• Reviews, processes, and decisions all home equity loan applications per credit union policy and procedure(s), including but not limited to: home equity lines of credit, home equity loans, and green loans.
• Reviews processes and decisions all consumer loan applications per credit union policy and procedure(s), including but not limited to: personal loans and personal line of credits, new and used auto loans, and Visa applications.
• Reviews and processes consumer, and home equity loan applications received through in-branch, online, and indirect channels.
• Reviews all supporting loan documentation to ensure that they meet underwriting guidelines.
• Approves consumer and home equity loan application within assigned approval limits.
• Coaches, teaches, trains support personnel within the Central Lending department on the intricacies of loan underwriting.
• Works with third parties (escrow officers, realtors, and mortgage servicers, etc.).
• Processes subordination requests to credit union policy and procedures.
• Reviews and stays abreast of regulations as it pertains to all loans.
• Forwards all approved loan applications to branch staff for closing.
• Supports Member Service Representatives with loan information needed to assist members, loan documents, and obtaining all necessary information and forms to complete documentation accurately.
• Processes paperwork to properly book a loan – securing all collateral, sending documents for recordation, setting up automatic payments, following up and executing automobile liens, follows up on dealer letters of guarantee.
• Complies with all requirements of the credit union’s Customer Identification Program.
• Identifies all cross-sell opportunities and actively sells credit union products and services through daily face-to-face and telephone contact to existing membership and potential members.
• Performs other duties as needed.
• This is not a remote position.

• Provides excellent member service (internally & externally).
• Achieves underwriting and loan production volumes as determined annually.
• Keeps up to date on credit union policies, procedures and services.
• Loans are processed accurately and underwritten to credit union policies and procedures.
• Executed documents are accurate and in compliance with all lending policies.
• Assists in monitoring department goals.
• Maintain good relationship with all outside vendors, to include Auto Finance Managers, realtors, and escrow and title companies.

Education/Certification:

• High School Diploma or GED is required
• Must be registered with the Nationwide Mortgage Licensing System.

Required Knowledge:

• Basic understanding of MS Office Suite is required.
• Knowledge of lending regulations.
• Basic knowledge in processing/underwriting loans.

Experience Required:

• Four years of experience in lending with an understanding of underwriting home equity loans.
• Minimum of two years experience underwriting and processing first mortgage loans.
• One-year supervisory experience preferred.

Skills/Abilities:

• Excellent verbal and written communication skills.
• Good member service skills, ability to work with a team.
• Excellent analytical, creative, and problem-solving skills.