Find & Apply For Loan Officer Jobs in Fruita, Colorado

Consumer Lending Officer Position Overview We are seeking a knowledgeable and member-focused Consumer Lending Officer to evaluate, process, and approve consumer and residential loan applications. This role is responsible for analyzing creditworthiness, reviewing financial documentation, making lending decisions within established authority, and ensuring loans are processed accurately and efficiently. The ideal candidate has strong analytical skills, a commitment to excellent member service, and a solid understanding of lending policies and regulatory requirements. Key Responsibilities Receive, review, and process consumer, home equity, second mortgage, home improvement, credit card, and overdraft loan applications. Evaluate credit reports, income, employment, collateral values, debt-to-income ratios, and loan-to-value ratios to determine creditworthiness. Approve or deny loan applications within authorized lending limits and present larger requests for additional approval. Coordinate loan closings and ensure accurate documentation, disclosures, approvals, and disbursements. Assist with loan servicing, including refinances, payoffs, payment extensions, collateral releases, and workout arrangements. Review and monitor indirect lending applications and ensure compliance with lending policies and applicable regulations. Identify opportunities to meet members' financial needs through appropriate lending products and services. Build and maintain positive member relationships by providing guidance, answering questions, and resolving concerns promptly and professionally. Support daily account maintenance and other financial service needs as required. Provide guidance to other lending staff regarding lending policies, procedures, and application reviews. Maintain compliance with applicable regulatory requirements, including Bank Secrecy Act (BSA) guidelines. Qualifications High school diploma or equivalent required. At least one year of related experience; previous lending experience or experience with a full-service financial institution is preferred. Knowledge of consumer and residential lending practices, loan documentation, lending policies, and applicable regulations. Strong analytical, financial, mathematical, and problem-solving skills. Excellent communication, interviewing, customer service, and relationship-building abilities. Ability to evaluate financial information, interpret lending guidelines, and make sound lending decisions. Proficiency with computer applications and standard office equipment. Professional demeanor, strong attention to detail, and the ability to manage multiple priorities effectively. #IND4

Pay:

$22.54 - $23.46 per hour

Benefits:

401(k) Dental insurance Health insurance Life insurance

Work Location:

In person