Loan Officer (Remote - Call Center) Loan Trained FSR/MEO needed
About the position Responsibilities • Provides exceptional member service via inbound calls and online/mobile channels for credit union membership by assessing member needs, advising to improve their financial situation. Which includes opening new accounts, servicing existing accounts, and explaining our products and services that best suit our member’s needs and accomplish the credit union objectives. • Recognizes member needs, educates on options for managing financial transactions through MACU tools, resources, technology and cross-sells products and services as needs arise through a consultation approach. • Consistent focus on increasing member satisfaction, building the membership base and account retention. Expected to meet sales and service goals. • Resolves problems by clarifying member complaints, determining the cause of the problem, providing the best solution to resolve the problem, expediting correction or adjustment, and following up to ensure resolution. • Interviews members and originates loans by accepting, reviewing, and approving loan applications via the phone and online/loan channel. • Interviews loan applicants, reviewing credit report and cross-sells loans. • Evaluates and verifies loan applications and credit criteria. • Computes debt ratios. • Verifies employment and income. • Determines value of collateral. • Recommends loan decisions and cross sells to meet member needs. • Conducts processing and closing documents for personal, RV, auto, business loans, and HELOC loans. • Effectively hands off to underwriting department within limits of authority and notifies applicant of loan decisions. • Complies with all regulations as required by law, including but not limited to Bank Secrecy Act, OFAC, FACT Act, GLBA, Regulation CC (funds availability), Regulation DD (TIS) and other regulations as required by law as it relates to their position • Works in conjunction with other business partners (Home Equity, Mortgage, Underwriting, Consumer Lending and Loan Servicing) to ensure we adhere to all established Federal regulatory guidelines. • Performs necessary verification process • Represents the credit union in a professional manner, both in dress and in actions • Keeps work area neat and clean • Responds to online/chat/email/voicemail/missed calls/other communication in a timely manner • Actively participates and completes product knowledge courses • Complies with all regulations as required by law • Performs other duties as assigned Requirements • At least one year of retail banking or related sales and customer service experience. • Ability to satisfy immediate and unexpected needs, by recommending credit union products and services with knowledge and confidence. • Ability to work efficiently and effectively within multiple channels of inquiries. • Ability to effectively communicate with member via phone to assess, advise and assist in loan application. • Ability to manage large amount of loan applications. • Ability to multi-task and maintain composure while handling all member activities and requests. • Ability to prepare loan documents and cross-sell financial services of the credit union to ensure quality service. • Ability to perform mathematical calculations. • Thorough knowledge of credit union policies, procedures, and regulations. • Ability to communicate effectively using written and verbal communication. • High school diploma or equivalent • Training to be completed generally during the first 90 days: Annual Loan Certification Product Knowledge Training New Account Training IRA Training Loan Training Loan Follow-up Training NMLS Certification • Must be able to qualify annually as a Mortgage Loan Originator under S.A.F.E Act Registration • Intermediate computer operating skills • Intermediate skills in Microsoft Office (Outlook, Word, Excel) • Type a minimum of 35 words per minute preferred Nice-to-haves • Symitar experience preferred Apply tot his job