accuracy while maintaining a positive attitude
Benefits:
- Health, dental and vision insurance
- Health Savings/ Flexible Spending accounts
- 401(k) and pension plans
- Life insurance and supplemental insurance
- Paid time off out of the office – Vacation time, Sick time and Paid Holidays
- Employee referral program
- Plus much more!