Job Description

Pay Range: $22.80-$27.34

Remote Eligible: Hybrid

We offer a pay-for-performance compensation program including bonuses for all employees and a competitive benefits package. See

https://www.cuofco.org/careers

for a high-level overview of our benefits package and bonus offerings.

General Purpose of the Position

Responsible for processing all consumer loan applications in accordance with established guidelines and regulatory requirements. Obtains and verifies necessary information related to each loan. Prepares pertinent documents needed for consumer loan products, ensuring that all underwriting conditions are met prior to loan disbursement. Communicates loan status to applicants on a regular basis. Prepare loan applications for loan disbursement/closing. Ability to work in a team dedicated to providing world class service that will maintain and grow a member's relationship with Credit Union of Colorado. Manage a pipeline of loans and be responsible for directing all efforts related to providing excellent member service by demonstrating courtesy and personal concern for members. Effective communication with internal and external members is critical in meeting key performance metric and contributing to the success of the team.

ESSENTIAL DUTIES AND RESPONSIBILITIES

Maintains a high level of service, consistency, and professionalism to both internal and external members at every interaction. Assist members with loan requests, including online applications and processing. Execute active listening skills to evaluate and ensure that applicants are in the right loan product and that the loan product for which they applied meets their needs. Prioritize workload by executing timely follow and communication on every loan application assigned to effectively manage individual consumer loan pipeline. Processes consumer loan applications within established guidelines, policies, procedures, and timelines. Assume primary responsibility for the loan and proactively communicate with members, internal staff members, sellers, etc. to provide updates, respond to inquiries and resolve problems in a timely manner. Inbound and outbound lending phone calls for consumer loan processing follow up Requirement to be logged into a phone queue to provide support to internal staff and members with proper off phone disposition during assigned business hours. Review all completed documents for accurate information, provide documents/loan notes, complete any outstanding loan stipulations, and fund loan. In office rotational requirement for check printing/mail handling. Research and resolve internal/external member issues in a timely, consistent, and professional manner. Performs to daily department standards and promotes member satisfaction, retention, and expansion. Maintain accurate reporting of department deliverables and goals, appropriate tracking, and measurement of contributions toward department activity and results. Ability to present multiple loan solutions to members when cross sell opportunities are available. Maintain accurate preparation on loan applications as well as closing documents minimizing data entry errors for efficient loan processing. Facilitate collateralized vehicle loan transactions to include verification of member information, title information and purchase information as required. Communicate professionally with members by phone and in writing. Facilitates the clearing of underwriting stipulations by communicating requirements to borrowers then updating documents with obtained information. Ensure current rate and term are accurately reflected on each transaction ensuring correct disbursement of funds. Review, address, and clear fraud alerts showing on credit reports and by reviewing other resources Review, address, and clear identity discrepancies by reviewing information stated on application vs. credit report. Act as out of office contact for peers and manage delegated loan pipelines in their absence. Sending of loan closing documents to applicants via Docusign and regular follow up to ensure timely closing. Scheduling in person loan closings and prepping closing documents for signature prior to scheduled appointment. Provide support regarding applications in process to various departments through phone, email and chat. Stays informed regarding developments and changes in the lending industry, including best practices. Actively promotes and contributes to the achievement of departmental as well as organizational goals. Embraces ongoing education, learns/applies new skills and implements usage of new software applications for efficient loan processing. Represents the Credit Union in contacts with business and vendor relations. Assists with special projects and promotional activities as needed. Holds member account information in strictest confidential manner. May be required to comply with NCUA requirements and register as a Mortgage Loan Originator and keep a current registration in compliance with the SAFE Act. Proactively solve problems for members, acting in the best interest of the member and the Credit Union. Collaborate across many departments and branches to provide valuable solutions for our members via phone, email, chat and in person interactions. Assist coworkers with learning and development to ensure the team is cohesively performing to organizational standards. Performs miscellaneous clerical functions and account maintenance within core system. Attends and participates in meetings as required. Prepares and completes special presentations or projects as assigned. Adhere to all Federal and State laws and regulations applicable to the credit union, including REG B, FCRA, REG Z, Bank Secrecy Act and OFAC. Understands regulatory requirements including fee tolerance and compliance with the Fair and Accurate Credit Transaction Act (FACTA), the Bank Secrecy Act (BSA) and the Anti Money Laundering Act, including monitoring for such illegal activity as it applies to this position. While performing the duties of this position, the employee will view, have access to, and work with confidential financial data. The employee in this position must adhere to strict confidentiality policies and procedures. Represents the Credit Union in contacts with business and vendor relations as well as ensures that the Credit Union's professional reputation is maintained. Other duties as assigned.

Requirements

EDUCATION AND EXPERIENCE

High School diploma or equivalent (GED). Required one year experience in a Credit Union or financial services organization with emphasis on consumer lending

OTHER SKILLS AND ABILITIES

Ability to add, subtract, multiply, and divide in all units of measure, using whole number, common fractions, and decimals. Excellent verbal, written, and interpersonal communication skills with the ability to explain loan programs, loan terms, features, policies and benefits to members and business partners. Good organizational, time management, and problem-solving abilities. Ability to work a flexible work schedule Monday through Saturday from 7:30 am to 6:00 pm. Typing and data entry. 10-key calculator. Microsoft Word, Excel, and Outlook; Symitar systems a plus. Thorough knowledge of Credit Union services and products. Ability to establish and maintain effective working relationships with other administrative officials and the public. Ability to apply interpersonal skills that develop member confidence, respect and trust in Credit Union of Colorado and develop cooperative relationships with all levels of people throughout the organization.

PHYSICAL DEMANDS

While performing the duties of this job, the employee is typically required to sit for long periods. The employee continually is required to talk or hear. The employee is occasionally required to stand, walk, stoop, and reach with hands and arms. The employee will occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision and the ability to adjust focus. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Core Competencies

Every position at Credit Union of Colorado is grounded in our organizational Values and Core Competencies. These skills and behaviors guide how we work, collaborate, and deliver results. Click here to view our Values and Core Competencies on Atlas.

Credit Union of Colorado is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity or expression, national origin, age, disability, genetic information, marital status, veteran status, or any other characteristic protected by applicable federal, state, or local laws.

Please note applicants can redact any information that identifies their age, birth date, or dates of schooling on either their resume or any additional materials provided.