Loan Specialist

Atlantic Financial FCU
The Loan Specialist is responsible for timely maintenance of all credit union member loans.

Essential Duties and Responsibilities:
Protects the interests of the credit union and limits risk exposure by ensuring that all loan collateral is insured.
Verify incoming loans for accurate financials and rates, appropriate approvals, documents, disclosures, and signatures, and follow-up with these items as needed before filing the loan
Approve loans according to appropriately assigned lending authority.
Scan all supporting loan documents and maintain digital records on file
Respond to inquiries from members and employees on issues with existing loans
Research and actively resolve problems with current loans.
Provide back-up assistance in the department, filling in as needed for other positions
Assist with testing of new loan processes and procedures
Assist in meeting the objectives for the department as set forth in the credit union’s strategic plan
Independently applies and carries out policies and procedures within assigned area of responsibility
Cross-sell credit union products and services based on member needs
Maintain the inventory of loan related documents, review for updates, and re-order as needed
Comply with credit union policies for all employees, including fraud policy and computer usage policy
NMLS ID registration
Take, process and underwrite Home Equity products
Attend credit union training as required
Other duties as assigned

Intermediate computer knowledge and experience with Microsoft Office programs such as Word, and Excel required
Experience with Encore software (SCC) and the Symitar operating system is preferred
Ability to learn and use vendor software, external websites, and company’s core processing system.
Ability to work accurately with numbers and perform intermediate mathematical calculations with accuracy.
Experience with a 10-key calculator is required
Ability to work independently with minimal supervision
Ability to exercise judgment, logic, and initiative with integrity
High degree of accuracy with attention to detail required
Ability to interpret and explain instructions, policies, processes and procedures
Creative problem-solving skills to effectively identify and resolve loan issues with member accounts
Communicate and interact with members and co-workers in a professional, courteous and confidential manner
Effective interpersonal, verbal, and written communication skill
Ability to maintain composure under pressure and manage stressful situations with patience and courtesy
Take initiative and lead by example
Performs at a consistently high level

Education and/or Experience:
Minimum three years experience in a financial institution; specifically working with loans in lending or branch operations
Minimum two years of customer service experience/call-center environment preferred
Must be bondable and maintain bondability throughout employment with the credit union
Advanced knowledge of credit union loan processing, preferably in Symitar systems

Physical Demands:
Sit for long periods of time and sometimes stand
Reach and stoop
Close vision and ability to adjust focus
Occasionally lift and/or move up to 20 pounds

Work Environment:
Moderate noise level
Office environment

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