Find & Apply For Credit / Loan Counselor Jobs in Powers, Michigan

Full-Time Consumer Loan Officer Job Description Reports to:

Branch Manager FLSA Status:

Nonexempt Position Type:

Full-Time Hours:

All open hours

Overtime:

May be required Summary This position is responsible for delivering exceptional member service while efficiently managing a high volume of lending activities. Loan Officers take a personalized approach to understanding each member's unique financial circumstances and are committed to helping members achieve their financial goals through responsible lending solutions. The Loan Officer evaluates loan applications by analyzing credit reports, income, collateral, and other financial information to determine creditworthiness and make sound lending decisions in accordance with credit union policies and regulatory requirements. This role is responsible for accurately processing loan applications, maintaining complete and compliant loan documentation, communicating lending decisions, and responding promptly to member inquiries. In addition to originating loans, the Loan Officer identifies opportunities to strengthen member relationships by recommending products and services that best meet each member's financial needs. Success in this position requires strong analytical skills, attention to detail, sound judgment, and a commitment to providing an outstanding member experience. All employees are expected to support and demonstrate Integra First Federal Credit Union's mission: "Enhancing lives…one member at a time." Essential Functions and Responsibilities

• Deliver exceptional, professional, and courteous member service while efficiently managing a high volume of loan applications and member interactions.
• Interview members to understand their borrowing needs and educate them on available loan products, credit options, rates, terms, and repayment requirements.
• Accurately process loan applications, transactions, data entry, disclosures, and supporting documentation while maintaining attention to detail.
• Collect, verify, and review all required documentation necessary to evaluate and process consumer loan requests.
• Analyze credit reports, income, debt, collateral, and other financial information to assess creditworthiness and determine loan eligibility.
• Recommend loan protection products and other value-added services that help protect members and meet their financial needs.
• Clearly explain loan terms, rates, fees, repayment obligations, and required documentation to members.
• Build and maintain strong member relationships through exceptional service and proactive communication.
• Exercise sound judgment when making lending decisions within delegated lending authority and refer loans exceeding approval limits to the appropriate level of management.
• Communicate loan approvals, denials, counteroffers, and required conditions to members in a timely, professional manner while providing financial education as appropriate.
• Maintain strong working relationships with local automobile dealerships and other business partners to support loan growth and member service.
• Build and maintain a thorough knowledge of all credit union products and services to effectively identify opportunities that meet members' financial needs.
• Proactively recommend additional products and services that enhance member relationships and support the credit union's strategic goals.
• Research, resolve, and document member concerns, account discrepancies, and loan-related issues, escalating complex matters when appropriate.
• Detect and report suspicious or fraudulent activity, including counterfeit currency, altered checks, identity theft, and other fraudulent financial transactions, in accordance with credit union policies.
• Respond promptly and professionally to member inquiries received by telephone, email, digital channels, and in person.
• Utilize loan origination systems, core processing software, Microsoft Office applications, and standard office equipment to perform daily responsibilities efficiently.
• Manage an active loan pipeline by monitoring application status, obtaining outstanding documentation, and ensuring timely processing and funding of loans.
• Maintain accurate, complete, and compliant loan files while adhering to all applicable federal regulations, credit union policies, and internal procedures.
• Protect the confidentiality and security of member information at all times.
• Maintain regular and reliable attendance and be available to work all scheduled business hours.
• Participate in training and continuing education to maintain current knowledge of lending regulations, products, and industry best practices.
• Perform other duties and responsibilities as assigned by leadership. Core Skills and Competencies

Accountable:

Is dependable and completes work in a timely manner. Is regularly present and punctual and arrives prepared for work. Is committed to doing the best job possible and keeps commitments.

• Attention to

Detail:

Follows detailed procedures and ensures accuracy in documentation, data, and work. Organizes and maintains an appropriate and accurate system of records as necessary. Knowledge and proper application of techniques, skills, accepted practices, equipment, compliance, policies, procedures and technologies to accomplish duties.

Communication:

Delivers friendly, professional, and effective verbal and written communications. Maintains excellent interpersonal skills and honesty. Listens well, explains reasoning for opinions and decisions, invites discussion and feedback, asks questions when necessary, and exercises a professional approach with others. Uses consideration and tact at all times. Acts respectfully to coworkers and members.

• Computer skills: Basic computer skills, with the ability to learn new software applications in a timely manner.

Compassion :

Recognizing humanity in one another, responding with empathy, and taking thoughtful action that supports both the member and the success of the credit union.

Confidential :

Keeps confidential information confidential both internally and externally. Maintains member confidentiality inside and outside of the credit union. Regard as confidential any information relating to our members, our computer data and technology, security systems, and any other sensitive information. Demonstrates zero tolerance for gossip.

Credit Union Knowledge:

Expert in credit union products, services, consumer lending, and regulations.

Credible Advisor:

To proactively identify and recommend appropriate products and services to financially benefit the member.

Critical Thinking:

Ability to use logic and reasoning to identify strengths and weaknesses of alternative solutions, conclusions, or approaches to problems.

Excellence :

Pursuit of doing our best every day by delivering quality work, embracing continuous improvement, and exceeding expectations through professionalism, accountability, and service.

Flexibility:

Ability to multi-task, perform a wide variety of tasks, and change focus quickly while transitioning from task to task effectively. Adapts to varying needs, priorities, expectations, deadlines, and directions. Remains open-minded and changes directions on the basis of new information.

Goal Driven :

Committed to achieving individual, team, and organizational goals.

Initiative:

Proactively approaches member service and efficiently makes use of down-time. Plans work and completes duties without detailed instructions, makes constructive suggestions and solutions, prepares for problems or opportunities in advance, undertakes additional responsibilities, and responds to or resolves situations with minimal supervision when within authority and able.

Integrity:

Required to be honest and ethical.

Judgment:

Considering the relative costs and benefits of potential actions to choose the most appropriate one and the ability to act independently on this information when capable. Makes sound decisions that are based on fact and accepted policies and practices, rather than emotion. Analyzes problems skillfully and uses logic to reach solutions. Maintains focus on the ultimate goal and the overall best interest of the organization when making a decision.

Learning:

Ability to learn and apply new skills to the job.

• Listening skills : Actively listens to determine internal or external member needs and efficiently resolve problems.

Member Service :

Provides engaging, professional, courteous, respectful, high quality member service at all times. Listens and responds effectively to member and internal questions. Builds rapport and addresses members by name. Resolves issues satisfactorily, follows up appropriately, and commits to exceeding expectations.

Numerical Aptitude:

Understanding of numbers and math with ability to add, subtract, multiply, or divide quickly and correctly.

Organized :

Maintains organized work environment, multitasks, and prioritizes workload.

Problem Solving:

Anticipates problems. Considers how a problem and its solution will affect other units. Gathers and analyzes information and weighs alternatives before making decisions. Recommends changes to systems, policies, processes, products and services as needed to make improvements. Takes action as necessary. Takes informed risks. Recognizes and accurately evaluates the signs of a problem. Notifies appropriate parties of problems in a timely manner. Resolves problems independently when appropriate and capable.

Professionalism:

Represents oneself and the Credit Union in a positive and professional manner and builds professional relationships. Maintains a business appropriate appearance.

Risk and Compliance Management:

Adheres to policies and procedures and makes proactive business decisions that limit the organization's financial, regulatory, legal, and reputational risks. Maintains accountability with risk and compliance. Maintains minimal adverse findings in audit, compliance, regulatory, quality control, loan, and other applicable areas.

Self-Control:

Maintains composure and emotions in check without displaying unprofessionalism while managing difficult and/or escalated member interactions or managing a stressful workload or busy environment. Is non-defensive, open to feedback, and receptive to learning new ideas.

Teamwork :

Is kind and respectful towards all staff. Works well with others including leadership, other departments, and coworkers. Supports and helps coworkers as needed. Works, coordinates, cooperates, discusses, offers opinions, and shares critical information with others involved in a decision, project, department, or location as necessary to complete tasks and improve effective decision making.

Technology:

Comfortable with applicable branch technology and Microsoft Office programs.

Time Management:

Prioritizes tasks and carries out work accordingly and within regulatory limits.

Supervisory Responsibilities None Qualifications Required:

• High School Diploma or equivalent
• 1 year experience working in the financial industry

Preferred:

• 1 year loan officer experience
• Customer service experience
• Sales experience Travel Minimal - Employee may be asked to travel to another branch occasionally or other areas in field of membership.

Physical Requirements for this Position These physical demands are representative of the physical requirements necessary for an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable people with disabilities to perform the described essential functions of the position. While performing the responsibilities of the job, the employee is required to hear, listen and interpret verbal information, see and interpret visual information, speak clearly, sit, stand, walk, stoop, bend, kneel, twist, utilize their arms, hands, and fingers to write, type, push, pull, lift, grasp, distribute, organize, and handle various objects. Work Environment The work environment is a professional office serving the public. The noise level is generally moderate. Internal traffic is generally moderate. Other Duties This job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change, or new ones may be assigned, at any time with or without notice.

• Integra First Federal Credit Union is proud to be an Equal Opportunity Employer.

Job Type:

Full-time Pay:

$17.00 - $20.00 per hour

Benefits:

Dental insurance Health insurance Paid time off

Compensation Package:

Bonus opportunities

Experience:

Consumer Lending:

1 year (Preferred) Loan origination: 1 year (Preferred)

Sales:

1 year (Preferred) Ability to

Commute:

Powers, MI 49874 (Required) Ability to

Relocate:

Powers, MI 49874: Relocate before starting work (Required)

Work Location:

In person