Floating MSR IV (Loan Officer)

Carolina Trust Federal Credit Union; Myrtle Beach (SC); Presencial; USD 30.000 - 33.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Health Insurance

Dental Insurance

Vision Insurance

401K

401K Matching

Paid Time Off

Life Insurance

Employee Assistance Program

Descripción de la vacante

Carolina Trust Federal Credit Union is seeking a full-time Floating MSR IV (Loan Officer) based at the Holmestown Road branch. The MSR IV will assist members and potential members with loan needs directly and through other staff, handling complex services like IRAs, CDs, EFTs and home banking. Pay is $22.00-$23.74 per hour.

This role travels between seven branches to support staffing needs. Requires a high school diploma with loan training and at least one year of lending experience, plus

Formación

• Previous lending experience or experience with full service financial institution helpful.
• Knowledge of Credit Union loan services, policies, and procedures.
• Understanding of related legal and regulatory standards and required loan documentation.
• Knowledge of consumer and residential lending practices.

Responsabilidades

• Assists members with loan applications, reviews documentation, and processes preliminary loan requests.
• Interviews applicants, verifies income and employment, and computes debt-to-income ratios.
• Evaluates loan requests, helps determine collateral value, and communicates decisions.
• Assists in cross-selling credit union products and supporting customer service.
• Maintains accurate records and supports branch staffing across locations.

Conocimientos

Lending experience

Credit union loans

Regulatory knowledge

Residential lending

Educación

High school diploma

Descripción del empleo

About the Organization Our History: Carolina Trust's story began in 1958 as Myrtle Beach Air Force Base Federal Credit Union, serving the financial needs of military personnel and civil service employees. With a desire to expand our service reach and directly influence the financial opportunities for individuals, families and small businesses in surrounding communities, the Credit Union applied for and received a Community Charter. In October 2001, we began serving those who live, work, worship, volunteer or attend school in Horry, Georgetown, Marion, Williamsburg, and southern Florence County. Carolina Trust was thrilled to remove membership barriers so that more people could experience the Credit Union difference and a lower-cost banking alternative. Then, in 2018, we broadened our service area even further by expanding into Brunswick County, NC - less than 2 miles away from our Little River branch. Who We Are: At our core, we are people helping people. Since 1958, we've been helping people achieve their financial goals, small businesses get the financing they need, and our employees expand their career potential. Additionally, we actively support our local schools and charitable organizations. We want our members and employees to feel good about the good we do in their communities, and we will continue to build this reputation one relationship at a time. Carolina Trust believes that before trust will be reciprocated, it must be earned with time, consistency and authenticity. We're the trustworthy faces you see around town, and we're proud of our Credit Union heritage of owners serving owners.

EOE Statement We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status or any other characteristic protected by law.

Position MSR IV (Loan Officer)

Description

Carolina Trust Federal Credit Union has a full-time Floating MSR IV (Loan Officer) position based at the Holmestown Road branch.

Position Overview: To assist members and potential members with their credit union needs directly and through other member service representatives. Provides expertise with respect to more complex credit union services such as IRAs, certificates of deposit, electronic funds transfer, home banking, etc. Explains services, sets up new accounts, responds to problems, and direct members to the appropriate people. Responsible for receiving, reviewing, and processing applications for consumer, home improvement, credit card, and overdraft account loans. Meets with applicants to explain credit policies and to obtain additional loan information and documentation. Assembles and evaluates loan applications and approves those that meet initial lending criteria and are within approved lending limits. Presents loan requests above lending limit for approval as per loan policy. Ensures members and prospective members and promptly and professionally served. Provides federal credit union information and cross sell services.

*This position travels between the seven branches to assis with the staffing needs.*

Pay:$22.00-$23.74 (Hourly)

- Assumes Responsibility for effectively receiving, reviewing, and processing loan applications.

• Interviews, takes applications, gathers information, and processes preliminary documentation on loan requests.
• Evaluates and verifies loan applications and credit criteria. Computes debt ratios. Verifies employment and income. Determines value of collateral. Notifies applicants of loan decisions. Requests additional information if required.
• Calculates terms, finance charges, and insurance on loans for proper disclosure on promissory notes.
• Assists in servicing loans by processing such items as payoff, refinances, problem loan workout arrangements, address changes, payment extensions, collateral releases, and payment due date changes.
• Sells credit life and disability, GAP, and warranty insurance.
• Ensures lending operations are conducted in accordance with established credit union policies and are legally compliant. Ensures loan requests are properly documented.

- Assumes responsibility for establishing and maintaining effective and professional business relationships with members.

• Assists members with opening and closing accounts, answers questions, and resolves problems.
• Identifies cross sell opportunities and cross sell services to members.
• Acts as liaison between members and various organizations and departments.
• Ensures appropriate records are maintained and required reports are prepared.

- Assumes responsibility for establishing maintaining effective coordination and communication with area personnel and with management.

• Assists other member service representatives and personnel as needed.
• Assists in training and cross training.
• Completes reports and records promptly and accurately. Inputs loans and all supporting documents as required.
• Attends meeting as required.
• Keeps management informed of department activities and of any significant problems. Refers problems that are beyond their authority to their supervisors, along with their recommendations.

- Assumes responsibility for related duties as required or assigned.

• Actively and professionally cross sells credit union products and services.
• Stays informed regarding local and national economic conditions and legal and regulatory changes/requirements including but not limited to BSA/ALM compliance.
• Fills in and performs duties in branch positions as needed.
• Ensures proper maintenance, cleanliness, and security of work area, desks, equipment, etc.
• Comply with Courtesy Coverage program by following all written procedures set forth by CU management including and knowledge of the program and the ability to communicate the program to members. (All staff should be responsible to attend any required training as it relates to the Courtesy Coverage program.)
• Lending functions are effectively performed in accordance with established credit union policies and with legal and regulatory requirements.
• Good working relationships exist with other personnel and management. Personnel are assisted as needed.
• Required reports are accurate and timely.
• Good business relations exist with members. Programs and services are properly and thoroughly explained, and members’ need accurately assessed. Members’ problems are courteously and promptly resolved.
• Credit applications and related financial data are closely and effectively analyzed and evaluated.
• Personal delinquency write-off numbers are in line with credit union objectives.

Education: High school graduate with required loan training and certification.

Experience/Knowledge:

• Previous lending experience or experience with full service financial institution helpful.
• Minimum of one-year related experience.
• Knowledge of Credit Union loan services, policies, and procedures.
• Understanding of related legal and regulatory standards and required loan documentation.
• Knowledge of consumer and residential lending practices.

Benefits:

• Health, Dental, and Vision Insurance
• 401K
• 401K Matching
• Paid Time Off
• Life Insurance
• Employee Assistance Program

Location Holmestown Rd

Exempt/Non-Exempt Non-Exempt

Full-Time/Part-Time Full-Time

This position is currently accepting applications.