Consumer Loan Officer

JOB REQUIREMENTS: Primary Duties & 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 members signature on loan
documents, and approve or deny loan requests. – Calculates
debt-to-income ratios on loan applicants, estimates monthly obligations,
and determines members 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. OTHER EXPERIENCE AND QUALIFICATIONS:
Experience: Customer Service of 3 years or more. Banking or Credit Union
experience preferred but not required. Skills and Abilities: – Knowledge
and ability to apply current financial service industry standards, laws,
and regulations. – 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 work flow 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 practice .
APPLICATION INSTRUCTIONS: Apply Online:
https://recruiting.paylocity.com/recruiting/jobs/All/b9944418-e383-4000-853f-3d5b60a36394/Westby-Coop-Credit-Union