Member Loan Specialist
APG Federal Credit Union, Edgewood, MD, United States
https://policies.google.com/technologies/partner-sites.www.aboutads.info/choices.Member Loan Specialist page is loaded## Member Loan Specialistlocations:
Edgewood, Marylandtime type:
Full timeposted on:
Posted 9 Days Agojob requisition id:
JR100030**Where Banking Feels Like Belonging**At APGFCU, our values are at the heart of everything we do, empowering us as leaders in the credit union movement. We prioritize purpose and connection in how we serve our members, co-workers and communities - helping to navigate life's little and big moments.**SUMMARY:** Under the direction of the indirect lending manager, this position underwrites all consumer loan product types to include Home Equity Loans and lines ensuring compliance with credit union policies and procedures. This position’s production will meet departmental goals for turnaround time, quality and volume. This position will make independent decisions regarding loan approvals, counteroffers, and denials. Position will proactively develop and implement strategies to align with credit union strategies, to include growing the credit builder segment**ESSENTIAL DUTIES AND RESPONSIBILITIES:****Member Service:** Provide the highest level of member satisfaction and attainment of department and credit union goals. Analyze member needs, match products/ services to maximize member relationships with the credit union and increase member wealth.**Loan Responsibilities:** Acquire loan officer certification within 60days of hire date.
Maintain loan officer certification by meeting both quality and minimum loan underwriting volume standards. Review, interpret and analyze loan applicants’ credit history, income, asset profiles, tax returns, financial statements, and other complex financial information. Assist branch operations with questions regarding loan decisions and financial counseling. Implement and ensure compliance with credit union policies, procedures and regulations for all consumer loans to include Home Equity Loans and Lines. Present strong analytical skills and decision-making ability to make lending decisions.**Loan Service:** Underwrite loans to ensure departmental and personal goals for turnaround time, quality and volume are met. Review loan histories and interview loan applicants, recommend suitable loan products, compile necessary documentation, define collateral requirements, and determine monthly payments. Identify debt held by other institutions and cross-sell loan products to applicants for the transferring of debt to the credit union. Review denied loan requests and make recommendations to supervisor for alternate decision if warranted. Properly communicate loan decisions and refer applicants, when appropriate, to a counseling service. Provide assistance in completing loan applications and associated information. Complete all associated paperwork and correspondence with members as necessary.**Key Performance Indicators:** Responsible for specific, measurable goals for turn time, quality and volume.**Quality Control:** Identify and communicate to credit union management, product or service related issues or improvements which could result in higher quality services for members or improved financial control for the credit union. Maintain adherence to all credit union policies, procedures and regulatory requirements, while demonstrating professional service skills and financial integrity, as due course of business. Perform self- audits to reduce errors and adhere to credit union procedures.**Loan Disbursals:** Perform loan disbursal duties as required or directed. Must be able to assist in auditing and funding loan files received under the consumer retail portfolio.**Additional General:** May assist management, on an as needed basis, with system overrides, difficult member inquiries and coordination of workflow. Perform other related duties as required or directed.**Additional:** Responsible for completion of applicable training and compliance on federal regulations and APGFCU policies and procedures as related to the duties of this position (Bank Secrecy Act, Information Security as examples, if applicable).**QUALIFICATIONS:****Education:** Equivalent to High School education with additional broad specialized training equivalent to 2 years college. Experience can be credited in lieu of education.**Experience:** A minimum of five years of experience with a financial institution as a loan officer with knowledge of products and services, including interviewing loan applicants, underwriting and making loan decisions (loan authority). A minimum of two years’ experience underwriting home equity loans. Experience must include reviewing, interpreting and analyzing loan applicants’ credit history, income, asset profiles, tax returns, financial statements, and other complex financial information.**Knowledge, Skills and Abilities:** Knowledge of the features and benefits of financial institution products and services (to include mortgage products).
Knowledge of consumer credit laws; knowledge of credit reporting/score, knowledge of personal finance – auto buying, credit cards, personal loans, strong critical thinking/analytical skills, excellent verbal and written communication skills, customer service, human relations, on-line computers and business math; ability to work independently and as part of a team, problem solves and make decisions. Must be numbers and detail oriented.**Compensation information:** $46,800.00 to $74,800.00 annuallyOffers are based on experience and education.APGFCU provides comprehensive benefits such as medical and dental (shared expense), vision, 401(k), life and disability insurance, flexible spending account, employee assistance program, referral program, educational assistance, holidays, annual leave and sick leave.**Physical Demands:** The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to stand; walk; use hands to finger, handle, or feel objects, tools, or controls; and talk or hear. The employee frequently is required to reach with hands and arms. The employee is frequently required to sit, stoop, kneel, or crouch. The employee must frequently lift and/or move up to 25 pounds and be capable of transporting related supplies and equipment. Specific vision abilities by this job include vision, distance vision, color vision, peripheral vision, depth perception and the ability to focus.*APGFCU is an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability to Protected Veteran status. Please use the attached link to view the EEO law poster*APGFCU is committed to working with and providing reasonable accommodations to persons of all abilities, including persons with disabilities.
If you need a reasonable accommodation for any part of the employment process, please send to the Human Resources Department and let us know the nature of your request and your contact information. Reasonable accommodations are considered on a case-by-case basis. Please note that only inquiries concerning a request for reasonable accommodations will be responded to from this e-mail address.APGFCU participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S.APGFCU participa en E-Verify y proporcionará al gobierno federal la información de su Formulario I-9 para confirmar que usted está autorizado para trabajar en los EE.UU..For more information, visit:Para obtener más información, visite:We prioritize purpose and connection #J-18808-Ljbffr
Edgewood, Marylandtime type:
Full timeposted on:
Posted 9 Days Agojob requisition id:
JR100030**Where Banking Feels Like Belonging**At APGFCU, our values are at the heart of everything we do, empowering us as leaders in the credit union movement. We prioritize purpose and connection in how we serve our members, co-workers and communities - helping to navigate life's little and big moments.**SUMMARY:** Under the direction of the indirect lending manager, this position underwrites all consumer loan product types to include Home Equity Loans and lines ensuring compliance with credit union policies and procedures. This position’s production will meet departmental goals for turnaround time, quality and volume. This position will make independent decisions regarding loan approvals, counteroffers, and denials. Position will proactively develop and implement strategies to align with credit union strategies, to include growing the credit builder segment**ESSENTIAL DUTIES AND RESPONSIBILITIES:****Member Service:** Provide the highest level of member satisfaction and attainment of department and credit union goals. Analyze member needs, match products/ services to maximize member relationships with the credit union and increase member wealth.**Loan Responsibilities:** Acquire loan officer certification within 60days of hire date.
Maintain loan officer certification by meeting both quality and minimum loan underwriting volume standards. Review, interpret and analyze loan applicants’ credit history, income, asset profiles, tax returns, financial statements, and other complex financial information. Assist branch operations with questions regarding loan decisions and financial counseling. Implement and ensure compliance with credit union policies, procedures and regulations for all consumer loans to include Home Equity Loans and Lines. Present strong analytical skills and decision-making ability to make lending decisions.**Loan Service:** Underwrite loans to ensure departmental and personal goals for turnaround time, quality and volume are met. Review loan histories and interview loan applicants, recommend suitable loan products, compile necessary documentation, define collateral requirements, and determine monthly payments. Identify debt held by other institutions and cross-sell loan products to applicants for the transferring of debt to the credit union. Review denied loan requests and make recommendations to supervisor for alternate decision if warranted. Properly communicate loan decisions and refer applicants, when appropriate, to a counseling service. Provide assistance in completing loan applications and associated information. Complete all associated paperwork and correspondence with members as necessary.**Key Performance Indicators:** Responsible for specific, measurable goals for turn time, quality and volume.**Quality Control:** Identify and communicate to credit union management, product or service related issues or improvements which could result in higher quality services for members or improved financial control for the credit union. Maintain adherence to all credit union policies, procedures and regulatory requirements, while demonstrating professional service skills and financial integrity, as due course of business. Perform self- audits to reduce errors and adhere to credit union procedures.**Loan Disbursals:** Perform loan disbursal duties as required or directed. Must be able to assist in auditing and funding loan files received under the consumer retail portfolio.**Additional General:** May assist management, on an as needed basis, with system overrides, difficult member inquiries and coordination of workflow. Perform other related duties as required or directed.**Additional:** Responsible for completion of applicable training and compliance on federal regulations and APGFCU policies and procedures as related to the duties of this position (Bank Secrecy Act, Information Security as examples, if applicable).**QUALIFICATIONS:****Education:** Equivalent to High School education with additional broad specialized training equivalent to 2 years college. Experience can be credited in lieu of education.**Experience:** A minimum of five years of experience with a financial institution as a loan officer with knowledge of products and services, including interviewing loan applicants, underwriting and making loan decisions (loan authority). A minimum of two years’ experience underwriting home equity loans. Experience must include reviewing, interpreting and analyzing loan applicants’ credit history, income, asset profiles, tax returns, financial statements, and other complex financial information.**Knowledge, Skills and Abilities:** Knowledge of the features and benefits of financial institution products and services (to include mortgage products).
Knowledge of consumer credit laws; knowledge of credit reporting/score, knowledge of personal finance – auto buying, credit cards, personal loans, strong critical thinking/analytical skills, excellent verbal and written communication skills, customer service, human relations, on-line computers and business math; ability to work independently and as part of a team, problem solves and make decisions. Must be numbers and detail oriented.**Compensation information:** $46,800.00 to $74,800.00 annuallyOffers are based on experience and education.APGFCU provides comprehensive benefits such as medical and dental (shared expense), vision, 401(k), life and disability insurance, flexible spending account, employee assistance program, referral program, educational assistance, holidays, annual leave and sick leave.**Physical Demands:** The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to stand; walk; use hands to finger, handle, or feel objects, tools, or controls; and talk or hear. The employee frequently is required to reach with hands and arms. The employee is frequently required to sit, stoop, kneel, or crouch. The employee must frequently lift and/or move up to 25 pounds and be capable of transporting related supplies and equipment. Specific vision abilities by this job include vision, distance vision, color vision, peripheral vision, depth perception and the ability to focus.*APGFCU is an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability to Protected Veteran status. Please use the attached link to view the EEO law poster*APGFCU is committed to working with and providing reasonable accommodations to persons of all abilities, including persons with disabilities.
If you need a reasonable accommodation for any part of the employment process, please send to the Human Resources Department and let us know the nature of your request and your contact information. Reasonable accommodations are considered on a case-by-case basis. Please note that only inquiries concerning a request for reasonable accommodations will be responded to from this e-mail address.APGFCU participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S.APGFCU participa en E-Verify y proporcionará al gobierno federal la información de su Formulario I-9 para confirmar que usted está autorizado para trabajar en los EE.UU..For more information, visit:Para obtener más información, visite:We prioritize purpose and connection #J-18808-Ljbffr