Consumer Web Loan Officer

Jobtailor; California (MO); On-site; USD 60,000 - 90,000; Full time

Job summary

Jobtailor is seeking a lending-focused professional to cultivate member relationships, process loan applications, and promote banking products. You will review credit documents, ensure compliance, and coordinate cross-sell opportunities, all while supporting member satisfaction and accurate underwriting.

The role emphasizes lending regulations, MLO readiness, and CCUFC/registration goals, with strong communication and multitasking required to excel in a dynamic credit union environment.

Qualifications

• Bachelor’s degree required.
• At least 1 year of consumer lending experience.
• Knowledge of consumer lending regulations.
• Strong oral and written communication skills.
• Mortgage Loan Originator registration—must obtain within 6 months or already registered; CCUFC certification within 9 months

Responsibilities

• Cultivate member relationships through high-quality sales and service.
• Promote and cross-sell savings, depository accounts, consumer loans, and insurance products.
• Process consumer loan applications and funding with accurate documentation.
• Review credit reports to identify opportunities and assess creditworthiness.
• Ensure compliance with laws, regulations, and credit union policies; assist with audits.

Skills

Sales experience

Consumer lending

Regulatory knowledge

Credit report analysis

Communication skills

Multitasking

Interpersonal skills

Education

Bachelor's degree

Tools

Credit Union Systems

Loan funding systems

Documentation software

Member management systems

Job description

• Cultivate strong member relationships through high-quality sales and service
• Promote and sell savings, depository accounts, consumer loans, and insurance products
• Refer cross-sell opportunities to business partners
• Execute Member Experience protocols and identify financial needs and referral opportunities
• Process consumer web applications accurately and promptly, including loan funding and documentation
• Review credit reports to identify relationship-deepening opportunities
• Use credit scoring, lending practices, regulatory knowledge, and judgment to make lending decisions
• Explain loan denials and explore alternative options
• Respond to member inquiries by telephone, SMS, and email
• Conduct member interviews to gather information, resolve discrepancies, and verify underwriting documentation
• Analyze income documentation to assess financial qualifications and support underwriters
• Ensure compliance with laws, regulations, Fair Credit Lending Practices, and Credit Union policies
• Assist with audits when required
• Participate in staff development programs
• Report to work on time and perform other assigned duties

Requirements

• 4-year / Bachelor's degree
• Sales experience
• At least 1 year of consumer lending experience
• Thorough working knowledge of consumer lending regulations
• Superior oral and written communication skills
• Excellent telephone manners and headset technique
• Thorough working knowledge of depository and loan products, account insurance, account vesting, and consumer lending
• Working knowledge of verifying and understanding income documentation
• Ability to multitask across multiple systems simultaneously
• Knowledge of credit union systems, documents, reports, policies, and procedures is a plus
• Actively registered as a Mortgage Loan Originator with the NMLS, or must obtain registration within 6 months
• Successful completion within 6 months of New Hire Training, New Accounts, Consumer Loan Training program, Membership Officer Authority, and Contact Center Basics
• Successful completion of Certified Credit Union Financial Counselor (CCUFC) certification within 9 months

Core Competencies

Demonstrates expertise in consumer lending, including knowledge of lending regulations, depository products, and financial assessment. Strong communication skills are essential for cultivating member relationships and providing high-quality service.

Highest-signal resume keywords

• Consumer Lending Experience
• Knowledge Of Consumer Lending Regulations
• Sales Experience
• Mortgage Loan Originator Registration
• Certified Credit Union Financial Counselor (CCUFC)

ATS Optimization Keywords

Hard Skills

• Consumer Lending
• Financial Assessment
• Income Documentation Verification
• Loan Processing
• Credit Scoring
• Regulatory Compliance
• Cross-Selling
• Member Experience Protocols
• Loan Documentation
• Credit Report Analysis

Soft Skills

• Superior Oral Communication
• Written Communication Skills
• Excellent Telephone Manners
• Multitasking Ability
• Interpersonal Skills

Certifications & Qualifications

• Mortgage Loan Originator Registration
• Certified Credit Union Financial Counselor (CCUFC)

Industry Keywords

• Depository Accounts
• Consumer Loans
• Insurance Products
• Fair Credit Lending Practices
• Credit Union Policies

Tools & Technologies

• Credit Union Systems
• Loan Funding Systems
• Documentation Software
• Member Management Systems