Loan Officer

Triangle Federal Credit Union•Columbus, MS

About The Position

Triangle Federal Credit Union is seeking a highly experienced and member-focused Loan Officer to join our lending team. This role is responsible for originating, underwriting, and managing a diverse portfolio of consumer loans while delivering exceptional service to our members. Mortgage lending experience is a plus but not required. The ideal candidate will have a minimum of ten (10) years of lending experience, strong credit analysis skills, and a deep understanding of regulatory compliance and risk management within a financial institution environment.

Requirements

Minimum 10 years of lending experience in a bank or credit union environment.
Bachelor’s degree in Business, Finance, Accounting, or related field.
Strong credit analysis and risk assessment skills.
Demonstrated decision-making ability with sound judgment and attention to detail.
In-depth knowledge of federal and state lending regulations.
Excellent communication, interpersonal, and organizational skills.
High ethical standards and commitment to member confidentiality.

Nice To Haves

Mortgage lending experience (preferred but not required).
Experience working in a credit union environment.
Leadership or mentoring experience within a lending team.
Familiarity with loan origination and core banking systems.

Responsibilities

Evaluate, originate, and underwrite consumer loan applications (auto, personal, credit card, home equity, and other secured/unsecured products) in accordance with credit union policies and regulatory guidelines.
Analyze credit reports, income documentation, financial statements, and collateral to assess creditworthiness and risk.
Make sound lending decisions within delegated authority and provide recommendations on complex loan requests.
Ensure compliance with all applicable federal and state regulations, including Fair Lending, ECOA, TILA, and BSA/AML requirements.
Maintain and manage an assigned loan portfolio, monitoring performance and addressing delinquencies as needed.
Provide clear guidance and financial education to members regarding loan products, rates, and terms.
Identify cross-selling opportunities and promote additional credit union products and services.
Collaborate with internal departments to ensure accurate documentation, efficient processing, and timely funding.
Stay current with industry trends, internal policies, and regulatory changes.