Job Description

Job Description

Job Description

GENERAL INFORMATION

• DEPARTMENT: Loan
• REPORTS TO: Vice President Loans
• STATUS: Non-Exempt
• SUPERVISES: None

PRIMARY PURPOSE

This individual supports the Vice President of Loans in key areas that support the growth of the credit union’s loan department. These areas include, but are not limited to origination of consumer and mortgage loans, sales development, and training.

ESSENTIAL DUTIES AND FUNCTIONS

• Accepts, evaluates, and approves consumer and real estate loan applications.
• Responsible for the training and development of the lending staff as the loan department’s primary trainer.
• Keeps abreast of industry and regulatory development and changes in the area of credit granting. Recommends policy changes as needed.
• Recommends and assists in the implementation of policy and procedural changes related to credit granting.
• Assists with credit union projects involving the development and advancement of the Loans department.
• Counsels/advises members regarding personal budgeting and finances. Will be required to attain the designation of Credit Union Certified Financial Counselor (CCUFC).
• Processes specialized consumer and mortgage products that may require special attention.
• Assist with the development of the credit union’s sales and growth programs.
• Serves as the credit union’s primary indirect lending liaison.
• Serves as a technical resource to the credit union loan officers. Assists with overseeing the lending staff in the absence of the Vice President of Loans.

OTHER DUTIES & FUNCTIONS

• Conducts every aspect of this position, involving interpersonal relations, in line with the concept that all personnel, staff, shareholders and visitors are afforded full and equal treatment in all matters without regard to race, creed, color, sex, sexual orientation, age, national origin, lawful political affiliation, physical handicap or marital status.
• Periodically serves on various Credit Union committees (ie. Safety, Social Events, etc.)
• Performs such other duties and responsibilities as may be prescribed by the Vice President Loans or the President/CEO.
• Pursues a program of:
  • Self development.
  • Utilizing such training and education as may be required by the credit union:
    • in connection with this position;
    • for career development.
• Ensures a secure, neat, clean and safe work area.

WORKING CONDITIONS

Equipment Used:

• Computer
• 10-key calculator
• Telephone
• Copy Machine
• Document Scanner
• Printer

Work Hours:

• Hours determined based on operational needs of the credit union
• Monday - Saturday, 7:45 am - 6:30 pm
• Overtime as required by Management
• Work hours and days are subject to change

MENTAL DEMANDS

• Requires the application of sound decision-making principles, logical thinking and good judgment.
• Requires alertness, concentration and attention to detail.
• Requires the use of good judgment when dealing with difficult or uncomfortable situations.
• Ability to define problems, collect data, establish facts and draw valid conclusions.
• Have a good understanding of word and excel programs and all PHFCU supported applications.

COMMUNICATION DEMANDS

• Ability to communicate clearly both orally and in writing with members, peers and managers.
• Ability to communicate effectively through reports, oral presentations, informal discussions, letters, emails, chats, texts and memorandums to top management, the board of directors, public groups, and employees.

PHYSICAL DEMANDS

• Requires sitting at a work station and using a telephone for periods up to 4 hours (without a break) for up to a 10 hour work day.
• Requires data entry/key punching and mouse skills to complete daily work.
• Ability to view and correctly interpret numbers, text and images on a computer screen.
• Requires the use of various office equipment to perform duties.
• Requires working beyond the 8-hour day periodically.

QUALIFICATION REQUIREMENTS

Skills & Knowledge:

• Able to work both independently and collaboratively with others and foster a team environment.
• Able to handle all confidential matters professionally, including ensuring the privacy of our members’ account information.
• Possesses organization and planning skills.
• Proficient in written and verbal communication skills.
• Knowledge of principles and practices of financial institutions with an emphasis on lending-related products.
• Able to work in an agile and fast-paced environment.
• Must be bondable.

Education:

• High School Graduate or GED equivalent required.

Experience:

• Two years of experience in the field of consumer lending are required, but can be substituted with a Bachelor’s of Business Administration degree.

Training:

• Must be willing to attend/participate in any training necessary to learn/update skills or knowledge required for the position.

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