Consumer Lending Officer

Job Description:

Consumer Lender Summary:

Responsible for developing new business, underwriting, structuring and closing of consumer loans, as well as maintaining and servicing a consumer loan portfolio. Represent the credit union in its market area through active participation in community affairs.

Role and Responsibilities:

Interviews applicants to determine loan requirements and gathers pertinent information for loan applications. Requests applicant credit reports, background checks, reference checks and other information pertinent to loan applicant's evaluation. Analyzes applicant's financial status, credit, and asset evaluation to determine feasibility of granting loan, establishes credit limit through written and/or oral assessment. Resolves uncertainties relating to customer application information through inquiries with applicant or creditors. Structure loans within loan policy. Approves loan within specified limits or champions loan opportunities to the Senior Lender and/or Committee for proper approval. Prepares financing proposals consistent with approval for presentation to the applicant. Reviews loan documentation prior to closing for completeness and acceptance by the applicant. Ensures timely loan closing and funding activities. Maintains a positive working relationship with members, credit union staff, local professionals, spheres of influence, and community organizations. Participate in community and professional organizations and events. Manage loan portfolio including renewals, modifications, updated credit analysis, collections, and portfolio monitoring. Uses experience and sound judgment to plan and accomplish goals.

Qualifications and Education Requirement:

Minimum of 5 years' experience in Consumer Lending, with a preference for existing credit training. Associate's or Bachelor's Degree in Business Administration or related area. Ability to generate $8-12 million in new loan growth.

Skills Required:

Applicant should be able to exercise good judgment in establishing and maintaining working relationships, solve problems, and be able to deliver a high level of accuracy, focus and timeliness with limited supervision. Strong written and verbal communication skills are required along with a proficiency in Microsoft Office Suite of Programs/Products. Must have the ability to read, analyze, and interpret policies, contracts, credit and financial documents as well as other legal documents as needed. Ability to present, sell and service bank products as well as demonstrate professional knowledge of consumer lending. Strong analytical and mathematical capabilities as well as an understanding of credit underwriting and loan documentation This job description is only a summary of the typical functions of the job, not an exhaustive or comprehensive list of all possible job responsibilities, tasks and duties. First NRV Federal Credit Union is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.

Job Type:

Full-time Pay:

$13.00 - $25.00 per hour

Benefits:

401(k) Dental insurance Health insurance Paid time off Vision insurance

Experience:

Fair Housing regulations: 1 year (Preferred) Loan origination: 1 year (Preferred)

Sales:

1 year (Preferred)

Work Location:

In person