Member Loan Operations Specialist

Member Loan Operations Specialist I –
APG Federal Credit Union

APG Federal Credit Union – Your Community Credit Union! For over 80 years, we have shared our financial experience and provided valuable products and services to build stability and financial independence, one member at a time. We are looking for those who want to join this movement and become a part of a growing organization. We offer competitive pay and great benefits.

Under the general direction of the Indirect Lending Manager, this position provides support for the Credit Union’s Lending Programs; works directly with the manager on a daily basis to resolve all matters regarding the lending programs; performs a variety of loan related duties, including loan disbursals, payment changes, and loan maintenance tasks. Engages in strengthening and maintaining a professional and positive relationship with other departments within the credit union.

Supports established credit union goals by meeting loan servicing and member service metrics.

• Work directly on loans to ensure accurate loan decisions and recommendations are made in compliance with credit union policies and procedures.
• Process member requests for balance transfers.
• Process disbursal requests from outside departments as needed.
• Mail necessary disclosures.
• Engage in quality control, self‑auditing, making loan corrections, maintaining loan records, such as notes and security instruments and reports.
• Provide additional support for handling member related calls to resolve issues. Identify, recommend and implement operational efficiencies.

• Verify all information on approvals (rates, social security number, and account status).
• Verify all bank wire requests, checks, and ACH (loan amounts, funding totals). Review documents to support credit decision (verification of income, tax returns, personal financial statements, and additional supporting documents).

• Review and process reports pertaining to consumer loans.

• Maintain an open line of communication to promote a positive relationship with members.
• Anticipate and investigate causes for inadequate results and make recommendations to the member loan center management team within the limits of the Credit Union corporate objectives.
• Partner with member loan center management to develop process efficiencies, enhanced tracking and other ideas to ensure the workflow is efficient.
• Audit loan files received to ensure all credit union policies and departmental procedures have been adhered to.
• Ensure departmental turnaround times are met.
• Contact member/applicant to obtain/verify application information.
• Complete departmental testing for software/system upgrades.

• Maintain tracking logs related to the lending program. Perform end of month duties such as totaling logs, balancing figures, and completing graphs in excel.
• Disburse within loan approval to include completion of all applicable stipulations.

Responsible for completion of applicable training and compliance on federal regulations and APGFCU policies and procedures related to the duties of this position (Bank Secrecy Act, Information Security as examples, if applicable). Perform other related duties as required or directed.

Education: High School Diploma or equivalent. Specialized training equivalent to two years of college preferred. Experience can be credited in lieu of education.

Experience: Two to three years’ experience with financial institution products and services, including previous experience with consumer loans.

• Knowledge of financial institution products, services and operations.
• Detail‑oriented and highly organized.
• Excellent interpersonal and communication skills on the phone, in person, and written.
• Ability to multi‑task in a fast‑paced work environment.
• Possess a positive attitude and a desire to help people every day.
• Proficient in all MS Office applications.
• High level of integrity and confidentiality.

Excellent member/customer service orientation, human relations, consumer lending knowledge;…