Indirect Loan Officer

The Indirect Loan Officer creates a remarkable experience consistent with our brand personality, core values, service promises, mission, and vision with all internal and external relationships. Responsible for reviewing, processing, and funding indirect loan packages received from approved dealerships. Ensures funding packages are complete, accurate, and compliant with credit union policies, procedures, and regulatory requirements. Works closely with dealership personnel to resolve funding conditions, prevent fraud, and ensure timely funding to maintain strong dealer relationships. Conducts post-funding outreach to applicants to introduce the credit union and build relationships. Communicate professionally and with compassion with all parties, including dealers, members, and internal staff.

• High School diploma or GED equivalent
• Previous lending or funding experience preferred
• Must be eligible for and be registered on the Nationwide Mortgage Licensing System as a Mortgage Loan Originator as part of the SAFE Act
• Must be eligible for and willing to be a Notary Public
• Must pass the Consumer Loan Policy test with a score of at least 95% within 90 days
• Must pass the Mortgage Loan Policy test with a score of at least 95% within 6 months

Interpersonal Skills:

• An energetic, forward-thinking, and professional individual with high ethical standards and a business-like manner and appearance
• Acquires and maintains a complete and thorough knowledge and understanding of all Credit Union products, services, and rates. Utilizes product knowledge, proven sales techniques, and other documents and direction to coach and foster the cross selling of all Credit Union products and services Maintains a high level of knowledge of credit union internal controls, compliance, laws, regulations, policies, and procedures related to indirect funding
• Ensures confidentiality in all areas and maintains the financial integrity of the credit union
• Ability to communicate professionally, courteously, and tactfully with management, staff, dealers, and members
• Participates in necessary credit union meetings, training sessions, and community events as needed
• Demonstrates a significant level of trust and diplomacy to be an effective subject matter expert in the position. In-depth dialogues, conversations and explanations with members, direct and indirect reports, and outside vendors of a sensitive and/or highly confidential nature is a normal part of the day-to-day experience.
• Communication can involve motivating, influencing, educating and/or advising others on matters of significance

Other Skills:

• Ability to interpret policies, procedures, regulations, and laws as they pertain to indirect lending and funding
• Ability to solve problems using available resources and sound judgment
• Detail-oriented with the ability to coordinate multiple funding packages simultaneously while meeting deadlines
• Self-starter who works well independently and as part of a team
• Proficient in Microsoft Office and credit union loan origination systems
• Ability to apply common sense understanding to carry out written or oral instructions
• Knowledge of dealership sales processes and their integration with credit union indirect funding operations

This position works extensively with dealership personnel, members, and internal staff, both on indirect and general loan matters, primarily via telephone, email, and electronic systems, with occasional in-person contact. Post-funding communication with members is conducted with professionalism and compassion.

Mental and/or Emotional Requirements: 

Must be able to perform job functions independently or with limited supervision and work effectively either on your own or as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with all types of personalities from diverse cultures at various levels within and outside the organization and demonstrate the highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure with the stress of deadlines and requirements while maintaining extreme accuracy and quality in a fast-paced environment.  Must be capable of exercising the highest level of discretion on both internal and external confidential matters.

Working Conditions:

Duties are performed in an office environment with periodic travel to dealerships as needed.

Salary : $21