In order to be considered for this position, you MUST apply on Paylocity at the following link: https://recruiting.paylocity.com/recruiting/jobs/All/b9944418-e383-4000-853f-3d5b60a36394/Westby-Coop-Credit-Union.

Solicitation, analysis and coordination of approving or denying credit to members. Also provide members with products or services that are associated with their lending needs. These are done in accordance with Westby Co-op Credit Union policies and procedures.

Principal Duties and Responsibilities:

• Contacts members throughout the loan decision process to gather background information on applicants by interviewing and obtaining credit bureau reports, determines if the member qualifies for a loan or if additional collateral/ co-signors are needed, verify member’s signature on loan documents, and approve or deny loan requests.
• Calculates debt-to-income ratios on loan applicants, estimates monthly obligations, and determines member’s ability to repay debt along with securing collateral when necessary. Records and verifies all reasons for decision. Explains decision to members and outlines terms, fees, and conditions of the loan.
• Offers ancillary products to members when appropriate, including Debt Protection, GAP Insurance, and Extended Warranty coverage.
• Demonstrates a helpful, polite, friendly attitude along with providing exceptional member service.
• Responsible for following up on delinquent loan accounts, insurance needs and other issues that may arise.
• Follows procedures for loan documentation and maintains orderly files on each account with complete and accurate detailing of all correspondence.
• Keeps abreast of changes in consumer, commercial, business, and agricultural lending trends as they apply.
• Other job-related duties as may be necessary to carry out the responsibilities of this position.

Work Relationships and Scope: Consumer Loan Officers report directly to the Retail Loan Department Manager. Has direct contact with members and all other support staff directly associated with consumer loans. Due to the nature of the position, will work with almost all employees at WCCU.

Performance Dimensions:

• Provide outstanding service to members through excellent communication and thoroughly understand relevant issues and the administrative processes involved in choosing a proper course of action.
• Ability to attend to numerous details with frequent interruptions under the stress of maintaining courteous, effective, and timely relations with a variety of individuals and personalities while keeping lending duties assigned a priority.
• Promotes quality, accuracy, timeliness, reliability, and thoroughness of work performed.
• Is punctual, flexible, reliable, and exhibits a friendly and helpful attitude while maintaining all information as confidential according to our policy.
• Possess ability to gain the trust and respect of members, management, employees, and outside business contacts while maintaining a positive, professional working relationship
• Enhances job growth through continuing education, as required or necessary.
• Coordinates schedule with Branch Manager of work locations.
• Professional, well-developed interpersonal skills essential for interviewing loan applicants and projecting a positive image as a representative of the Credit Union.

Knowledge, Skills and Abilities Required:

Education/Training: High school diploma or equivalent required. Post-secondary education preferred.

Experience:Customer Service of 3 years or more. Banking or Credit Union experience preferred but not required.

Skills and Abilities:

• Ability to learn and apply current financial service industry standards, laws, and regulations.
• Excellent communication skills, proficient writing, and verbal ability to effectively respond to members and co-workers.
• Ability to work under the stress of dealing with a wide range of personalities and monitoring and reviewing the many details of loans to ensure completeness and accuracy.
• Proficient operation of a variety of general office equipment such as PC, software applications, typewriter, copier, calculator, telephone, copy machine, fax machine and other similar devices or programs.
• Comprehend consequences of various situations and refer them to the appropriate staff for resolution.
• Manage personal workflow and meet deadlines by being organized, detailed and task oriented.
• Ability to meet attendance standards and work overtime hours as requested and approved.
• Ability to add, subtract, multiply and divide accurately.
• Ability to understand and follow safety/security practices.

Job Type: Full-time

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Employee assistance program
• Flexible spending account
• Health insurance
• Life insurance
• Opportunities for advancement
• Paid time off
• Parental leave
• Referral program
• Retirement plan
• Vision insurance

Schedule:

• 8 hour shift
• Day shift

Work setting:

• In-person

Work Location: In person