Loan Officer

CA - Scripps Ranch

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Full Time position available in the Credit Union's administrative office located in Scripps Ranch.

  • Evaluate credit worthiness by processing loan applications and documentation within specified limits
  • Interview applicants to determine financial eligibility and feasibility of granting loans
  • Determine all applicable ratios and metrics and set up debt payment plans
  • Communicate with clients either to request or to provide information
  • Justify decisions (approvals/rejections) and report on them
  • Complete loan contracts and counsel clients on policies and restrictions
  • Update job knowledge on types of loans and other financial services
  • Maintain and update account records
  • Assess customer needs, explore all options and introduce different types of loans
  • Develop referral networks, suggest alternate channels and cross-sell products and services to accomplish quotas
  • Go the "extra mile to build trust relationships, customer loyalty and satisfaction throughout the underwriting process
  • perate in compliance with laws and regulations and adhere to lending compliance guidelines
  • Proven working experience as a loan officer with lending authority
  • HELOC, NMLS, Notary, and Mortgage experience a must
  • Knowledge of lending regulations & policies
  • Familiarity with computers and banking applications/software
  • Solid understanding of lending products and practices
  • Excellent communication and interpersonal skills
  • Customer satisfaction orientation and sales competencies
  • Ability to work in a goal oriented environment
  • 2 years + consumer and mortgage lending experience
  • Bachelor's Degree a plus

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