• Reviews and processes 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 received in-branch, online, and indirect.
• Reviews all supporting loan documentation to ensure they meet underwriting guidelines, including but not limited to: credit reports for credit history; pay stubs and other income documents; collateral being used as security; third party documentation (dealer contracts, letter of guarantee, valuation, etc.); and miscellaneous documents provided by applicants.
• Refers loans to manager or designate for decision (pre-approval, final approval, or denial).
• Forwards all approved loan applications to Member Service Representative for closing.
• Supports Member Service Representatives with loan information needed to assist members.
• Loan documents by 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.
• Purges paid off loans from files and returns appropriate documents to members; updates credit union records, files mortgage policies.
• Complies with all requirements of the credit union 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.

The following duties are completed in an accurate and timely manner:

• Loans are processed accurately and underwritten to credit union policies and procedures.
• Executed documents are accurate and in compliance with all lending policies.
• No compliance issues on all closed and completed loans.
• Maintain good relationship with all outside vendors, to include Auto Finance Managers 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 desired.
• Knowledge of lending regulations.
• Basic knowledge in processing/underwriting loans.

Experience Required:

• Two years clerical/financial institution, loans, processing or customer service experience.

Skills/Abilities:

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