Loan Officer

RAIZ FEDERAL CREDIT UNION•El Paso, TX

2d•$22 - $32•Onsite

About The Position

This position reports to The Loan Center Manager and Assistant Loan Center Manager. This role requires someone who is enthusiastic about educating and assisting our members with our services. Responsible for providing loan services to Raiz FCU members/potential members, responsible for underwriting consumer loans and credit card applications, and for executing sales strategies to maximize loan funding’s with a thorough knowledge of lending policy and procedures. Consistently demonstrates the ability to think independently, outside the box and to effectively respond to unique member situations while demonstrating exceptional member service. Independently identifies sales opportunities with knowledge of all credit union products, offers services and solutions to best fit member’s needs. Demonstrates an unsurpassed commitment to red carpet service and teamwork. This position requires excellent people skills, phone skills, sales skills, and the ability to multitask. This position also requires someone who is highly motivated, positive, and can clearly and effectively communicate with members and all levels of staff in oral and written form. This position requires someone who is proficient with applicable technology and possesses the confidence to offer appropriate solutions to fit member needs and confidence to make sound decisions on loan applications while demonstrating exceptional member service. You will be an empowering mentor that will be: A trusted expert A natural communicator A champion for our members and the community A guide through the moments that matter the most to our members

Requirements

Education – High school diploma or equivalent required.
Minimum of 5 years of experience in the financial industry
Minimum of 3 years of consumer lending experience or previously underwriting experience
Minimum of 2 years of lending authority
Minimum of 2 years of sale experience
Strong understanding of consumer lending policies, procedures, products and services, laws and regulations.
Excellent oral and written communication skills required.
Professional phone etiquette, appearance and attitude
Demonstrate leadership and interpersonal abilities
Understanding of financial industry concepts, related laws, and regulations
Critical thinking and problem-solving skills
Well organized, attention to detail, time management skills
Strong multi-tasking, teamwork, focus and the sense of urgency
Proficient in Microsoft Office, Excel and web-based application

Nice To Haves

Bachelor's degree Preferred
Previous credit union experience is a plus

Responsibilities

Responsible for assisting members promptly, efficiently, and professionally to meet member needs and meet Raiz FCU’s funding goals.
Conduct loan interview and performs credit investigations for consumer loans.
Review and approve consumer loans within assigned guidelines and authority.
Makes recommendations on consumer loans outside of authority level.
Comply with all lending regulations and ensure all loans are within Credit Union guidelines.
Cross sells credit union loan products credit life, credit disability, and all ancillary loan products.
Cross-sell all services of the credit union
Actively seeks opportunities to increase loan volume.
Provides an excellent member experience by relating well to the member, proactively selling products and services that benefit the member, thinking and exercising sound judgment, and acting responsibly in the member’s and the Credit Union’s best interest.
Return phone calls within 24 hours
Accurately determines values for various types of collateral.
Displays a commitment to Red Carpet Service and strong interpersonal skills by building and maintaining positive relationships with members, team members, and external entities.
Communicates effectively in writing and verbally.
Follows up with key individuals immediately to resolve problems and/or respond to inquiries.
Stay up to date on all current, applicable industry standards, and federal regulations.
Responsible to keep track of all loan applications taken for the purpose of working in an organized manner and providing exceptional member service.
Actively participates in and completes all ongoing required loan and sales training and attends all scheduled meetings.
Performs minor maintenance on systems to include reviewing payment history, downloading documents, and researching outstanding items.
Effectively manages time and resources.
Supports and assists other lending areas.
Complies with all Bank Secrecy Act (BSA) rules and regulations, in addition to Customer Identification Program (CIP).
Attends required annual BSA training and required compliance training.
Other duties assigned