Consumer Lending Operations - Consumer Loan Officer

Mission Fed Credit Union•San Diego, CA

18h•Onsite

About The Position

As a Consumer Loan Officer, you'll play a critical role in evaluating and underwriting consumer loan applications across a variety of products, including auto loans, personal loans, and credit cards. You'll partner with branches and internal departments, serve as a lending subject matter expert, and help ensure every lending decision supports both our members and our business objectives.

Requirements

High School Diploma, GED, or equivalent.
Minimum of 5 years of consumer lending experience.
At least 2 years of consumer loan underwriting experience.
At least 3 years of customer service experience.
Strong knowledge of consumer lending products and credit analysis.

Nice To Haves

Credit union experience.
Call center experience.
Familiarity with Symitar or similar core banking platforms.

Responsibilities

Review and underwrite consumer loan applications that require manual decisioning.
Analyze member credit profiles, income sources, debt-to-income ratios, and ability to repay.
Make prudent lending decisions while adhering to established policies, procedures, and lending guidelines.
Identify credit risks, interpret credit reports, and investigate potential red flags.
Provide guidance and underwriting support to branches and departments.
Respond to lending-related inquiries via phone and email while delivering exceptional internal and external member service.
Stay current on lending policies, procedures, and regulatory requirements.
Assist with rate exceptions, loan recasts, reporting activities, and other assigned lending functions.
Identify opportunities to offer additional loan products that may benefit members.
Participate in loan quality reviews and contribute recommendations for workflow improvements and training opportunities.