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Consumer Loan Officer

Job Description

We are growing Credit Union and need Full-time CONSUMER Lenders and a CONSUMER loan Processor. (Note: This does not include Mortgage Loan officers, nor Mortgage loan Processors.)


We are seeking candidates who have a passion for helping people, have exceptional personalities, great work ethic, dependable and driven.


Employees will examine all documentation to ensure accuracy and compliance within existing loan underwriting policies, laws and guidelines. Applicant will work closely with members in all areas of consumer lending, including interviewing, origination, underwriting, processing and the servicing of loans. Applicants must have a minimum of 2 years of prior consumer lending experience.


Duties / Responsibilities:


Following training:



  • Primary function will be to work one on one with members to assist in all lending areas

  • Use independent judgment while processing multiple types of consumer loans while following employer's policies, procedures within State and Federal laws.

  • Some knowledge in mortgage lending is helpful as we do write Home equity, 2nd mortgage and real estate loans. (However, 90% of our loan portfolio is consumer lending, so consumer lending experience--is a must)

  • Verify accuracy of loan applications according to current policies & procedures. Input information into our lending system with accuracy and efficiency.

  • Provide assistance to members in answering any loan related questions.

  • Have a passion for lending with an ability to sale all products and services.

  • Add liens on motor vehicles and other collateral types. Submit necessary documents to the appropriate entities. Process UCC transactions to secure liens on non-titled property.

  • Perform other duties as assigned by the Lending Manager.

  •  

  • Minimum Qualifications:

  • Knowledge of Consumer credit and lending processes and procedures.

  • Minimum 2 years' experience within a lending environment.

  • Familiar with banking rules and regulations for Lending


Bachelor degree in Business related field or equivalent work experience.



  • Knowledge of financial institution's products & services offered.

  • Good problem solving, written and verbal communication skills, with and the ability to work independently, efficiently and as a team.

  • Interpersonal Skills:


Purposes of giving or obtaining information, building relationships, or soliciting cooperation.



  • Excellent verbal and written skills

  • Ability to multi-task and work efficiently on various jobs at any given time.

  • Ability to work extended hours as business and staffing needs arise.

  • Be available and eager to assist in Lending promotional sales and events

  • Follow all policies and procedures of employer while staying up to date on Federal & State Lending Rules, Regulations and Compliance.


Competitive Salary and Benefits including Humana Medical, Dental, Vision, Life, Long term disability, with an excellent Retirement benefit. Other benefits include paid Vacation, Federal Holidays plus Good Friday & Birthday off. More paid benefits include Humana Go365, paid Gym membership, Christmas bonuses and more!


Job Types: Full-time


We have 2 Consumer Loan Officer positions open and 1 Consumer Loan Processing position open.


Branches to be served are Oakwood GA and Gainesville GA .


 


 


 



Company Description
Originating in 1969, Lanier Federal Credit Union has grown to serve over 5,500 members ... & growing!
LFCU is a federally chartered Community Credit Union with offices located in Oakwood, GA and Gainesville, GA with plans to continue adding branches in the future.
LFCU's community Credit Union consists of people who live, work, go to school or church within Hall County, GA. LFCU offers a full range of products & services that you would expect at mega-banks but offered at no, or minimal the cost that you would find at a bank.
LFCU prides itself by offering very competitive rates. It's normal process is to pay higher dividends to its members who save and lower loan rates with minimal, if any fee.
Our staff is made up of people whose passion is to go over and beyond to help others.
It is hard to sum us up with one motto, so a few of our mottos follow:
"Where people are worth more than money!"
"Better than a bank!"
and "People helping People."



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