Loan Officer Hoyt Lakes/Biwabik

Benefits:

• 401(k)
• Dental insurance
• Health insurance
• Paid time off

Job Summary
The primary responsibility of this position is to assist NorthRidge Community Credit Union to live our Core Purpose, 'We help lift the burden from our members and give them hope of a better tomorrow.' A key behavior in living out our Core Purpose is to identify member needs and recommend appropriate NorthRidge Community Credit Union solutions. We serve our members and team members by exhibiting behaviors that reflect our Core Values:

Relationships: We care about you.
Integrity: We do what's right.
Advocacy: We work on your behalf.

In addition, this position will interview, recommend and authorize approval of consumer credit loans. This position analyzes consumer loan requests based on the members story while adhering to lending policy and authority limits. The main focus is to help our members become financially secure.

Responsibilities

• Takes and reviews applications for consumer loan business. Explains loan programs and advises members of loan options and requirements.
• Analyzes member financial condition to include credit history, credit score, collateral, and other financial information to assess the degree of risk and the members ability to repay the loan. Makes decisions within loan approval authority or forwards the loan request to higher levels for decision.
• Completes or directs completion of all loan documents. Ensures documentation is complete and accurate. Completes required reports and records. Meets with member to explain terms and conditions and close the loan.
• Stays informed of new types of loans, lending trends, and other financial services and products to better meet members' needs.

Qualifications

• Previous experience as a Loan Officer is preferred
• A high school education or GED.
• Familiarity with Microsoft Excel, databases, and loan processing and banking software
• Knowledge of lending products and practices
• Strong customer service and communication skills
• Ability to perform in a goal-oriented environment