Lending Specialist

Skyla Credit Union; Charlotte (NC); On-site; USD 42,000 - 70,000; Full time

Benefits offered by this job

Medical insurance

Vision insurance

Dental insurance

401(k) match

Tuition reimbursement

Volunteer time off

Paid time off

Well-being benefit

Interest rate perks on deposits and贷款

Job summary

Skyla Credit Union in Charlotte, NC is seeking a Loan Officer to process member loan applications and grow the consumer loan portfolio. You will communicate loan decisions after application is completed and manage knowledge of lending products.

Qualifications include a High School Diploma (Bachelor's preferred), 2 years of lending experience, and proficiency with Microsoft Office; strong interpersonal and communication skills are essential.

Qualifications

• High School Diploma required; bachelor’s degree preferred.
• 2 years of Lending Experience.
• Proficient in Microsoft suite of products; strong interpersonal & communication skills.

Responsibilities

• Take complete loan applications via telephone, mail, fax, in person and other electronic delivery means.
• Evaluates proof of income and analyzes credit reports; coaches members on credit reports and score improvement.
• Provide loan approval when within lending authority and prepare loan documents for funding for approved loans.
• Qualify non-members for membership, open accounts and make cross-sell recommendations.
• Solicit all types of new accounts and add new relationships based on member needs to meet goals.
• Maintain knowledge of lending products and their features to achieve credit union goals.
• Keep abreast of changes in lending policy and procedures and share knowledge with others.
• Meet lending licensing requirements.

Skills

Lending experience

Communication skills

Microsoft Office

Customer service

Education

High School Diploma

Bachelor's degree (preferred)

Tools

Loan origination software

Job description

Job Grade:8

Working at Skyla Credit Union

Skyla offers a supportive, inclusive culture while providing opportunities for growth, learning, and career advancement. Making it a strong place to build both skills and meaningful connections.

Joining Skyla means having the support, tools, and guidance you need from day one.

• A welcoming culture where teammates and leaders genuinely care about your success and growth.
• A collaborative work environment focused on teamwork, development, and making an impact in the community.
• Flexibility and support to help you balance work while meeting member needs.
• A strong benefits package and meaningful perks that support your overall well-being: medical, vision, dental, 6% Match 401(k), Tuition Reimbursement, Paid Community Volunteer Opportunity, Paid Time Off, Quarterly Well Being Benefit, Interest Rate Perks on Deposit and Loan Accounts.

Our Values

We're in your corner: we genuinely care about the well-being of our members and employees. We make possibilities reality!

We make an impact: we exist for our communities. We provide support and opportunities to meet the needs of our friends and neighbors.

We're better together: we are a team. We work together to service and support our members and each other.

We're on a journey together: we always look for improvement opportunities to benefit our members and employees. We believe that with continuous improvement learning, there is no limit to what we can achieve together.

We welcome everyone: we empower all by sharing different perspectives, unique abilities, thought processes, and creating a diverse and inclusive credit union.

primary functions:

Process member loan applications and strive to grow the consumer loan portfolio. Communicate loan decision after application is completed and decisioned. Maintain knowledge of all lending and payment protection products and services. Identify opportunities for protecting the loan when possible. Qualify non-members for membership and open deposit accounts as needed by the members. Maintain knowledge of title and insurance laws in all states served by the credit union.

responsibilities:

• Take complete loan applications via telephone, mail, fax, in person and other electronic delivery means.
• Evaluates proof of income and analyzes credit reports. Performs follow-up work as necessary and coaches' members on credit reports and ways to improve score.
• Provide loan approval when application is within lending authority and recommendation to underwriters when application is outside of authority.
• Deliver decision to member and prepare loan documents for funding for approved loans.
• Qualify non-members for membership, open accounts and make effective cross-sell recommendations to new and existing members.
• Solicit all types of new accounts, cross sell credit union services, and add new relationships to existing accounts based on the member needs in an effort to meet both credit union and individual goals.
• Maintain strong knowledge of all ancillary products' features and benefits to make effective recommendations to members and achieve credit union goals.
• Remain abreast of changes in credit union lending policy, procedures, as well as consumer lending practices and willingly share knowledge with others.
• Obtain necessary lending licensing.
• Meet credit life/disability, GAP and warranty goals as set by the credit union.
• Maintain the integrity of all members' records in a confidential manner.
• Comply with all federal regulations, credit union policies and procedures, including Bank Secrecy and the USA Patriot Act.
• Perform job duties in accordance with the Credit Union's values, mission and vision.
• Perform other duties as necessary.
• High School Diploma required; bachelors degree preferred.
• 2 years of Lending Experience.
• Proficient in Microsoft suite of products.
• Strong interpersonal & communication skills.