LPC Loan Officer-Hybrid

Responsibilities

• Cultivates strong member relationships by providing high-quality service and identifying financial needs to recommend appropriate products and services.
• Supports department sales goals by promoting and selling a full range of financial products, including depository products, consumer loans, insurance, and real estate loans.
• Executes the Credit Union’s Member Experience protocols, assessing member financial needs and identifying referral opportunities for business partners such as Financial Consultants, Business Banking, and Insurance Services.
• Utilizes credit scoring, sound lending practices, regulatory requirements, and sound judgment to make informed lending decisions for the benefit of members.
• Clearly explains loan denials, explores alternative options, and advocates for members as needed.
• Processes member applications, including loan funding and payment setup, with accuracy, efficiency, and attention to detail.
• Ensures the quality and accuracy of all work performed.
• Identifies business development opportunities through outbound calling efforts and other initiatives.
• Responds promptly and professionally to member inquiries via telephone, credit union SMS, and/or email, addressing member questions and other member needs.
• Maintains individual pipelines for timely follow-up, ensuring all members requesting consumer and real estate applications are contacted to confirm delivery.
• Conducts fraud prevention efforts through detailed interviews, documentation review, and identifying high-risk factors using credit reports.
• Participates in staff development programs and may assist in training and mentoring other team members to promote continuous improvement in sales, service, quality, and teamwork.
• Ensures compliance with all applicable laws, regulations, and Credit Union policies, including Fair Lending Practices.
• Maintains accurate and current files, performs routine office duties, and handles other responsibilities as assigned.

Qualifications

• Education: Minimum High School or GED, Preferred 4 year / Bachelor's Degree.
• Experience: Minimum Years of Experience: 3, Preferred Years of Experience: 4. Must have prior experience as a loan officer or relevant experience in the financial services industry. Call center experience a plus.
• Knowledge, Skills & Ability: Superior oral and written communication skills as well as excellent telephone manners and technique using a headset. Thorough working knowledge of depository & loan products, services, insurance of accounts, account vesting, consumer and real estate lending. Thorough knowledge of verifying and understanding income documentation. Ability to multi-task working in multiple systems simultaneously. Working knowledge of the Microsoft suite of Office products. Successfully completed New Hire Training, New Accounts, Consumer and Real Estate Loan Training program, Membership Officer Authority, Contact Center Basics, and Certified Credit Union Financial Counselor within 6 and 9 months respectively.