Lending Specialist

Copper Basin Federal Credit Union; Copperhill (TN); On-site; USD 42,000 - 63,000; Full time

Job summary

Copper Basin Federal Credit Union in Copperhill, TN seeks a Lending Specialist to guide members through consumer and in-house mortgage loan processes from application to closing. You will evaluate applications, gather documents, and communicate terms, while ensuring liens are recorded and satisfied as needed.

The role emphasizes strong communication, member service, and adherence to lending policies, with collaboration across branches to deliver reliable service and support credit union growth.

Qualifications

• Strong communication skills, including clear verbal and written communication and active listening.
• Excellent member service with a focus on building member relationships and resolving issues professionally.
• Foundational finance and loans knowledge, including understanding of loan products, basic credit analysis, and repayment structures.
• Underwriting-related skills such as reviewing applications, assessing risk, and applying lending guidelines consistently. This role does not have underwriting authority.
• Prior experience in banking or credit unions, attention to detail, proficiency with standard office and banking software, and a high school diploma or equivalent (post-secondary education in finance or business is a plus).

Responsibilities

• Evaluate loan applications from members and determine eligibility based on lending policies.
• Gather and verify documentation to support loan underwriting reviews.
• Submit underwriting reviews and communicate loan terms and decisions to members.
• Complete liens and ensure lien recording and satisfaction for mortgages and consumer loans.
• Answer member questions and provide guidance on loan options.
• Collaborate with branch staff to deliver timely and accurate lending services.
• Maintain compliance with lending policies and regulations; update member records as needed.
• Support overall lending operations to meet service and growth goals.

Skills

Communication skills

Member service

Finance and loans knowledge

Underwriting-related skills

Education

High school diploma or equivalent

Post-secondary education in finance or business (a plus)

Tools

Banking software

Loan origination system

Microsoft Office

Job description

Company Description

Copper Basin Federal Credit Union is a locally owned, full-service financial institution that has been serving its members since 1965. With a strong focus on member needs, the credit union offers competitive loan rates and same-day financing to help individuals and families achieve their financial goals. The organization prides itself on its hometown approach, building lasting relationships and delivering personalized service. Team members are encouraged to support the local community while providing reliable, member-focused financial solutions. Joining Copper Basin Federal Credit Union means being part of a cooperative that puts members first in every decision.

Role Description

The Lending Specialist is a full-time, on-site role based in Copperhill, TN. This position is responsible for assisting members with consumer and in-house mortgage loan products from application through closing, ensuring a smooth and transparent lending experience. Day-to-day tasks include evaluating loan applications, gathering and verifying documentation, submitting underwriting reviews, and communicating loan terms and decisions to members. Thia role completes liens and ensure lien recording and satusfaction for mortgages and consumer loans. The Lending Specialist will answer member questions, provide guidance on loan options, and collaborate with branch staff to deliver timely and accurate service. This role also involves maintaining compliance with lending policies and regulations, updating member records, and supporting overall lending operations to help the credit union meet its service and growth goals.

Qualifications

• Candidates should possess strong Communication skills, including clear verbal and written communication and active listening.
• Candidates should possess excellent Member Service skills with a focus on building member relationships and resolving issues professionally.
• Candidates should possess foundational Finance and Loans knowledge, including understanding of loan products, basic credit analysis, and repayment structures.
• Candidates should possess Underwriting-related skills such as reviewing applications, assessing risk, and applying lending guidelines consistently. This role does not have underwriting authority

• Additional beneficial qualifications include prior experience in banking or credit unions, attention to detail, proficiency with standard office and banking software, and a high school diploma or equivalent (post-secondary education in finance or business is a plus).