Consumer Loan Officer, Full-Time, Hybrid Marlboro MA

First Tech Federal Credit Union; Marlborough (MA); Vor Ort; USD 36.000 - 41.000; Vollzeit

Benefits dieser Stelle

Health insurance

Paid time off

401(k) match

Paid holidays

Zusammenfassung

First Tech Federal Credit Union in Marlboro, MA is hiring a Consumer Lending Loan Officer who analyzes, underwrites, and makes loan decisions for consumer loan applications in line with credit union standards and regulatory guidelines. You will manage Direct and Indirect loan programs, stay current on ECOA, Regulation Z, Fair Lending, and related laws, and work with LOS systems to assess creditworthiness.

The role involves providing timely decisions to members, dealers, and staff, supporting

Qualifikationen

• High school diploma or equivalent.
• Two to four years of consumer lending experience.
• Previous customer service experience.

Aufgaben

• Analyze and underwrite consumer loan applications in line with policies.
• Approve, deny, or counteroffer applications and document decisions.
• Inform members and partners of loan decisions within timeframes.
• Maintain knowledge of Direct and Indirect loan programs.
• Support policy and procedure development for the department.
• Achieve monthly referral goals and cross-sell products.

Kenntnisse

Consumer lending knowledge

Credit analysis

Customer service

Ausbildung

High School Diploma or equivalent

Jobbeschreibung

Description

The Consumer Lending Loan Officer is responsible for analyzing, underwriting, and decisions all consumer loan applications consistent with credit union, department, and regulatory standards.

What You’ll Do

• Maintain a complete knowledge of all DCU products and services with a focus on Direct and Indirect consumer loan programs, policies, and guidelines.
• Maintain knowledge of compliance laws applicable to consumer loan originations, including but not limited to: Equal Credit Opportunity Act (ECOA), Regulation Z (Truth in Lending), Fair Lending, and other state and federal laws which may be applicable.
• Analyze the creditworthiness of the members with the aid of the Consumer Loan Origination (LOS) systems and by applying sound lending practices and procedures in accordance with the Credit Union's Loan Underwriting Guidelines.
• Approve, deny and counteroffer loan applications based on policies and guidelines, and document decisions. Provide thorough and accurate application recommendations to the Team Leader or Management when an application falls outside guidelines and/or authorized loan limits.
• Inform members, dealer partners, and branch staff of consumer loan decisions with tact and professionalism and within established time frames.
• Assist with the development and maintenance of department policy and procedure documents.
• Achieve monthly sales goal referrals as assigned by Team Leaders and Management, including cross selling additional products and services.
• Perform other job-related duties as assigned by Managers(s).

Essential Skills

• Education and Experience Requirements:
• High School Diploma or equivalent
• Two to four years previous consumer lending experience.
• Previous customer service experience

Additional Eligibility Requirements

• Previous experience working in a Call Center environment preferred
• Ability to interpret financial statements
• Ability to read, understand, and analyze credit bureau reports and scores

Location

Marlboro, MA

Target Compensation

$26.60 - $30.00

Schedule

Mon 8-5

• Tue 9-6
• Wed 11-8
• Thu 11-8
• Sun – 8-5

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.

Who We Are

What makes First Tech different? Click here to learn more!

Every great journey begins with a bold idea—and ours is no different. First Tech and DCU were founded on the belief that financial solutions should put people first. That belief has fueled decades of innovation and service, rooted in the tech sector and expanding to support members from all walks of life.

Employees Are Eligible For

• Traditional medical, dental, and vision coverage
• Generous 401(k) match
• Paid Time Off: You'll accrue up to 15 days in your first year. In addition, you'll receive 40 hours of sick time and 3 personal days, which refresh annually
• Paid federal holidays
• Special employee pricing on lending products such as mortgage, auto, and personal loans (eligibility subject to standard account requirements and underwriting criteria)

Employment Statements

First Tech is an equal opportunity employer, and we value diversity, inclusion, and equity at our company. We evaluate qualified applicants without regard to race, color, religion, age, sex, sexual orientation, gender identity, national origin, disability, veteran status, and other legally protected characteristics.

If you're applying for a job and need a reasonable accommodation for any part of the employment process, please send an email to [e-mail] and let us know the nature of your request and contact information. Please note that only those inquiries concerning a request for reasonable accommodation will be responded to from this email address.

First Tech is not currently offering Visa transfer/sponsorship for this position.