Loan Officer Berwick

Berwick, PA

1 DAYS AGO

22893561

Summary

Berwick, PA

In-Person

$19.00 per Hour

1 Years Experience

High school graduate or equivalency certificate (GED)

No Commission

40.00 hours per week / Day Shift / Full-Time

Description The Loan Officer performs activities related to decisioning loan requests with the goal of achieving the optimal outcome for the Credit Union and the Borrower, working within established lending authorities, exception guidelines, and regulatory requirements. They are responsible for consumer and real estate lending. ___________________________________________________________________________________

ESSENTIAL FUNCTIONS AND BASIC DUTIES

Evaluate borrower needs & to discuss appropriate loan products. Take loan applications in person or over the phone and obtain related documentation, as well as pre-qualify loan applications and issue pre-approval notifications as necessary. Demonstrate a positive attitude to build new and maintain existing relationships.

Develop relationships with centers of influence (realtors, attorneys, accountants), and other referral sources for the purpose of increasing loan business.

Cross-sell and refer other Credit Union products, as appropriate, and introduce new borrowers to the Manager of the branch most convenient to the borrower's property address.

Consistently demonstrate effective and appropriate verbal and written communication skills.

Ensure all files and data input meet compliance and regulatory guidelines.

Input loan data into various processing and underwriting systems

Monitor individual pipeline of applications that are placed into processing.

Assist with the evaluation of current procedures and workflow changes and the implementation of those changes, as requested.

Assist borrowers with problems or questions regarding lending services.

Establish a close working relationship with other loan department personnel to ensure an efficient flow of files and member service.

Stay informed of competitors' programs as well as external market trends relating to lending.

Participate in promotions, activities, and other campaigns as requested.

Work with the Marketing Department on initiating various activities to increase business. Complete consumer and commercial mortgage transactions Open new member accounts, as needed, to assist the MSR line.

Perform any other duties as assigned ___________________________________________________________________________________

PERFORMANCE MEASUREMENTS

Policies, goals, and procedures are established which further the strategic plans and objectives supporting the mission and vision of the Board of Directors of MC Federal Credit Union. Profit growth goals are met or exceeded. Expenses are controlled and well managed. Ability to have effective open communications with all levels of the organization. Be accountable by taking ownership of member issues and responsibility for one's actions. Foster teamwork by cooperating and collaborating with other employees. Conducts oneself with integrity by being honest, trustworthy, and ethical in all work activities and interactions. Work with a service orientation by having a genuine concern for the needs of one's members and by being friendly, professional, and following through on commitments. ___________________________________________________________________________________

QUALIFICATIONS EDUCATION/EXPERIENCE

Bachelor's Degree from a four-year college or equivalent experience

REQUIRED KNOWLEDGE

A proven track record of successful loan sales production

Working knowledge of the Microsoft Office

Active Mortgage Loan Originator registration with the NMLS preferred.

SKILLS/ABILITIES

Excellent written and verbal communication skills

Excellent organizational, analytical, and problem-solving abilities

Strong member service skills

Dedicated work ethic with personal and professional integrity

Ability to undertake and complete multiple tasks, meeting deadlines

Strong desire to improve the lives and financial wellbeing of our diverse membership

Commitment to the credit union philosophy of "People Helping People" ___________________________________________________________________________________

PHYSICAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION TALKING

Especially where one must frequently convey detailed or important instructions or ideas accurately, loudly or quickly.

AVERAGE HEARING

Able to hear average or normal conversations and receive ordinary information.

AVERAGE VISUAL ABILITIES

Average, ordinary, visual acuity necessary to prepare or inspect documents or products or operate machinery.

PHYSICAL STRENGTH

Sedentary work: sitting most of the time. Exerts up to 10 lbs. of force occasionally. (Almost all office jobs.) ___________________________________________________________________________________

WORKING CONDITIONS NONE

No hazardous or significantly unpleasant conditions (a typical office environment) __________________________________________________________________________________________________________________

MENTAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION REASONING ABILITY

Ability to understand the borrower's needs and develop and implement a loan program for those particular needs.

MATHEMATICS ABILITY

Ability to perform basic math functions and calculations, including determining interest rates and loan payback amounts.

LANGUAGE ABILITY

Ability to speak fluently to any and all members, business partners, and potential clients, and to communicate effectively in front of an audience when necessary. Additional Details How To Identify Potential Job Scams