Loan Officer

Neighbors F C U•Baton Rouge, LA

47d•Onsite

About The Position

This in-office Loan Officer role is responsible for promptly and accurately taking direct consumer loan applications through all application channels. The position does not process mortgage loan applications. The Loan Officer works to retain existing members and acquire new members by building personalized banking relationships, providing superior service and lending expertise, and offering credit union lending and ancillary products. The role involves collecting and reviewing application information and supporting documentation, preparing applications for underwriter review, responding to member inquiries, and providing guidance about credit building and applicants’ financial circumstances. The Loan Officer also supports sales and service goals through member outreach, relationship development, referrals, cross-selling, and promotion of products and delivery channels. The position reports to the AVP Lending Call Center and is located at the Perkins Branch.

Requirements

High school diploma or equivalent.
One to two years of financial services experience, preferably in a call center or retail sales environment, and/or training; or an equivalent combination of education and experience.
Ability to read and write.
Effective numerical skills and proficient math knowledge.
Ability to provide courteous, professional member service and work effectively with people at all levels.
Effective oral, written, and telephone communication skills.
Ability to analyze job-related situations and make sound decisions.
Ability to learn, apply, and communicate knowledge of credit union products, services, and procedures.
Ability to learn, apply, and communicate credit union collection policies and procedures.
Ability to input and retrieve computer data, use a calculator, type accurately, and use and learn office machines such as copiers, fax machines, and terminals.
Ability to use multiple systems and websites proficiently and correctly.
Ability to obtain and maintain an NMLS ID.
Ability to obtain and maintain a Louisiana credit license.

Responsibilities

Receive and prepare consumer loan applications for members and non-members, and respond to loan-related inquiries and requests.
Collect and review application information to ensure it is complete, properly structured, consistent with credit standards and credit union policy, and ready for underwriter review.
Collect required documentation from applicants promptly and ensure application information is accurate and ready for processing.
Review applications with applicants, provide credit-building guidance, answer lending questions, and counsel members about their financial situation and creditworthiness when applicable.
Retain existing members and acquire new members through inbound and outbound calls, portfolio management, relationship development, and member service and product offerings.
Develop existing member relationships by identifying additional product and service needs.
Promote and sell credit union products and services by identifying cross-selling opportunities during the application process.
Meet monthly referral, sales, and participation goals, including goals related to Credit Life and Credit Disability, Vehicle Service Contracts, and GAP.
Quote tax, title, license, and Wildlife and Fisheries fees as needed.
Use the lending origination system (LOS), assist with LOS testing when requested, and provide enhancement ideas and requests.
Educate members about and promote the use of multiple delivery channels and Protection Solution packages.
Assist with inbound and outbound sales and service calls for the Contact Center and branches when needed.
Maintain knowledge of and comply with the Bank Secrecy Act as it relates to the position.
Perform other duties as required or assigned by management.