Loan Officer

CA - San Diego

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Primary Objective
Accurately and efficiently process and fund loans, perform miscellaneous operational duties in accordance with established policies and procedures while preventing a loss to the credit union and ensuring excellent member service.
Position Requirements
  • Accurate keyboard skills and familiarity with 10-key calculator
  • Excellent verbal and written communication skills
  • Effective listening skills
  • Detail-oriented
  • Well-organized
  • Easily adaptable to a fast pace
  • Minimum 1 year experience decisioning loans
  • Exercises judgement and independent decision-making
  • Effective ENRICH skills/practices
  • Thoroughly familiar with Company loan products, programs, policies and procedures, and understand all compliance, disclosers, regulations and loan documentation


1. Interview, process and disburse all types of loans within established guidelines in order to provide efficient loan service to members and automobile dealerships.
  • Assist member and/or dealers in loan functions from interviewing to disbursal/denial
  • Communicate loan decision in verbal and written form
  • Act as Loan Committee member (as assigned)
  • Acquire direct loan decision(s) within 24 hours of application being submitted
  • Acquire indirect loan decision(s) within 2 hours of application being submitted
  • Routinely respond to each member or dealer request with the most accurate and complete information available
  • Complete loan audits within 15-days of funding
  • Monitor individual queues/loans to safeguard against any Reg violations
  • Handle multiple tasks simultaneously, prioritizing and completing assignments/job duties within established timeframes
  • Complete all required training within established timeframes
  • Keep management informed of issues, delays and backlogs, offering well thought-out recommendations to rectify
  • Safeguards and protects the personally identifiable information of all member/employee information
  • Anticipates and analyzes problems to develop effective approaches to solving them
2. Keep abreast of current products, procedures, and services to efficiently cross-sell at each opportunity
  • Identify member needs
  • Associate their need with products and accounts
  • Exercise good judgement

3. Assist with Business Development efforts
  • Act as a point of contact for Border Patrol Agents
  • Process loans as needed

4. Back up lending function at all branches
  • Contact members as needed

5. Ensure timely lien perfection
  • Complete DMV documentation accurately
  • Ensure collateral liens are perfected and report any delays

6. Maintain friendly and professional demeanor at all times
  • Provide excellent customer service to co-workers
  • Model appropriate behavior by presenting advice and guidance in a positive and professional way
  • Display enthusiasm, cooperation and will-to adapt

7. Represent the Credit Union in a professional manner in all areas of staff and
member relations in order to reflect a positive image of Cabrillo Credit Union.
Uphold and embrace the Credit Union's core values.
  • EMPOWERMENT: We nurture and empower our members and employees to achieve ambitious results.
  • TEAMWORK: We are a vibrant team of inspired people who make big things happen.
  • HONESTY: We always operate with integrity.
  • SERVICE: We serve our members with passion
  • COOPERATIVE: We find meaningful ways to give back to the community that we support

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