Assoc. Loan Officer
Description
40 hours/week
Shifts rotate between M-F 8:00am-5:00pm, 8:30am-5:30pm, and 9:00am-6:00pm and Sat 8:30am-5:00pm
100% onsite in TCU’s Corporate Offices in Vacaville, Ca.
This is a loan officer position for all consumer loan products with the exception of Real Estate/Home Loan products.
Summary: The Travis Credit Union (TCU) Loan Officers are responsible for analyzing and underwriting consumer loan applications and complying with all Credit Union and regulatory guidelines. TCU’s Loan Officers understand the value of providing excellent personalized member service by building and maintaining positive relationships with members and internal/external business partners through all delivery channels.
Profile:
- Analyzes and underwrites consumer loan applications, ensures decisions are in accordance with Credit Union and Regulatory Guidelines to include identifying fraud. Thoroughly documents all loan decisions and compensating factors in loan origination system.
- Ensures quality service is provided at all times when communicating with members and internal/external business partners.
- Proactively monitors loan queues and service requests, ensuring timely responsiveness.
- Completes daily departmental functions such as running and reviewing reports.
- Provides assistance, direction and training to peers and internal business partners.
- Completes ongoing trainings, maintains up-to-date knowledge of Consumer Lending policies and procedures, and Credit Union products and services.
- Identifies opportunities to improve departmental processes to enhance efficiency.
- Assists in all areas of Consumer Lending as needed.
Not all functions/tasks are listed above; however those listed are considered essential.
Skills:
- Ability to navigate and process within multiple interdependent systems and tools.
- Ability to analyze and interpret a credit report.
- Ability to identify, communicate and advocate financial solutions that drive results.
- Ability to work in a fast-paced, team-oriented environment. Efficiently organize work priorities and accurately complete multiple tasks within strict timeframes with minimal supervision.
- Ability to use independent judgment and discretion when reviewing and approving appropriate exceptions to the Credit Union guidelines.
- Ability to work independently and motivated to achieve goals with minimal supervision.
- Ability to meet production standards.
- Effective, professional verbal and written communication skills.
- Advanced mathematical and analytical skills to include rate, ratio and percentage calculations.
Reporting and Experience:
- Reports directly to assigned Consumer Lending management.
- HS Diploma or equivalent and minimum of 2 year equivalent loan work experience
Working Conditions: Work is generally performed within an office environment, with standard office equipment available and usually sedentary in nature. Requires flexibility in work schedule to include working on Saturdays.
Understands the requirements of the Bank Secrecy Act and ensures compliance through monitoring and reporting of member activity as appropriate.
Compensation: Base salary starting range is commensurate with experience:
- Grade 10: $24.22/hour - $29.91/hour
Our compensation philosophy is based on several factors such as (but not limited to) the scope and responsibilities of the position, the candidate's work experience, education/training, and key skills.
At Travis Credit Union, our priority is that our employees and their loved ones are provided with a Total Rewards program that insures their health and welfare safety which allows our employees to focus on the financial welfare of our members and the credit unions objectives. As such, Travis Credit Union offers a robust benefits package to our eligible employees, including competitive medical, dental, and vision insurance, mental health offerings, employee performance incentive plan, merit increases, 401(k) program with immediately vested employer match, generous holiday and vacation policy, and extensive TCU specific perks like employee loan and credit card discounts!
Travis Credit Union is an Affirmative Action Employer
EOE/Individual with Disability/Veteran Status