Consumer Loan Officer, 4700 Montgomery, Bilingual Encouraged

Rio Grande Credit Union•Albuquerque, NM

6d•Onsite

About The Position

The Consumer Loan Officer helps credit union members achieve their financial goals through excellent service and consumer lending. The role conducts consumer lending in a sales-and-service environment, builds lasting financial relationships, and promotes loan growth. It manages loan applications and queues, responds to member requests by phone and video, processes and funds loans, and ensures required verifications and documentation are complete and accurate. The position requires knowledge of consumer lending products, credit union policies, and applicable regulations and compliance procedures, including BSA, Red Flags, and UDAAP. The officer supports members and colleagues across branches and departments, monitors accounts, resolves or escalates complex issues, participates in credit union projects and committees, and helps maintain quality-control standards. The role has no supervisory responsibilities and is based at 4700 Montgomery.

Requirements

Six months to two years of related experience, or a two-year college degree or specialized course of study, or two years of related experience.
Ability to write reports, business correspondence, and procedure manuals, and to present information and respond to questions from managers, clients, members, and the public.
Ability to read and write in English.
Ability to calculate discounts, interest, amortizations, proportions, percentages, cash flow, net present values, and depreciation, and to apply basic algebra and arithmetic.
Ability to solve practical problems involving concrete and flexible variables and interpret written, oral, diagrammatic, or scheduled instructions.
Working knowledge of Microsoft Office products.
Ability to meet the physical demands of the job, including regularly sitting and using hands to finger, handle, or feel; frequently reaching with hands and arms and talking or hearing; and frequently lifting or moving up to 25 pounds.
Ability to perform the essential duties satisfactorily, with reasonable accommodations available for individuals with disabilities.

Responsibilities

Conduct consumer lending in a sales and service environment that fosters long-term member relationships and promotes loan growth.
Review pipeline applications and manage queues to maximize production, meet service and production standards, and prioritize referrals.
Provide excellent member service and product knowledge, maintaining a professional, friendly, and positive service focus.
Answer incoming phone and video calls and assist members with consumer lending requests in a timely and professional manner.
Develop knowledge of regulations, procedures, and compliance requirements related to member service and loans, including BSA, Red Flags, UDAAP, lending policies, and lending matrices.
Perform consumer lending functions, including data entry and loan funding.
Prepare, obtain, and verify required documentation for products, services, and lending files.
Maintain knowledge of consumer loan applications, title work, MMP and GAP policies, and debt cancellation products.
Serve as a point of contact and subject matter expert for staff across branches and departments, and ensure account-monitoring standards are followed.
Troubleshoot or escalate complex issues to a supervisor, manager, or appropriate business owner, using independent judgment and decision-making.
Participate in credit union-wide projects and committees.
Work with management to minimize findings from internal and external quality control reviews, audits, and examinations.
Follow credit union security procedures and promptly notify a supervisor or manager of irregularities.
Dispose of obsolete files according to retention schedules or legal requirements.
Update required CIP information in the core processor for prime and joint members and customers on all accounts and transactions.
Report suspicious activity to the BSA Officer or BSA Specialist and to the Risk Management department through the compliance group email.
Review loan applications for Red Flags in accordance with BSA and Identity Theft Red Flag procedures.
Meet individual quarterly goals outlined in the incentive plan and monthly scorecard.
Perform other duties as assigned by department supervisors and managers, Senior Management, and the President/CEO.