Consumer Loan Credit Officer Sr-Hybrid

Consumer Loan Credit Officer Sr-Hybrid

Location

US-CA-Valencia

ID

2025-1549

Category

Consumer and Real Estate Lending

Position Type

Full-Time

Remote

No

Overview

The Consumer Loan Credit Officer Sr evaluates members' credit needs by analyzing loan requests primarily outside of the loan matrix. Makes credit decisions on complex loan requests, and possibly employee loans. Coaches and provides feedback to loan officers on lending policy, procedures, and practices. Participates in loan officer training. Participates in lending functions requiring the Advanced Credit Officer's approval authority as directed by management. Develops and maintains effective relationships with internal and external customers. Provides feedback from all channels on all aspects of consumer lending.

Responsibilities

Reviews and "decisions" loan applications, including those falling outside the matrix for Loan Officers.

• Combines credit scoring and sound judgment to make lending decisions for the benefit of the membership.
• Maintains Advance Approval Limits.
• Maintains standards in loan quality, member service, and audit integrity and compliance areas.
• Contributes to evaluating and recommending improvements to department functions (LOS, processes, policy, etc.) Coaches and mentors Loan Officers in interviewing members and underwriting decision process.
• Develops and utilizes resources to identify, prevent, and correct all areas of loan quality, Loan Officer training, and account integrity.
• Explains reasons for denial and explores options for members when loans are denied.
• Assists members and employees with the loan process and all underwriting issues.
• Assists in developing of new programs and methods to improve member services and save money for the Credit Union; implements new loan products and services in accordance with management direction.
• Inputs employee applications, completes the decision process, sets up funding instructions, and submits the service request to fund the loan.
• Ensures loans are reviewed, decisioned, and processed within established LFCU policies and procedures, and federal and state guidelines.
• Troubleshoots problems loans submitted by various delivery channels and collaborates with management and staff to resolve issues.
• Counsel internal and external customers regarding loan decisions, policies, procedures, and guidelines.
• Provides prompt, efficient, and courteous service to members and co-workers.
• Reviews funded loans and prepares assessments as directed by management.
• Cross-sells products and services offered at the credit union when appropriate
• Identifies cross-sell opportunities and coaches Loan Officers on same.
• Validates and develops policies and procedures in line with Credit Union strategic planning.
• Works with peers and leadership from different functions and has an impact across the department.
• Assist new hires with underwriting training and with refresher training for existing Logix employees.
• Accomplish individual and departmental goals and objectives.
• May assist with various reports
• May perform other duties when assigned
• Must consistently report to work on time, as scheduled.
• Works with peers and leadership from different functions and has an impact across the department.

Qualifications

Education

Experience

Knowledge, Skills & Ability

Disclaimer

Logix Federal Credit Union is an equal opportunity employer that does not discriminate in employment opportunities or practices on the basis of race, religion, color, sex, sexual orientation, gender identity, national origin, protected veteran or disability status, or any other status protected by law.

Pay Range

USD $36.32 - USD $54.48 / Hr.