Consumer Loan Officer
Company: NW Priority Credit Union
Location: Portland
Posted on: January 27, 2023
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Job Description:
Description:NW Priority Credit Union is excited to offer a
position within our Loan Department at our Main Office. As a
Consumer Loan Officer, you will work directly with members from the
start of their loan to the very end. Your prior lending experience
will be a breeze in making connections and learning about their
lives to offer the best loan solutions. The credit union provides
many types of consumer loans to accommodate our members. You also
work with other departments, providing support while upholding the
credit union philosophy of people helping
people.Requirements:Performs lending functions in conformance with
established credit union policies and procedures. Interviews loan
applicants in person, by telephone and e-mail, gathering required
information for credit applications, explaining loan options,
rates, terms and collateral requirements.Provides routine
information on credit union loan services, types of loans
available, eligibility requirements, rates, terms and collateral
requirements. Provides financial counseling.Recognizes members
needs for various services and cross sells credit union services
when appropriate or refers members to appropriate department when
necessary.Answers routine member inquiries regarding account
balances, payment amounts, status or history. Gives Blue Book
information upon request.Obtains credit reports when required,
verifies debts, calculates monthly payments, calculates debt ratio,
verifies income, determines collateral needs and verifies insurance
coverage for each applicant.Approves loans to a predetermined loan
limit. Refers loans over predetermined limit to designated
individuals.Prepares loan documents, including notes, security
agreements, payroll deduction authorization, vehicle title forms,
etc. Verifies that all documents have been accurately completed.
Prepares disbursement checks.Performs other duties as assigned.Job
Experience: Minimum three years underwriting and interviewing
experienceSoftware Skills: Excellent computer skills with knowledge
of Microsoft Office software.Physical Demands: Required to sit for
extended periods and occasional walking to provide member services.
Noise level moderate to high in immediate area and normal range of
hearing necessary to communicate by telephone and in person with
staff and members. Finger manipulations required for data entry
into computer.Work Conditions: Regular work day with occasional
overtime. Exposed to potentially hazardous conditions
(robbery).Other Skills: Strong organizational and analytical skills
required to resolve member/staff questions or problems. Must
demonstrate excellent written and oral communication skills. Strong
interpersonal skills to represent the Credit Union professionally
and positively to members and to interact daily with staff and
management. Ability to exercise judgment and maintain
confidentiality in dealing with membership and staff. Must be able
to analyze situations, weigh alternatives and make independent
decisions. Ability to complete or resume tasks despite
interruptions.Benefits100% Employer-paid health, vision,
prescription and dental insurance option for all full-time
employees. 45% Employer-paid dependent coverage.401(k) plan with
generous employer match - NWPCU matches up to 4% AND gives 6% of
the annual salary.100% Employer-paid life insurance/AD& D package
(up to $50,000)Paid vacation and sick time11 paid HolidaysShort and
long term disability (We cover 50% of the premium)
Keywords: NW Priority Credit Union, Portland , Consumer Loan Officer, Other , Portland, Oregon
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