Loan Officer

POSTAL EMPLOYEES CREDIT UNION; Hamilton Township (NJ); On-site; USD 45,000 - 60,000; Full time

Benefits offered by this job

Health insurance

Paid time off

Dental insurance

Job summary

Postal Employees Credit Union (PECU) in Hamilton Township, New Jersey, is seeking a Loan Officer who can deliver exceptional member service while handling consumer and home equity lending, reporting, and day-to-day operations in a small, community-focused environment. The role requires 2+ years lending experience, strong communication, and the ability to work independently.

You will close and disburse loans, prepare monthly reports, ensure regulatory compliance, and collaborate with the CEO and

Qualifications

• 2+ years lending experience in a credit union or community financial institution.
• Excellent oral and written communication skills.
• Proficiency with personal computers and standard office software.
• Strong telephone communication skills and professional etiquette.
• Ability to work independently, manage multiple priorities, and meet deadlines.
• Associate’s degree in Business, Finance, or related field preferred.
• Knowledge of credit union systems and lending software is a plus; Loancierge experience is a plus.

Responsibilities

• Support the overall success of consumer and home equity lending and assist with collection activities as needed.
• Monitor basic market and competitor trends and provide input to the CEO on pricing or product adjustments.
• Prepare monthly lending and collection reports, including data used for Board reporting.
• Investigate and resolve member account and loan issues.
• Review loan portfolio performance and identify trends or areas for improvement consistent with credit union standards.
• Maintain working knowledge of lending and collection regulations and assist in ensuring compliance within the lending function.
• Work closely with the CEO and Branch Manager to support lending programs and credit union growth initiatives.
• Process, close, and disburse loans in accordance with policies, procedures, and applicable federal and state regulations.
• Comply with all lending‑related regulatory requirements, including the Bank Secrecy Act and OFAC.
• Ensure loan files contain complete and accurate documentation, including proper signatures and dates.
• Verify accuracy of loan documentation and system entries.
• Obtain and maintain working knowledge of the Credit Card program and assist with member inquiries.
• Provide support in other operational areas as directed by the CEO, consistent with the small‑credit‑union environment.

Skills

Communication

Independent work

Multitasking

Phone etiquette

PC proficiency

Education

Associate degree in Business/Finance

Tools

Lending software

Credit union systems

Loancierge

Job description

Benefits

• Health insurance
• Paid time off
• Dental insurance

Position Purpose

As a small, community‑focused credit union approaching 100 years of service, Postal Employees Credit Union (PECU) relies on multi‑functional team members who can support several areas of lending and member service. The Loan Officer plays a key role in delivering exceptional member service while performing a broad range of lending, reporting, and operational duties appropriate for a small credit union environment.

Main Job Responsibilities

• Support the overall success of consumer and home equity lending and assist with collection activities as needed.
• Monitor basic market and competitor trends and provide input to the CEO on pricing or product adjustments.
• Prepare monthly lending and collection reports, including data used for Board reporting.
• Investigate and resolve member account and loan issues.
• Review loan portfolio performance and identify trends or areas for improvement consistent with credit union standards.
• Maintain working knowledge of lending and collection regulations and assist in ensuring compliance within the lending function.
• Work closely with the CEO and Branch Manager to support lending programs and credit union growth initiatives.
• Process, close, and disburse loans in accordance with policies, procedures, and applicable federal and state regulations.
• Comply with all lending‑related regulatory requirements, including the Bank Secrecy Act and OFAC.
• Ensure loan files contain complete and accurate documentation, including proper signatures and dates.
• Verify accuracy of loan documentation and system entries.
• Obtain and maintain working knowledge of the Credit Card program and assist with member inquiries.
• Provide support in other operational areas as directed by the CEO, consistent with the small‑credit‑union environment.

Qualifications

• 2+ years of lending experience in a credit union or community financial institution; experience in a small credit union or community bank environment strongly preferred.
• Excellent oral and written communication skills.
• Proficiency with personal computers and standard office software.
• Strong telephone communication skills and professional etiquette.
• Ability to work independently, manage multiple priorities, and meet deadlines.
• Associate’s degree in Business, Finance, or related field preferred.
• Knowledge of credit union systems and lending software is a plus; Loancierge experience is a plus plus.

Benefits

• Credit Union–paid Medical, Dental, and Vision coverage (including qualified dependents).
• Credit Union–paid Life Insurance.
• Long‑term disability coverage.
• Paid time off (sick and vacation).
• Pay Range: $45,000 – $60,000 based on experience.

About PECU

PECU proudly serves nearly 2,400 members with personalized, community‑focused financial services. As a not‑for‑profit credit union approaching its 100th year, PECU provides consumer‑friendly products, lower fees, and member‑centered service. Our small‑team environment allows employees to make a meaningful impact on members’ financial well‑being.