Position Summary

The Senior Loan Officer manages consumer lending from application through closing, including evaluating creditworthiness, counseling members, documenting decisions, coordinating approvals, ensuring compliant disclosures,andprotectingKoinCreditUnion’sassets.Thepositionsupportsefficientloanproduction,member service, and lending operations in accordance with approved policies and delegated authority.

Essential Job Functions

•     Interviewapplicants,assesscreditneeds,obtainauthorizedcreditreports,andevaluateapplicationsinvolving varying levels of complexity and risk.

•     Underwriteloansusingdocumentedincome,repaymentcapacity,debtobligations,credithistory,collateralvalue, applicable loan-to-value standards, and the current loan rate sheet; apply the policy’s 50% debt-to-income guideline with appropriate judgment.

•     Guidemembersthroughcompleteapplications,requiredverifications,supportingdocuments,andtimelyfollow-up; maintain accurate loan worksheets and files for approvals and denials.

•     Approves qualified loans and establishes credit limits under supervisory direction according to the loan policies.

•     Identifyappropriateadditionallendinganddepositopportunitiesbasedonmemberneeds;usecreditreport information only for permissible purposes and follow applicable privacy and fair-lending requirements.

•     Communicate decisions promptly and respectfully; prepare and deliver required adverse-action and

incomplete-applicationnoticeswithinapplicabledeadlinesandreferdenialsformanagementreviewconsistentwith policy.

•     Prepare and review accurate notes, contracts, pricing, disclosures, fees, and signatures; verify all conditions are

metbeforefundingandcoordinateindependentdisbursementbyanauthorizedemployeeotherthantheapproving officer.

•     Protect confidential member information, maintain secure and complete loan records, follow information-security

procedures, and disclose potential conflicts of interest.

•     Monitortheloanpipeline,outstandingdocumentation,lienandinsuranceexceptions,fundingstatus,andreporting accuracy; support delinquency and collection follow-up within assigned responsibilities.

•     Followthecreditunion’sapplicationandcredit-reportcurrencystandards,permissible-purposerequirements, segregation of duties, and escalation procedures; assist with internal reviews and audit findings.

•     Assistmanagementwithimplementation,testing,documentation,andstafftrainingforapprovedloanproducts, procedures, and systems.

•     Conductprofessionaloutreachtoexistingandprospectivememberstosupportresponsibleloangrowth,member retention, and community relationships.

•     Coordinatelienrecordingandperfection,titletracking,collateralvaluation,requiredinsuranceandloss-payee verification, and relevant bankruptcy or collection documentation; escalate legal matters to management.

•     Maintain required licensing or registration, including NMLS registration where applicable to assigned residential mortgageloanoriginationduties;followSAFEAct,TILA/RegulationZ,ECOA/RegulationB,FCRA,HMDAwhere applicable, and other relevant requirements.

•     Monitorlocallendingconditions,competitorpricing,andproductperformance;recommendimprovementsto management without independently changing approved rates or policies.

•     Performotherrelatedlending,servicing,andoperationaldutiesasassigned,consistentwithtraining,controls,and delegated authority.

Qualifications

•     High school diploma or equivalent

•     Bachelor’s degree in a related field preferred

•     5+yearsoflendingandcomplianceexperience required

•     5+yearsofgeneralcustomerserviceexperience required

•     Previous credit union experience preferred

•     Abilitytomulti-task,organize,prioritize,andmeet deadlines accurately with a sense of urgency

•     Abilitytoremaincalmunderpressure,especiallyduring peak hours or intense situations

•     Creativeandflexibleproblemsolver;excellent partnering, interpersonal, and coaching skills

•     Ability to maintain a high level of confidentiality, excellent organizational skills, and attention to detail

•     Demonstratedexcellenceinoralandwritten communication

•     Abilitytobuildstrongrelationshipsandcredibilitywithall team members and credit union members

•     Ability to work independently or in teams as required

•     Highly organized and self-motivated

•     Abilitytomanageseveralloanapplications simultaneously

•     Always demonstrates a polite and professional attitude

•     Proficiency with loan origination systems, core processingplatforms,creditbureautools,electronic document workflows, and Microsoft Office

•     Some local travel may be required