Senior Loan Officer

Job Description

Job Description

ROLE :

Performs a variety of advanced duties in the area of daily loan operations, ensuring efficient, compliant, and member-focused lending processes. Provides guidance and mentorship to staff, supports lending growth initiatives, and contributes to the Credit Union’s mission of improving members’ financial well-being.

JOB DUTIES AND RESPONSIBILITIES :

Conducts comprehensive loan interviews with members to assess financial needs, explain available loan options, and provide personalized financial counseling to support sound borrowing decisions.

Reviews, evaluates, and processes consumer loans, ensuring adherence to internal policies, credit union lending guidelines, and applicable regulations. Determines loan approvals or denials with sound judgment and documentation.

Prepares and processes collateral documentation, including title work and lien perfection, ensuring compliance with state and federal requirements.

Analyzes and processes credit card applications, including requests for new accounts, limit increases, or denials, in accordance with underwriting standards.

Responds promptly and professionally to member inquiries and communications related to loan products, status updates, and servicing issues, including escalations from the call center or other departments.

Provides timely and accurate information through incoming calls, emails, texts, and other channels, delivering a high standard of member service and maintaining confidentiality of member information.

Prepares, processes, and coordinates real estate loan documentation for underwriting, approval, and closing, ensuring accuracy, completeness, and regulatory compliance.

Actively promotes, cross-sells, and educates members on Credit Union products and services—including deposit accounts, consumer loans, electronic and convenience services, payment protection, GAP, and mechanical breakdown coverage—to support financial wellness and deepen member relationships.

Collaborate with loan operations, underwriting, and compliance teams to ensure efficient workflows, identify process improvements, and to maintain service excellence.

Provides mentorship, training, and technical support to loan operations staff as needed. Serves as a backup resource for daily operations and other related duties as assigned.

EXPECTATIONS :

1. To provide friendly, prompt, professional and accurate service and support to all members and co-workers.

2. To maintain an excellent knowledge of financial services offered by the Credit Union

3. To be knowledgeable of competitors financial services.

4. To maintain a professional work environment and businesslike appearance.

5. To troubleshoot and resolve member and internal inquiries in a timely, friendly and accurate manner.

6. To maintain a dependable record of attendance and timeliness.

7. To participate as a team member in the department.

8. Cross-train in other departments as needed and attend all training relative to position.

QUALIFICATIONS AND POSITION REQUIREMENTS :

Experience : 3-5 years lending experience with home equity lending experience preferred

Education : A high school education or GED

Interpersonal Skills : Must have a pleasant personality with the ability to communicate effectively,

ability to get along with co-workers and members, dependable and punctual and

must be able to retain confidential information and make mature and professional

decisions based on knowledge of Credit Union policies and procedures.

Other Skills : Must be efficient and accurate with a calculator and a computer.

Must be able to compose meaningful written correspondence.

Must possess satisfactory reading, writing, arithmetic, clerical, and communication skills.

Company Description

A little lady with a big dream began a legacy that has lasted for more than 70 years. With the support of Harris County officials and others, Thelma Joyce Alsup—a hard-working employee in the sheriff’s department—established Harris County Federal Credit Union in 1951 with the commitment of providing affordable loans with reasonable interest rates for all County employees.

Today, HCFCU serves members throughout Harris County with a full spectrum of financial solutions including checking accounts, savings accounts, investments and competitive lending solutions.

Company Description

A little lady with a big dream began a legacy that has lasted for more than 70 years. With the support of Harris County officials and others, Thelma Joyce Alsup—a hard-working employee in the sheriff’s department—established Harris County Federal Credit Union in 1951 with the commitment of providing affordable loans with reasonable interest rates for all County employees.\r\n\r\nToday, HCFCU serves members throughout Harris County with a full spectrum of financial solutions including checking accounts, savings accounts, investments and competitive lending solutions.