Loan Officer - Charlotte Branch

About the role

The Loan Officer is responsible for interviewing applicants, analyzing credit reports, and recommending lending solutions that align with members' financial needs. They ensure accurate documentation, regulatory compliance, and timely loan processing while promoting the Credit Union's products and digital services.

Responsibilities

• Actively listen to uncover each member’s stated and unstated financial needs, conduct a comprehensive analysis of their financial profile, and recommend tailored solutions that support their long-term financial well-being, while successfully cross-selling complimentary products and services that meet their needs.
• Identify and sell products and services, provide personalized financial education to enhance member experience, and achieve individual and departmental goals.
• Interview consumer loan and Visa applicants while providing information on products and services that best meet the applicant’s needs.
• Request, verify, and submit all appropriate information to Instant Decision, transfer any referred applications to underwriting and then deliver approval or denial of loan application after Instant Decision or Underwriter review.
• Gather, analyze, and interpret credit report data to identify potential financial risks and compile comprehensive findings that inform underwriters in making timely lending decisions based on a complete application, while ensuring compliance with all applicable regulations and internal policies are met.
• Maintain an understanding of credit risk through the member interview process and accurate application documentation to minimize organizational risk.
• Follow regulatory and lending policy requirements including the Bank Secrecy Act, Office of Foreign Asset Control, Anti-Money Laundering Regulations, Equal Opportunity Credit Act (ECOA), Fair Credit Reporting Act (FCRA), and Truth in Lending Act (TILA).
• Utilize thorough review of each member’s unique financial position during all member interactions to further develop relationships with members, prospects, and loan applicants, offering products and services with measurable success, identifying and closing loan opportunities and referring deposit and digital products.
• Engage with members and prospective members through community events to build relationships and grow the branch.
• Promote and guide members in using Credit Union technology, enhancing their experience and empowering members to manage their finances with ease and confidence.
• Engage in branch, organizational, and self-paced training to strengthen competencies within the role while building skills and abilities required for future growth and readiness.
• Review member interactions, applications, and account activity for red flags such as unusual activity, account access anomalies, and high-risk application indicators; ask clarifying questions to verify identity and intent; and promptly escalate concerns to the Fraud Department to ensure timely investigation and resolution, protecting both members and the Credit Union.
• Support cross-departmental operational needs by performing designated tasks to enhance efficiency, maintain productivity, and contribute to service and growth across the Credit Union.

Requirements

• High School Diploma, GED or equivalent.
• Availability to work during branch hours (Full time up to 40 hours per week and Part time up to 29 hours per week), including Saturdays, and to support other locations to meet needs across the branch network.
• This position requires experience within financial services, banking, or lending environments, including demonstrated knowledge of financial products and services, as well as familiarity with lending regulations, compliance standards, and operational processes.
• Competencies: Core Competencies that must be demonstrated by all Credit Union employees include Communicate, Navigate Change & Evolve, Solve Problems & Make Decisions, Plan, Prioritize, and Achieve, and Collaborate.
• Functional Competencies: Member Sales - Effectively leverages opportunities and generates leads to cross-sell products and services with integrity, supporting member needs while achieving individual, department, and organizational goals. Superior Service - Prioritizes and acts on the needs of members and employees. Sets the tone and establishes rapport. Acknowledges and clarifies while committing and providing guidance. Summarizes and closes the interaction positively. Product Knowledge - Demonstrates knowledge of products, services, and relevant details offered or supported within the position. Adherence to Procedures - Includes knowledge of relevant external and internal policy and compliance procedures. Initiative - Takes proactive and prompt action to accomplish work goals. Takes action to achieve results beyond requirements. Conflict Resolution - Works effectively through an antagonistic situation to minimize relationship damage and promote shared goals. Uses appropriate interpersonal methods to reduce tension or conflict and facilitate agreement. Systems Knowledge - Demonstrates knowledge of specific Credit Union programs and applications and successfully navigates these systems. Detail Orientation - Ensures information is complete and accurate. Adheres to processes as outlined. Follows up to ensure quality and completion of work. Teamwork - Works well with internal and cross-functional teams to achieve individual, team, department, and/or organizational goals. Values diverse perspectives and working with others to achieve the best outcome possible. Self-Awareness - Self-reflects on behavior and how emotions affect others. Situationally modifies behavior to improve outcomes and build relationships. Knows, leverages, and displays strengths and vulnerabilities. Creativity and Innovation - Thinks beyond the confines of traditional models to recognize opportunities and identify new and better processes. Encourages experimentation and accepts failure as a driver of innovation. Mentorship - Helps others build awareness, confidence, and resources necessary to fulfill their potential, regardless of reporting relationship.

Qualifications

• High School Diploma, GED or equivalent.
• Availability to work during branch hours (Full time up to 40 hours per week and Part time up to 29 hours per week), including Saturdays, and to support other locations to meet needs across the branch network.
• This position requires experience within financial services, banking, or lending environments, including demonstrated knowledge of financial products and services, as well as familiarity with lending regulations, compliance standards, and operational processes.
• Competencies: Core Competencies that must be demonstrated by all Credit Union employees include Communicate, Navigate Change & Evolve, Solve Problems & Make Decisions, Plan, Prioritize, and Achieve, and Collaborate.
• Functional Competencies: Member Sales - Effectively leverages opportunities and generates leads to cross-sell products and services with integrity, supporting member needs while achieving individual, department, and organizational goals. Superior Service - Prioritizes and acts on the needs of members and employees. Sets the tone and establishes rapport. Acknowledges and clarifies while committing and providing guidance. Summarizes and closes the interaction positively. Product Knowledge - Demonstrates knowledge of products, services, and relevant details offered or supported within the position. Adherence to Procedures - Includes knowledge of relevant external and internal policy and compliance procedures. Initiative - Takes proactive and prompt action to accomplish work goals. Takes action to achieve results beyond requirements. Conflict Resolution - Works effectively through an antagonistic situation to minimize relationship damage and promote shared goals. Uses appropriate interpersonal methods to reduce tension or conflict and facilitate agreement. Systems Knowledge - Demonstrates knowledge of specific Credit Union programs and applications and successfully navigates these systems. Detail Orientation - Ensures information is complete and accurate. Adheres to processes as outlined. Follows up to ensure quality and completion of work. Teamwork - Works well with internal and cross-functional teams to achieve individual, team, department, and/or organizational goals. Values diverse perspectives and working with others to achieve the best outcome possible. Self-Awareness - Self-reflects on behavior and how emotions affect others. Situationally modifies behavior to improve outcomes and build relationships. Knows, leverages, and displays strengths and vulnerabilities. Creativity and Innovation - Thinks beyond the confines of traditional models to recognize opportunities and identify new and better processes. Encourages experimentation and accepts failure as a driver of innovation. Mentorship - Helps others build awareness, confidence, and resources necessary to fulfill their potential, regardless of reporting relationship.

Skills

• Excellent communication and interpersonal skills.
• Strong analytical and problem-solving abilities.
• Familiarity with financial products and services.
• Ability to work independently and as part of a team.
• Attention to detail and accuracy.
• Knowledge of regulatory requirements and compliance standards.
• Proficiency in Microsoft Office Suite.
• Ability to handle confidential and sensitive information.
• Ability to work flexible hours, including Saturdays.
• Ability to work in a fast-paced, dynamic environment.
• Ability to work with diverse populations.
• Ability to prioritize and manage multiple tasks simultaneously.
• Ability to adapt to changing priorities and deadlines.
• Ability to work collaboratively with colleagues and stakeholders.
• Ability to build and maintain strong relationships with members and colleagues.
• Ability to coach and mentor team members.

Benefits

• 100% Company-Paid Health, Dental, Vision, Life, and Long-Term Disability Premiums
• Up to 26 days of PTO within your first year, as well as Volunteer Time Off & 11 Paid Holidays
• Tuition Reimbursement
• Up to 12 Weeks of Paid Parental Leave

Pay

$21/hour dependent on experience

Schedule

This position requires working a standard 40 hour week during Branch hours of operationsMonday - Thursday 8:45am - 5:45pmFriday 8:00am - 6:15pmRotating Saturdays 8:45am - 1:15pmEmployees work every other Saturday and receive a consistent day off during the week to offset their hoursScheduled hours could change based on business need and future department growth.

Qualifications

• High School Diploma, GED or equivalent.
• Availability to work during branch hours (Full time up to 40 hours per week and Part time up to 29 hours per week), including Saturdays, and to support other locations to meet needs across the branch network.
• This position requires experience within financial services, banking, or lending environments, including demonstrated knowledge of financial products and services, as well as familiarity with lending regulations, compliance standards, and operational processes.
• Competencies: Core Competencies that must be demonstrated by all Credit Union employees include Communicate, Navigate Change & Evolve, Solve Problems & Make Decisions, Plan, Prioritize, and Achieve, and Collaborate.
• Functional Competencies: Member Sales - Effectively leverages opportunities and generates leads to cross-sell products and services with integrity, supporting member needs while achieving individual, department, and organizational goals. Superior Service - Prioritizes and acts on the needs of members and employees. Sets the tone and establishes rapport. Acknowledges and clarifies while committing and providing guidance. Summarizes and closes the interaction positively. Product Knowledge - Demonstrates knowledge of products, services, and relevant details offered or supported within the position. Adherence to Procedures - Includes knowledge of relevant external and internal policy and compliance procedures. Initiative - Takes proactive and prompt action to accomplish work goals. Takes action to achieve results beyond requirements. Conflict Resolution - Works effectively through an antagonistic situation to minimize relationship damage and promote shared goals. Uses appropriate interpersonal methods to reduce tension or conflict and facilitate agreement. Systems Knowledge - Demonstrates knowledge of specific Credit Union programs and applications and successfully navigates these systems. Detail Orientation - Ensures information is complete and accurate. Adheres to processes as outlined. Follows up to ensure quality and completion of work. Teamwork - Works well with internal and cross-functional teams to achieve individual, team, department, and/or organizational goals. Values diverse perspectives and working with others to achieve the best outcome possible. Self-Awareness - Self-reflects on behavior and how emotions affect others. Situationally modifies behavior to improve outcomes and build relationships. Knows, leverages, and displays strengths and vulnerabilities. Creativity and Innovation - Thinks beyond the confines of traditional models to recognize opportunities and identify new and better processes. Encourages experimentation and accepts failure as a driver of innovation. Mentorship - Helps others build awareness, confidence, and resources necessary to fulfill their potential, regardless of reporting relationship.