Description Job Summary: This role plays a pivotal part in advising, reviewing, and evaluating members' lending needs for auto, personal, credit card, and home equity lines of credit. Essential Job Duties: General loan responsibilities: • Evaluate loan applications and documentation by confirming creditworthiness. • Improve loan applications and documentation by informing the applicant of additional requirements. • Complete loan contracts by explaining provisions to the applicant; obtaining signatures and notarizations; collecting fees. • Help members by answering questions, responding to requests. • Maintain confidence by keeping loan information confidential. • Ensure compliance with all regulatory requirements and internal policies. • Manage the loan process from application to disbursement and beyond, including regular follow-up with members to assess their financial status. • Educate and advise members on such matters as appropriate financial planning, policies, and rates. • Provide comprehensive memo notes for the underwriter's review that contain relevant information to assist in loan decision-making. • Perform other duties as assigned by management. Consumer loan responsibilities: • Input information into the consumer loan operating system. • Manage the loan process from application to disbursement and beyond, including regular follow-up with members to assess their financial status. • Evaluate credit worthiness and utilize credit reports to verify accuracy of the loan application. • Verify and inspect collateral offered. • Calculate loan payments, determine loan to value (LTV) and ascertain loan payoffs to other financial institutions. • Process and review loan applications that are initiated through an indirect (third party) partner. HELOC loan responsibilities: • Evaluate and process applications for Home Equity Lines of Credit (HELOC) in accordance with company policies and regulatory guidelines. • Determine appropriate credit limits and terms for HELOC products based on borrowers' financial status and equity in their homes. • Provide guidance and information to applicants about HELOC products, including interest rates, repayment terms, and the application process. • Work closely with underwriters and loan processors to ensure timely and accurate processing of HELOC applications. Requirements Required Skills/Abilities: • Excellent interpersonal and negotiation skills. • Excellent organizational skills and attention to detail. • Strong proficiency with Microsoft Office applications. Familiar and comfortable with information technology, particularly digital means of communication. • Strong organizational skills in managing multiple initiatives. • Strong analytical and problem-solving skills. • Proficiency in assessing creditworthiness and understanding credit scoring systems • Proven ability to meet and exceed sales targets • Bilingual abilities may be preferred, depending on the market served Knowledge: • Strong knowledge of consumer loan products, regulations, and market trends • Strong knowledge of compliance with federal and state lending regulations (e.g., Equal Credit Opportunity Act, Fair Lending, Truth in Lending Act) • Current registration with the Nationwide Mortgage Licensing System (NMLS) or ability to become registered upon employment Education and Experience: • Minimum two years’ experience in consumer lending or directly related experience • Minimum high school diploma/GED or more than two years of related experience Physical Requirements: • Prolonged periods of sitting at a desk and working on a computer. • Must be able to lift 5 pounds at times.