Job Summary:

• Provides and supports internal and external members with full range of credit union loan products and services. 
• Researches and uses critical thinking to evaluate and determine creditworthiness. 
• Analyze current financial position of members to determine the degree of risk involved in extending credit or lending money. 
• Makes decisions to approve, disapprove or forward the loan request to higher levels for decisions for more complex loans or those outside of lending limits. 
• Determines terms and conditions of an approved loan and reviews them with the member. 
• Corresponds with members, applicants and creditors to resolve questions regarding application information.
• Strengthen member relationships through the delivery of quality service. 
• Works all loan applications and queues timely. 
• Represents the Credit Union in a positive and professional manner.
• Maintains member and other sensitive information with confidentiality.
• Treats all co-workers and members with respect.

Skills on Resume: 

• Credit Analysis (Hard Skills)
• Decision-Making (Hard Skills)
• Risk Assessment (Hard Skills)
• Communication (Soft Skills)
• Customer Service (Soft Skills)
• Confidentiality (Soft Skills)
• Time Management (Soft Skills)
• Professionalism (Soft Skills)

Job Summary:

• Evaluate member's financial needs discussing as appropriate account and loan alternatives, or alternate credit criteria and interest rates. 
• Identifies relationship-building opportunities and making recommendations to members regarding other services offered by the credit union.
• Ensures documentation for all loans is complete and loan terms are accurate and is promptly disbursed. 
• Process and submit title paperwork timely. 
• Ensure all loans are in compliance with regulatory requirements and that exceptions are cleared within timelines prescribed in order to meet quality control requirements and to minimize risks.
• Ensures cost control and operating expense are in line by focusing on increase product penetration, and by maintaining a focus on process improvement
• Complete special projects and other duties and keeps informed of trends in consumer credit., teamwork, accountability, communication, dependability, initiative, innovation, interpersonal skills, member focus, time management, organization, and positive attitude. 
• Maintain attendance within credit union guidelines. 
• Exercise good judgment in the analysis of creditworthiness utilizing information and tools available, ensuring decisions are consistent with regulations and credit union guidelines when issuing or denying credit.
• Ensure all necessary documentation is obtained from the member, or applicable partners or vendors in a timely manner. 

Skills on Resume: 

• Financial Analysis (Hard Skills)
• Relationship Building (Soft Skills)
• Regulatory Compliance (Hard Skills)
• Documentation Management (Hard Skills)
• Process Improvement (Hard Skills)
• Project Management (Hard Skills)
• Risk Management (Hard Skills)
• Organizational Skills (Soft Skills)

Job Summary:

• Assist the organization in meeting overall business plan objectives regarding Asset Growth, Membership Growth, Member Relationship Score, and Loan Growth goals through education of membership of currently marketing promotions, 
• Informing members about products that may benefit them financially and by meeting individual assigned goals.
• Provide support to all credit union staff in areas of consumer lending and assist in training efforts.
• Ensure all audit findings are corrected and submitted within two weeks of being added to audit log. 
• Shows appropriate improvement regarding the type of audit findings, to not consistently have the same type of audit findings. 
• Keeps audit findings at a minimum to ensure members receive accurate service, and to keep the credit union safe and sound.
• Support training, education and staff development by ensuring complete applicable compliance courses, product/services training assessments and technical training by the position and by being a training resource for other departments. 
• Demonstrate an understanding of and follow established policies, practices, and regulations, including those defined by the Fair Lending Act, Safe Act, BSA, Red Flag, ECOA, RESPA, TILA and all other regulatory and other designated programs and regulations. 
• Observe and correct areas of non-compliance and assist the organization in meeting defined standards and requirements. 
• Maintain MLO registration with the NMLS in good standing always.

Skills on Resume:  

• Financial Product Knowledge (Hard Skills)
• Audit Compliance (Hard Skills)
• Consumer Lending Support (Hard Skills)
• Regulatory Knowledge (Hard Skills)
• Training and Development (Soft Skills)
• Membership Relationship Management (Soft Skills)
• Goal Achievement (Soft Skills)
• MLO Registration Maintenance (Hard Skills)

Job Summary:

• Provide quality member service by responding to all member inquiries promptly by telephone, fax, email and via the Internet, thereby exceeding expectations
• Work directly with members processing loan applications by telephone, fax, email through Online Banking or sent via the Internet
• Analyzes, evaluates, approves and funds loans as directed by NWFCU Lending policy
• Understand all policies and procedures, of products and services available through the Credit Union and CUSO
• Review the information in the application and focus on the member’s ability to repay the loan, the willingness to repay the loan, the member’s existing assets and liabilities
• Analyze the credit report and identify red flags, discrepancies and determine if the collateral is sufficient
• Cross-sell all products and services to include Payment Protection, Auto Warranty and GAP protection
• Communicate loan decisions to members and prepare documents and review them with members to close the loan and upload the loan into the core system
• Verify the quality and accuracy of loan documents to ensure that the use of the proper loan documents
• Remains cognizant of and adheres to NWFCU policies and procedures as well as regulations pertaining to the Bank Secrecy Act (BSA)

Skills on Resume: 

• Customer Service Excellence (Soft Skills)
• Loan Processing Expertise (Hard Skills)
• Credit Analysis (Hard Skills)
• Knowledge of Policies (Hard Skills)
• Loan Documentation (Hard Skills)
• Cross-Selling Abilities (Soft Skills)
• Decision-Making (Hard Skills)
• Attention to Detail (Soft Skills)

Job Summary:

• Participate in less complex products and loan processes
• Provide consultation in regard to home financing, and generate business via corporate relationships, direct-to-consumer marketing, and other third-party relationships
• Identify opportunities for process improvements within loan processes or Mortgage Consumer Direct Sales functional area
• Review loan processes and products related to the Mortgage Consumer Direct Sales functional area that require research, evaluation, and selection of alternatives to ensure accordance with Wells Fargo policies and procedures
• Present recommendations for resolving more complex situations, and exercise some independent judgment while developing an understanding of loan applications, pricing loans, or locking loan rates
• Provide home financing-related information to functional area colleagues and internal partners and stakeholders, including internal or external customers
• Provide top-notch customer service to our members by providing a warm, friendly face and delivering personal service to meet each member's individual needs.
• Work with members to take loan applications and originate and close consumer loans (including auto, personal, credit card, and boat and RV loans) and home equity loans
• Cross-sell consumer credit union products and services (such as GAP warranty and debt protection) to qualified members. 
• Work to meet personal and branch monthly production goals for loan products.
• Open and close personal and business accounts such as Money Market accounts, Certificates of Deposit, checking accounts, and savings accounts.
• Help branch staff and members in resolving account-related problems.

Skills on Resume: 

• Consultative Sales (Soft Skills)
• Process Improvement (Hard Skills)
• Loan Process Expertise (Hard Skills)
• Complex Problem-Solving (Soft Skills)
• Customer Service Excellence (Soft Skills)
• Loan Origination and Closing (Hard Skills)
• Cross-Selling (Soft Skills)
• Account Management (Hard Skills)

Job Summary:

• Underwrites Consumer, Auto loans, Personal loans, Credit Card and Home Equity Lines of Credit (HELOC) loan applications. 
• Evaluate, review, approve or decline loans within credit authority while monitoring the risk to the credit union. 
• Supports internal/external staff with daily loan inquiries to ensure defined service levels are maintained, and provides recommendations. 
• Adds value to the organization by contributing to the process which then adds sound assets to the Credit Union’s portfolio (NOTE This position is not affiliated with Mortgage Loan Lending).
• Reviews/Underwrites Consumer, Credit Card, and HELOC loan requests, credit reports and other documentation to determine credit worthiness of the applicant.
• Process and underwrite HELOC loan requests.
• Evaluate real estate appraisals, title reports, loan notes and flood service to ensure proper guidelines are followed.
• Accepts incoming calls from Branch frontline staff and evaluates requests for review of loan decisions and review of loan applications and structures/rules.
• Monitors the LOS Underwriting queues to ensure service levels are achieved in a timely manner and provides input to Management when breakdowns or opportunities for improvement are identified.
• Supports the Loan Department Hotline at all times.
• Calculate debt to income, unsecured to income, and loan to value ratios.
• Explain reasons or denial and explore options for members when loans are denied.
• Ensures that all exceptions made are fully documented in loan notes to adequately justify any loan decisions made that may fall outside of policy or procedure guidelines.
• Analysis of Corporate and Partnerships tax returns.

Skills on Resume: 

• Loan Underwriting (Hard Skills)
• Credit Risk Assessment (Hard Skills)
• Regulatory Compliance (Hard Skills)
• Customer Service (Soft Skills)
• Data Analysis (Hard Skills)
• Process Improvement (Soft Skills)
• Communication (Soft Skills)
• Document Review (Hard Skills)

Job Summary:

• Establish customer relationships and make collection calls.
• Advise borrowers on account status and payment methods.
• Guide customers through the loan application process.
• Loan closing offering the company’s products.
• File loan applications and supporting documents.
• Handle customer complaints and take appropriate action to resolve them.
• Provide customer service to new and existing customers.
• Decisions loans within the policies, guidelines and state and federal regulations
• Works to ensure there is consistency across all areas when granting loans
• Consistently achieves or exceeds service expectations and goals, maximizing the member experience
• Knowledgeable with a full understanding of the organization's consumer loan and related products and services
• Accurately produce loan documentation in a timely fashion

Skills on Resume: 

• Customer Relationship Management (Soft Skills)
• Loan Counseling and Advising (Soft Skills)
• Application Processing (Hard Skills)
• Complaint Resolution (Soft Skills)
• Regulatory Compliance (Hard Skills)
• Consistency in Loan Granting (Hard Skills)
• Service Excellence (Soft Skills)
• Product Knowledge (Hard Skills)

Job Summary:

• Responsible for maintaining up-to-date knowledge of all requirements, guidelines and terms for home equity and consumer loan products in order to generate revenue on behalf of the bank. 
• Participate in outbound calling campaigns including possible nights and weekends
• Deliver prepared sales discussions on the phone or in person that describe the products and services to help the potential client to prepare a plan for lending needs.
• Responsible for visiting all assigned branches to provide support and training on all home equity products. 
• Participate in branch sales and operation meetings to help facilitate the continued growth of our home equity product line.
• Maintain a professional relationship with assisting customers in managing the completion of loan applications. 
• Follow-up with internal and external clients to ensure customer satisfaction. 
• Build a self-sourced loan portfolio through solicitation of prospective and existing client relationships.
• Continue weekly follow-up with all the branches to answer any questions as well as review sales techniques for maximum opportunity. 
• Provide sales plans and techniques to help retail network to understand the lending process. 
• Effectively develop and maintain productive relationships with internal and external clients.
• Assist in outside networking events and special branch functions

Skills on Resume: 

• Product Knowledge (Hard Skills)
• Sales Communication (Soft Skills)
• Training and Support (Soft Skills)
• Relationship Management (Soft Skills)
• Customer Service (Soft Skills)
• Networking (Soft Skills)
• Sales Strategy (Hard Skills)
• Collaboration (Soft Skills)

Job Summary:

• Perform Escrow Administration duties which include insurance, taxes, escrow analysis, and escrow audits.
• Ensure proper handling of insurance data integrity and disbursements, lender-placed insurance, and loss draft claims.
• Establish and maintain best practice operational processes.
• Process and review all open items and ensure they are paid timely and accurate.
• Oversee and monitor vendor performance and parameters, and ensure all operational practices are reviewed and assessed.
• Escalate Vendor service level agreements or performance issues to management and provide timely reporting on any issues in remediation.
• Establish/update flood review standards and procedures for approval for Flood Requests on loans in Special Flood Hazard Areas.
• Process the department email inbox and review and respond to requests within developed service-level agreements.
• Promptly handle/respond to calls from the Call Center regarding customer inquiries.
• Update performance on monthly metrics and contractual service level agreements for reporting to management.
• Create daily general ledger reconciliations.
• Research and resolve more complex internal/external customer inquiries or discrepancies in insurance and escrow.
• Facilitate department process improvements/operational enhancements to adapt to changing business needs.
• Ensure compliance with RESPA, Homeowners Protection Act of 1998, Privacy Act and other regulatory acts as may apply to servicing/escrow.

Skills on Resume: 

• Escrow Administration (Hard Skills)
• Insurance Data Management (Hard Skills)
• Operational Process Optimization (Hard Skills)
• Vendor Management (Hard Skills)
• Regulatory Compliance (Hard Skills)
• Customer Service (Soft Skills)
• Financial Reconciliation(Hard Skills)
• Process Improvement (Hard Skills)

Job Summary:

• Manage leads in various stages of the mortgage loan process, with a focus on conversion to application
• Call leads and use scripts to navigate leads through the sales process
• Utilize a CRM to manage a database and ensure thorough follow-up
• Guide clients through the loan process from application through closing and beyond
• Market to and grow an existing database using our various internal platforms
• Utilize marketing platforms and systems to generate leads from an existing database
• Create and update desktop procedures.
• Stay abreast of regulatory changes relating to taxes, insurance and flood.
• Assist customers, both internal and external, with verbal and written questions, concerns and problems related to escrow administration and provide excellent customer service for all requests.
• Assist with the preparation of annual Performance Evaluations
• Rewarding, coaching, developing and holding employees accountable for performance/results.

Skills on Resume:  

• Lead Conversion Management (Hard Skills)
• Sales Process Navigation (Hard Skills)
• CRM Utilization (Hard Skills)
• Client Guidance (Soft Skills)
• Database Growth (Hard Skills)
• Regulatory Knowledge (Hard Skills)
• Customer Service Excellence (Soft Skills)
• Team Leadership (Soft Skills)

Job Summary:

• Underwrite consumer loan applications including auto, personal, credit card, and HELOC
• Supports organization staff with loan inquiries
• Evaluates appraisals, title reports, loan notes, and flood service
• Supports inquiries in the branch and via phone
• Calculates debt to income, unsecured to income, and loan to value ratios
• Adequately documents all appropriate information in order to support loan decisions that may be out of scope
• Insure that all origination activities are in full compliance with state and federal lending laws.
• Take full and accurate loan applications.
• Work closely with processors and underwriters to expedite loan approval process.
• Continually market to individual databases.
• Complete yearly the NMLS continuing education requirements.
• Convert a high % of quality inbound leads that are provided.

Skills on Resume: 

• Consumer Loan Underwriting (Hard Skills)
• Loan Application Support (Soft Skills)
• Title Report Evaluation (Hard Skills)
• Financial Ratio Calculation (Hard Skills)
• Documentation and Compliance (Hard Skills)
• Loan Processing Collaboration (Soft Skills)
• Marketing and Lead Conversion (Soft Skills)
• Ongoing Education (Hard Skills)

Job Summary:

• Develop a member call list using lead lists generated internally to increase clientele in addition to loan applications
• Interview member loan applicants to determine  borrowing needs, explain loan programs, evaluate needs, and recommend loan options
• Review loan applications submitted by the Branch Manager for credit decision
• Analyze the current financial position of members to determine the degree of risk involved in extending credit or lending money. 
• Decide to approve, disapprove or forward loan request to higher levels for decision
• Participate in sales development activities to meet scorecard objectives
• Prepare and/or review all loan documents for compliance and completeness
• Follows current loans to ensure compliance with terms and coordinates with collections
• Participate in ongoing education to stay current on present trends in consumer lending
• Establish terms and conditions of an approved loan and review with a member
• Complies with applicable laws and regulations
• Represent the Credit Union in various community events
• Maintain confidentiality in all K-State Credit Union and member matters
• Present a positive image of the K-State Credit Union through professional appearance and courteous attitude

Skills on Resume: 

• Client Acquisition (Hard Skills)
• Loan Interviewing (Hard Skills)
• Credit Analysis (Hard Skills)
• Loan Decision-Making (Hard Skills)
• Scorecard Achievement (Soft Skills)
• Documentation (Hard Skills)
• Collections Coordination (Hard Skills)
• Professional Representation (Soft Skills)