Consumer Loan Officer

Position Summary

This position is responsible for the underwriting of direct and indirect consumer loan applications, making credit decisions, and cross-selling other consumer loan products. In addition, this position will review and analyze complex loan requests to include interpreting credit profiles, assessing the ability to repay, decisioning loans and understanding member’s needs while keeping the safe and soundness of the credit union in mind.

Qualifications

• High school diploma or General Equivalent Diploma (GED).
• Minimum three years’ experience in underwriting consumer loans in an indirect and direct lending environment.
• Working knowledge of all consumer lending products.
• Strong knowledge and experience of consumer credit laws and regulations.
• Ability to verify and calculate income by using paystubs.
• Ability to read and analyze personal and business tax returns.
• Ability to effectively communicate adverse loan decisions.
• Excellent Member Service skills and the ability to rework deals with dealerships.
• Competent in problem solving, time management and organizational skills.
• Proficient in Excel, Word and automated lending software.

Schedule

Onsite position Mon-Fri 9:00am-6:00pm; One Saturday (8am-5pm) a month

Benefits

• Safe and Secure Since 1952.
• At American First, our allegiance is to the Member.
• We offer excellent benefits : medical, dental, vision, paid life, Long term disability and AD&D insurance, generous 401(K) plan with employer match, financial advisor, free banking, discounts on consumer loans, paid holidays, vacation, sick, flexible spending accounts, tuition reimbursement, special recognition programs and much more.

Pay

Salary Range: $24.35-$34.00

The salary ranges for positions are based on current market industry studies as well as job evaluations. During the offer phase Management will determine the appropriate compensation within the compensation range based on experience, education and internal equity.

Contact

To learn more about us, please visit us at https://www.amerfirst.org/JoinOurTeam.aspx

Equal Opportunity Employer

American First Credit Union is an EEO/AA/Disability/Vets Employer