Consumer Loan Officer

Amerfirst; Brea (CA); On-site; USD 51,000 - 71,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

Employer 401K with match

Life insurance

Disability insurance

Tuition reimbursement

Holidays & vacation

Job summary

American First Credit Union in Brea, CA is seeking a Consumer Loan Officer to handle underwriting of direct and indirect consumer loan applications, make credit decisions, and cross-sell loan products.

The role focuses on autos, personal loans, credit cards, boats, RVs, motorcycles and other secured loans. Strong communication with members and dealerships is essential; onsite schedule Mon-Fri 9am-6pm with one Saturday monthly.

Qualifications

• High school diploma or GED required.
• Minimum three years’ experience underwriting consumer loans in direct/indirect lending.
• Knowledge of consumer lending products and credit laws.
• Ability to verify income from paystubs and read tax returns.
• Proficient with Excel, Word and lending software.

Responsibilities

• Underwrite direct and indirect consumer loan applications.
• Make credit decisions and cross-sell other loan products.
• Review complex loan requests, interpret credit profiles and assess repayment ability.
• Communicate with members and dealerships effectively.

Skills

Underwriting experience

Customer service

Communication

Tools

Excel

Word

Automated lending software

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Consumer Loan Officer

Full Time Brea, CA, US

Salary Range: $24.35 To $34.00 Hourly

Consumer Loan Officer

As an American First Associate, you’ll play a vital role in serving the community while enjoying a rewarding career. We are a $1.3 Billion financial institution located in Brea, CA looking for a Consumer Loan Officer with excellent customer service skills, initiative and a desire to work in a team setting.

Position Summary

This position is responsible for the underwriting of direct and indirect consumer loan applications, making credit decisions, and cross‑selling other consumer loan products. In addition, this position will review and analyze complex loan requests to include interpreting credit profiles, assessing the ability to repay, decisioning loans and understanding members’ needs while keeping the safety and soundness of the credit union in mind.

This position will focus on consumer loan products including automobiles, personal loans, credit cards, boats, RVs, motorcycles and other secured products. Accurately and efficiently communicating and working with our members and dealerships is a key to success in this position.

Salary Range: $24.35-$34.00

The salary ranges for positions are based on current market industry studies as well as job evaluations. During the offer phase, management will determine the appropriate compensation within the compensation range based on experience, education and internal equity.

Qualifications

• High school diploma or General Equivalent Diploma (GED).
• Minimum three year’s experience in underwriting consumer loans in an indirect and direct lending environment.
• Working knowledge of all consumer lending products.
• Strong knowledge and experience of consumer credit laws and regulations.
• Ability to verify and calculate income by using paystubs.
• Ability to read and analyze personal and business tax returns.
• Ability to effectively communicate adverse loan decisions.
• Excellent Member Service skills and the ability to rework deals with dealerships.
• Competent in problem solving, time management and organizational skills.
• Proficient in Excel, Word and automated lending software.

Schedule

Onsite position

Mon-Fri 9:00am-6:00pm; One Saturday (8am-5pm) a month

Must reside in the state of CA or willing to self-relocate

We offer excellent benefits: medical, dental, vision, paid life, Long term disability and AD&D insurance, generous 401(K) plan with employer match, financial advisor, free banking, discounts on consumer loans, paid holidays, vacation, sick, flexible spending accounts, tuition reimbursement, special recognition programs and more.

We perform thorough background and credit check.

American First Credit Union is an EEO/AA/Disability/Vets Employer