Loan Specialist

At Copper Basin Federal Credit Union, lending is about more than approving loans, it’s about listening to our members, understanding their needs, and helping them find the right financial solutions for their lives.

We’re looking for people who are passionate about helping others, building relationships, and making a real difference through lending. If you love problem-solving, empowering people, and being part of a team that puts members first, we’d love to meet you!

✨ Paid training to help you succeed
✨ Career growth opportunities
✨ Competitive pay & benefits
✨ Paid time off
✨ A supportive workplace where people truly matter
✨ Opportunities to earn paid incentives

Whether you're helping someone purchase their first vehicle, reach a major milestone, or find a financial solution that fits their needs, you have the opportunity to make a lasting impact, one member at a time.

Come grow with a team that believes lending is about more than numbers. It's about people, possibilities, and helping our community move forward.

100% of our team would recommend Copper Basin as a great place to work.

That's more than a statistic, it's a reflection of the culture we're committed to building every day.

About the position:

Lending – Non-exempt position
Reports to: Branch Manager

Position Purpose: This position supports both consumer and real estate lending functions throughout the loan lifecycle, including loan servicing, post-closing maintenance, and mortgage loan processing. Responsibilities include ensuring loan documentation and collateral records are accurate and compliant with Credit Union policies, state and federal regulations, and investor requirements. This position operates independently within assigned responsibilities and serves as backup support for lending functions during absences or overflow situations.

Job Responsibilities

OVERVIEW:
Loan Servicing Responsibilities

• Ensure closed loan files meet all regulatory and internal compliance requirements.
• Complete weekly quality control (QC) reviews on funded loan files to ensure documentation accuracy and compliance.
• Track and report all paid-out loans daily.
• Pull paid loan files and release liens or mail titles to members, dealers, or designated recipients in a timely manner.
• File and record liens on collateral including MV1s, UCCs, and security deeds.
• Track, maintain, and perfect collateral titles in compliance with Credit Union standards.
• Maintain collateral protection insurance coverage and process related adjustments, refunds, or reimbursements.
• Manage ancillary products including GAP, warranties, credit life, and disability insurance claims and cancellations.
• Process loan maintenance requests including extensions, due date changes, fee reversals, and payment adjustments.
• Provide financial counseling and guidance to members regarding credit and financial management.
• Support operations across branches as needed and assist with all post-closing duties.
• Serve as backup support for lending functions during absences or overflow situations.
• Participate in training, cross-training, and ongoing professional development.

Mortgage Loan Processing Responsibilities

• Review and process mortgage loan applications and conduct loan interviews with members when necessary.
• Answer member questions regarding real estate loan products and rates.
• Gather and assess financial information to determine loan qualifications.
• Provide required disclosures for fixed- and variable-rate loans.
• Calculate closing costs and prepare estimates for members.
• Verify employment, deposit accounts, liabilities, and other required information for loan processing.
• Order and review credit reports to evaluate applicant's creditworthiness.
• Process first and second mortgage loans, including open-end and closed-end products.
• Perform preliminary loan file reviews including title reports, flood determinations, appraisals, and hazard insurance binders.
• Order title work and coordinate with attorneys or third parties as needed.
• Prepare complete and accurate closing packages and ensure timely loan closings.
• Establish repayment terms and interest schedules according to loan guidelines.
• Ensure loans are accurately processed and maintained within the core system.

Requirements

• High School Diploma or equivalent required.
• Experience in a financial institution is preferred.
• Familiarity with lending policies, procedures, and compliance requirements preferred.
• Strong commitment to the Credit Union’s mission and member service standards.
• Basic knowledge of Credit Union products and services.
• Proficiency in Microsoft Office programs and lending systems.
• Strong organizational, time management, and multitasking skills.
• Ability to work independently and complete tasks accurately with minimal errors.
• Strong communication, problem-solving, and interpersonal skills.
• Ability to maintain confidentiality and safeguard member information.
• Demonstrated professionalism, integrity, flexibility, and teamwork.
• Willingness to learn, adapt, and support departmental goals and culture.

Job Type: Full-time

Pay: $41,000.00 - $49,000.00 per year

Benefits:

• Dental insurance
• Health insurance
• Life insurance
• Paid time off
• Professional development assistance
• Retirement plan
• Tuition reimbursement
• Vision insurance

Application Question(s):

• Are you willing to work every other Saturday from 8:30-12?

Experience:

• lending: 1 year (Preferred)

Ability to Commute:

• Copperhill, TN 37317 (Required)

Ability to Relocate:

• Copperhill, TN 37317: Relocate before starting work (Required)

Work Location: In person

Salary : $41,000 - $49,000