Consumer Loan Officer

• Job Category Lending
• Employee Type Non-Exempt
• Required Degree 4 Year Degree
• Manage Others No

• Name Jason De Lorme
• Phone

Western Cooperative Credit Union's Williston Main Branch has a position opening for a Consumer Loan Officer. This position is Full Time getting 40 hours per week. Hours will be Monday through Friday 8:00am - 5:00pm. Final date to receive applications is on or before Friday, July 17th, 2026.

• Desirable wages including bonus and/or incentive opportunities
• Medical Insurance company paid (100%) for Individual premium, other coverage tiers available
• Dental and Vision insurance options (80% paid by company)
• Company paid Life, Long-term, and Short-term disability insurance
• 401(k) with employer match
• Generous paid vacation, sick, and holidays
• And more!

Serve as a liaison between the member and the credit union.

Examines, evaluates, and authorizes or recommends approval of customer applications for consumer loans by performing the following duties.

Include the following. Other duties may be assigned.

• Interviews applicant to determine consumer loan requirement and gather pertinent information for loan application.
• Requests applicant credit reports, proof of employment, and other information pertinent to loan applicant's evaluation.
• Analyzes applicant financial status, credit, and asset evaluation to determine feasibility of granting loan.
• Resolves uncertainties relating to consumer application information through inquiries with applicant or creditors.
• Approves loan within specified limits or refers loan to loan committee for approval.
• Compiles loan package and facilitates negotiation of loan product with applicant, including pricing, loan term, collateral needs, loan repayment options, and other credit terms.
• Communicates effectively to all necessary parties to facilitate the closing and completion of loan documents and maintains the confidentiality of all loans.
• Develops a strong working knowledge of all consumer lending regulations and credit union loan policies and procedures.
• Problem Solving
  - Identifies and resolves problems in a timely manner;
  Gathers and analyzes information skillfully;
  Works well in group problem solving situations.
• Teamwork
  - Balances team and individual responsibilities;
  Exhibits objectivity and openness to others' views;
  Gives and welcomes feedback;
  Contributes to building a positive team spirit;
  Puts success of team above own interests;
  Able to build morale and group commitments to goals and objectives.
• Judgement
  - Displays willingness to make decisions;
  Exhibits sound and accurate judgment;
  Supports and explains reasoning for decisions;
  Includes appropriate people in decision-making process;
  Makes timely decisions.
• Professionalism
  - Approaches others in a tactful manner;
  Reacts well under pressure;
  Accepts responsibility for own actions;
  Follows through on commitments.

This job has no supervisory responsibilities.

To perform the job successfully, an individual should demonstrate the following competencies:

Analytical
- Collects and researches data;
Uses intuition and experience to complement data;
Designs work flows and procedures.

Problem Solving
- Identifies and resolves problems in a timely manner;
Gathers and analyzes information skillfully;
Develops alternative solutions;
Works well in group problem solving situations;
Uses reason even when dealing with emotional topics.

Project Management
- Communicates changes and progress;
Completes projects on time and budget;
Manages project team activities.

Technical Skills
- Assesses own strengths and weaknesses;
Pursues training and development opportunities;
Strives to continuously build knowledge and skills;
Shares expertise with others.

Customer Service
- Manages difficult or emotional customer situations;
Responds promptly to customer needs;
Solicits customer feedback to improve service;
Responds to requests for service and assistance;
Meets commitments.

Interpersonal Skills
- Focuses on solving conflict, not blaming;
Maintains confidentiality;
Listens to others without interrupting;
Keeps emotions under control;
Remains open to others' ideas…