Consumer Loan Originator

America First Credit Union•St. George, UT

1d•$22 - $27

About The Position

The Consumer Loan Originator works in a sales-focused environment to build member relationships by selling deposit accounts, loans, and other credit union services. The role interviews and advises members about loans and other products, reviews and processes consumer and home loan applications, opens and closes accounts, explains credit policies, and obtains required loan information and documentation. The originator communicates credit requirements and decisions to members, researches whether loans meet credit union criteria and approval limits, and provides prompt, professional service. The position also initiates member outreach to identify additional financial opportunities, is expected to meet or exceed sales, volume, and service baselines, assists area loan personnel, and acts as a loan processor, senior member service representative, or branch receptionist as needed. The role coordinates loan functions from application and preliminary documentation through evaluation, processing, and closing. It develops member relationships, promotes credit union products and services, counsels members on loan alternatives and money management, and supports branch operations, staff training, accurate records, member confidentiality, and compliance. The schedule is Monday through Saturday with flexibility. The position is considered full-time at 30–40 hours per week and is eligible for benefits. Compensation is $22.04–$27.26 per hour, determined by relevant job-related skills and experience.

Requirements

High school graduate or equivalent.
Minimum of 2 years of progressive credit union experience, preferably involving product promotion, in-person and telephone sales, and strong member service.
Experience with new accounts and loan applications.
Thorough knowledge of credit union products, services, policies, and procedures.
Sound knowledge of credit union lending procedures, processing, and Loan Pro.
Strong understanding of related legal and regulatory standards.
Solid understanding of credit union operations.
Excellent communication and public relations skills, including professional phone etiquette.
Ability to recognize and offer sales opportunities that benefit members.
Professional appearance and attitude; cooperative approach and ability to work well with others.
Ability to analyze loan documents and other account information.
Ability to operate related computer applications and software needed for assigned responsibilities.
Proficient math and reading skills.
Successful completion of Member Service Representative and Senior Member Service Representative certifications, including Lending Sales, Lending 1, Lending 2, Business Services, SBA Lending, Lending 3, SAFE Act registration, Mortgage Lending, and lending tests 1, 2, and 3 with scores of 85% or better.
Sales Certified based on loan volume and MCLO Certified based on volume.

Nice To Haves

Additional business coursework preferred.
Senior Member Service Representative Certification preferred.

Responsibilities

Interview members, take loan applications, discuss loan alternatives, credit criteria, interest rates, and documentation, and process preliminary loan documentation.
Actively sell credit life, disability, and GAP insurance; make MFS referrals; and meet monthly credit union sales standards, including promotions and campaigns.
Evaluate and verify loan applications and credit criteria, calculate debt ratios, verify employment and income, assess collateral value, and verify collateral insurance coverage.
Recommend loan decisions and cross-sell to underwriting within approval authority, notify applicants of decisions, and request additional information when needed.
Process loans by ordering credit reports and title searches, obtaining appraisals, documenting comments in internal underwriting, and handling loan closings.
Develop member relationships and maximize use of credit union products and services to meet or exceed established baselines.
Recommend loans, deposit accounts, and other services; counsel members on money management and loan alternatives; and discuss repayment of existing credit union debt.
Resolve loan and membership account rejects promptly; process and secure liens on collateralized loans; and follow up on pending titles.
Respond promptly and courteously to member requests, questions, and issues, and explain credit union accounts, loan policies, and services.
Counsel members whose loan requests are denied, explaining reasons and alternatives.
Open new accounts and provide other credit union products and services.
Assist employees with branch operations and help train and cross-train receptionists and senior member service representatives.
Complete reports and records accurately and promptly, attend required meetings and training, and keep management informed of area activities and significant problems.
Stay informed about local and national economic conditions and legal and regulatory changes.
Act as a loan processor, senior member service representative, or branch receptionist as needed.
Maintain the work area's cleanliness, maintenance, and security; protect member confidentiality; and respond to Point Score Compliance exceptions, policy violations, and loan rejects in a timely manner.
Complete special projects and other assigned duties.