Experience Inc. Jobs

PURPOSE To provide thorough and accurate loan services and other related functions that meet the needs of both the member and the credit union. These responsibilities shall be performed through courteous and accurate transactions and in accordance with established policies and procedures, and with a minimum of supervision.

FUNCTIONS

• Responsible for member marketing of the Credit Union and a knowledge of all services offered to a degree that will enable answering questions, or referring a member for specific services.
• Responsible for contributing to and supporting the attainment of total Credit Union loan volume and membership growth objectives through the delivery of competitive, member-friendly loan products with a positive, upbeat demeanor.
• Responsible for counseling loan applicants, with goal of loan approval, on collateral, procedure, policies and alternatives. Responsible for work up of loan applications.
• Responsible for loan application assessment and approval. Approves loans within prescribed lending limit. Makes recommendations for actions on loans above limit and/or for denial.
• Responsible for scheduling and coordinating loan closings.
• Responsible for the promotion of loans through cross selling, initiating follow-up calls, and correspondence.
• Provide support to MVFCUs indirect lending program.
• Maintain familiarity with credit union policies and procedures contained in all manuals pertinent to job duties to ensure compliance with state and federal laws and regulations relating to lending, licensing and other job duties. Participates in ongoing job related training offered by the Credit Union and other sources.
• Perform other duties as assigned.

PREREQUISITES FOR THIS POSITION:

• Minimum Education: High school graduate or equivalent.
• Minimum Experience: Two years in a progressively responsible position in consumer lending and demonstrated competence in all aspects of the position. Two years experience as a loan officer in required. Experience in dealer relationships highly desirable.
• Personal Characteristics and Skills: Must be of the highest integrityand with personal habits above reproach. A positive attitude and teamwork mentality is essential. Knowledge of financial services is important but equally important is the desire and skill to identify and meet our members needs. Must practice confidentiality and be able to work well under pressure. Must be self-motivated, efficient, accurate, and organized. Must be a mature person with sound judgment. Must have the ability to work effectively with people of varying levels of education and experience and be able to communicate, both written and orally, with same. Must be able to take direction and be willing to seek counsel of supervisor as necessary. Technical skills must include prior training or performance of operating a calculator and a computer terminal. Must type a minimum of 35 wpm.
• Working Conditions: Continuous alertness, precision, and concentration to ensure accuracy and thoroughness of documents and transactions. Frequent performing basic numeric calculations, as well as writing, reading, comparing, and analyzing. Frequent use of judgment, reasoning, patience, and negotiating in solving members problems and in actively cross-selling credit union services and products. Continuous memory demands in recalling credit union policies and services, and state and federal regulations. This position may require extended or irregular hours. Continuous sitting for long periods of time when performing duties related to this position. Occasional lifting up to 20 pounds. Occasional bending, squatting or kneeling to reach supplies on ground level. Occasional reaching above shoulder level to reach supplies overhead. Continuous use of hands in repetitive tasks such as simple grasping, twisting/turning of wrist; finger dexterity to perform various accounting duties such as usi g a ten-key calculator, typing, and entering data into the computer system. Continuous speaking and hearing for interactions with members and coworkers. Continuous clarity of vision of 20 inches or less for normal processing of member transactions.