Avista Credit Union Member Service Representative/ Loan Officer (Part Time)

Avista•Spokane, WA

6d•$22 - $39•Onsite

About The Position

The Member Service Representative/ Loan Officer position is responsible for providing quality and timely member services as well as promoting a high level of member satisfaction through assistance, education, and follow through, maintaining a high level of professionalism and confidentiality at all times. Ensures the protection of the Credit Union’s (CU) interests in matters of adequate documentation and adherence to Credit Union policy and various laws and regulations. Responsible for exercises sound credit decisions within specified limits and referring loan applications outside those limits to underwriting or committee for approval. Backs-up other CU positions. Business Development – Prepares oral presentations of credit union loans and deposit products to employee groups, both members and nonmembers, for the purpose of creating a higher awareness of the Credit Union’s benefits. Loan Origination – MSR/LO Executes consumer and personal loan processes independently. LO Originates secondary mortgage loan applications to produce accurate good faith estimates as a part of a team under general direction and guidance. Credit Analysis - The LO is responsible for determining application and disclosure schedule and documentation, AVM/Appraisal review, Title, Flood, and resolution of irregularities.

Requirements

Minimum of 2 years of professionally related experience or 1 year directly related experience in a Credit Union or financial institution is preferred.
Associate's Degree is preferred
Effective written and verbal communication skills required.
Past experience should demonstrate the ability to excel in a dynamic, collaborative, team environment.
The individual must be "bondable" as a financial institution employee.
Must have the ability to obtain a National Mortgage License Service is preferred.
Experience in opening new accounts, debit card processing or ACH processing is preferred.
Experience in originating, processing, or funding consumer loans preferred.
Knowledge of lien perfection, accounting, marketing, or collections is preferred
Knowledgeable in completing consumer loans and can perform the task independently.
Minimum of 2 years of loan origination experience and a demonstrated understanding of loan underwriting process.
Must have the ability to obtain a National Mortgage License Service (NMLS) within 90 days.
Associate's Degree in Business, Accounting, or Finance preferred.
Other combinations of education/experience may be considered
This position requires an in-person presence to support team and on-site responsibilities.
Successful completion of a drug test, background check and motor vehicle records review.

Responsibilities

Providing quality and timely member services
Promoting a high level of member satisfaction through assistance, education, and follow through
Maintaining a high level of professionalism and confidentiality
Ensuring the protection of the Credit Union’s interests in matters of adequate documentation and adherence to Credit Union policy and various laws and regulations
Exercising sound credit decisions within specified limits and referring loan applications outside those limits to underwriting or committee for approval
Backing up other CU positions
Preparing oral presentations of credit union loans and deposit products to employee groups
Executing consumer and personal loan processes independently
Originating secondary mortgage loan applications to produce accurate good faith estimates
Determining application and disclosure schedule and documentation
Performing AVM/Appraisal review, Title, Flood, and resolution of irregularities