Loan Officer: Orleans​/Metairie

POECU (New Orleans) is seeking a dynamic and detail-oriented Loan Officer to join our credit union financial services team. In this role, you will be the key point of contact for members seeking mortgage, retail, or commercial loans, guiding them through the loan origination process with enthusiasm and professionalism. Your expertise will help members achieve their financial goals while ensuring compliance with industry regulations and credit union internal policies and procedures.

This position offers an exciting opportunity to build lasting relationships, leverage your industry knowledge, and contribute to our company’s growth.

• Assess members financial situations by analyzing credit reports, income statements, and other relevant documentation to determine loan eligibility.
• Guide members through the loan application process, explaining terms, conditions, and repayment options clearly and confidently.
• Utilize Loan Origination Systems (LOS) and financial software to process applications efficiently while maintaining accuracy and compliance with all applicable regulations such as TILA (Truth in Lending Act) and Fair Housing laws.
• Conduct thorough credit analysis and underwriting assessments to evaluate risk and ensure adherence to FNMA (Fannie Mae) guidelines and banking/credit union regulatory standards.
• Negotiate loan terms with members, balancing their needs with risk management principles to close deals successfully.
• Maintain ongoing communication with members throughout the loan lifecycle, providing updates on application status and addressing any questions or concerns promptly.
• Stay informed about industry trends, mortgage servicing practices, and changes in financial regulations to ensure compliance and best practices in all loan activities.

• Strong negotiation skills combined with excellent member service abilities to build trust and foster long-term relationships.
• Proficiency with Loan Origination Systems (LOS), mortgage servicing platforms, accounting software, and other financial tools such as Quicken.
• In-depth knowledge of mortgage lending processes, including underwriting, loan processing, escrow procedures, and contract management.
• Familiarity with Fair Housing regulations, TILA requirements, FNMA standards, and industry-specific compliance protocols.
• Ability to perform basic math accurately using 10-key typing skills for credit analysis and financial calculations.
• Effective communication skills for member interaction, relationship building in financial sales, and collaboration with internal teams.
• Industry experience in retail lending or commercial lending analysis focusing on risk assessment and credit evaluation.
• Knowledge of banking/credit union regulatory compliance related to mortgage services and financial transactions.

Previous lending or financial services experience preferred. Strong communication, analytical, organizational, and member-service skills are required. Knowledge of consumer lending, credit analysis, and applicable lending regulations is preferred.

Join us as a Loan Officer if you’re passionate about helping members achieve their home ownership or business financing goals that values integrity, expertise, and proactive service!