Consumer Web Loan Officer

• Cultivate strong member relationships through high-quality sales and service
• Promote and sell savings, depository accounts, consumer loans, and insurance products
• Refer cross-sell opportunities to business partners
• Execute Member Experience protocols and identify financial needs and referral opportunities
• Process consumer web applications accurately and promptly, including loan funding and documentation
• Review credit reports to identify relationship-deepening opportunities
• Use credit scoring, lending practices, regulatory knowledge, and judgment to make lending decisions
• Explain loan denials and explore alternative options
• Respond to member inquiries by telephone, SMS, and email
• Conduct member interviews to gather information, resolve discrepancies, and verify underwriting documentation
• Analyze income documentation to assess financial qualifications and support underwriters
• Ensure compliance with laws, regulations, Fair Credit Lending Practices, and Credit Union policies
• Assist with audits when required
• Participate in staff development programs
• Report to work on time and perform other assigned duties

• 4-year / Bachelor's degree
• Sales experience
• At least 1 year of consumer lending experience
• Thorough working knowledge of consumer lending regulations
• Superior oral and written communication skills
• Excellent telephone manners and headset technique
• Thorough working knowledge of depository and loan products, account insurance, account vesting, and consumer lending
• Working knowledge of verifying and understanding income documentation
• Ability to multitask across multiple systems simultaneously
• Knowledge of credit union systems, documents, reports, policies, and procedures is a plus
• Actively registered as a Mortgage Loan Originator with the NMLS, or must obtain registration within 6 months
• Successful completion within 6 months of New Hire Training, New Accounts, Consumer Loan Training program, Membership Officer Authority, and Contact Center Basics
• Successful completion of Certified Credit Union Financial Counselor (CCUFC) certification within 9 months

Demonstrates expertise in consumer lending, including knowledge of lending regulations, depository products, and financial assessment. Strong communication skills are essential for cultivating member relationships and providing high-quality service.

• Consumer Lending Experience
• Knowledge Of Consumer Lending Regulations
• Sales Experience
• Mortgage Loan Originator Registration
• Certified Credit Union Financial Counselor (CCUFC)

• Consumer Lending
• Financial Assessment
• Income Documentation Verification
• Loan Processing
• Credit Scoring
• Regulatory Compliance
• Cross-Selling
• Member Experience Protocols
• Loan Documentation
• Credit Report Analysis

• Superior Oral Communication
• Written Communication Skills
• Excellent Telephone Manners
• Multitasking Ability
• Interpersonal Skills

• Mortgage Loan Originator Registration
• Certified Credit Union Financial Counselor (CCUFC)

• Depository Accounts
• Consumer Loans
• Insurance Products
• Fair Credit Lending Practices
• Credit Union Policies

• Credit Union Systems
• Loan Funding Systems
• Documentation Software
• Member Management Systems