Senior Loan Officer

Prince George’s Community FCU
We are seeking a Senior Loan Officer to support our membership initiatives and provide service to our membership in the branches.

Under general supervision, but in accordance with established policies and procedures, the Senior Loan Officer evaluates, authorizes, or recommends approval of consumer, home equity credit loans; communicates with and advises borrowers on financial status and payment methods, and performs quality control measures on loan packages to ensure fair, efficient and profitable lending services that serve the credit union’s overall loan objectives.

This is a full-time position (Monday thru Friday) and the ideal candidate will have the flexibility to work occasional community events (once or twice a year), must consistently uphold the mission, vision, and core values of the credit union, and possesses the ability to cope in a team focused, fast-paced sales and service culture.

Duties and responsibilities:
• Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting consumer and home equity loans; improve loan application and documentation by conducting productive interview sessions and informing members of additional requirements
• Assist members and potential members in understanding and utilizing Credit Union products and services and make suggestions on which loan products could better suit member’s needs
• Respond to questions and/or provides information upon request from members (internal and external) and process requests/transactions, as appropriate
• Approve loans within discretionary limits as determined by the Chief Lending Officer
• Maintain loan documentation in member file, ensuring all policies and procedures of the Credit Union are followed; update loan records such as changing payment schedules or updating due dates as required; and audit files to insure that all required documents are present and accounted for
• Utilize tact and experienced-based knowledge to resolve consumer lending problems by explaining specific policies and products, while representing the Credit Union in a professional manner and maintaining positive member relations
• Assist Member Service Representatives/Call Center on any member loan questions
• Assist Operations Specialist with incoming titles from MVA
• Perform other Lending and administrative duties as assigned by the Chief Loan Officer, to include report monitoring, etc.

Necessary qualifications, skills and abilities:
• Requires High School Diploma or equivalent (GED)
• Minimum 3 years lending experience, previous MSR, Loan support experience desirable. Previous credit training preferred
• Demonstrated knowledge of credit union lending policies and procedures
• Requires basic knowledge of Microsoft Word and Excel
• Ability to read and interpret documents such as spreadsheets, credit analysis, and relevant policy, procedural and regulatory manuals
• Ability to tactfully question, actively listen and negotiate effectively with members and support staff
• Strong interpersonal and verbal communication skills (Spanish speaking a plus) as well as an ability to write professional correspondence
• Ability to cope with the pressure of a fast-paced environment and working directly with members who may frequently be impatient or irate
• Ability to exercise discretion and independent judgement in interpreting policies and procedures, to make sound decisions, take action and accept responsibility for the outcome
• Ability to comprehend and communicate the terms and benefits of all products, services, lending products, policies and guidelines, etc., to facilitate comprehensive financial services to members
• Actively and enthusiastically facilitates the cross-selling of various credit union products and services
• Ability to meet deadlines, multitask and pay attention to detail
• Ability to operate general office machines and equipment

For consideration, please complete our online application:
https://www.princegeorgescfcu.org/forms-applications/employment-application