POSITION PURPOSE
Provide information on credit union products and services to current and potential members according to all credit union policies and procedures and Federal and State rules and regulations. Prepare, analyze, process, and document all required forms and related documentation for consumer loan products. Approve or deny a variety of consumer loan applications. Promote credit union products and services.
ESSENTIAL FUNCTIONS AND BASIC DUTIES
1.Decision loan applications and notify branches and member connect staff of decision.
2. Evaluate the following on each application submitted to loan queue by branches and call center. (Beacon score, BNAV score, debt-to-income ratios, unsecured ratio, loan to value, max unsecured limits etc).
3. Evaluate tax returns for branches as requested for income verification.
4. Verify the rate and term shown meets guidelines for Orion FCU consumer lending policy and current rate sheet.
5. Identify cross sell opportunities and communicate back to the branches.
6. Provide assistance to FSR's on accurate completion of loan applications.
7. Correspond with members, applicants, and creditors to resolve questions regarding application information.
8. Be familiar with developing laws and regulations as they apply to installment-loan security agreements.
9. Handle loans of highest complexity, value, and risk while maintaining confidentiality.
10. Cross train and assist with questions and issues.
11. Review and underwrite loans from dealers through the Credit Union's indirect lending program.
12. Communicate with dealers on loans submitted for review.
13. Monitor loan application queue daily for loans being sent for decision.
14. Confidentially process employee loans from application to approval.
15. Verify accuracy of reporting.
16. May represent Orion at trade shows and other events.
17. All other duties as assigned.
QUALIFICATIONS EDUCATION/CERTIFICATION: Bachelor's degree in related field or equivalent experience and training
EXPERIENCE REQUIRED: Minimum 3 years experience in consumer lending
SKILLS/ABILITIES: Excellent verbal and written communication skills. Must have strong decision-making skills Ability to analyze credit reports quickly Proficient with Microsoft Word and Excel
WORKING CONDITIONS: Typical Office Environment. Some Saturdays required.
Successful candidates must pass pre-employment credit checks, background checks, and drug screens.
Orion FCU is an equal opportunity at will employer and does not discriminate against any employee or applicant for employment because of age, race, religion, color, disability, sex, sexual orientation, national origin or any other federal or state protected class. We maintain a drug-free workplace and perform pre-employment substance abuse testing. If you are unable to complete this application due to a disability, contact us to ask for an accommodation or an alternative application process.
Other details
- Pay Type Hourly
- Required Education High School
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