Loan Officer

Ontario Trillium Foundation; Jesup (GA); On-site; USD 40,000 - 65,000; Full time

Job summary

Ontario Trillium Foundation in Jesup, GA is seeking a Lending Officer to review loan applications, determine suitable loan types and terms, and ensure compliance with credit policies. This role involves cross-selling loan and deposit products, providing financial counseling, coordinating with underwriters, and assisting with other lending duties and new member onboarding.

Ideal candidates have a high school diploma and at least two years in lending or sales, excellent attention to detail, typing

Qualifications

• High school diploma and minimum two years' lending and/or sales experience.
• Extreme attention to detail in a fast-paced environment.
• Typing speed 50 words per minute or faster.
• Proficiency with Word and Excel; experience with fillable forms.

Responsibilities

• Timely review loan applications submitted through all channels.
• Interview members to determine best loan type, terms and ancillary products.
• Cross‑sell loan and deposit products to meet sales goals.
• Provide limited financial counseling to help members meet loan offers.
• Provide information to the underwriter for safe credit decisions.
• Back up other lending functions and assist with clerical duties.
• Open share accounts for new memberships.

Skills

Lending and sales experience

Attention to detail

Strong numerical ability

Communication skills

Typing 50 wpm

Education

High school diploma

Tools

Microsoft Word

Excel

Adobe / fillable forms

Electronic delivery systems

Job description

Purpose:

To find opportunities to lend to our members and to properly insure those loans with needed ancillary products.

Essential Duties and Responsibilities:

• Timely review loan applications submitted through all channels.

• Interview members to determine best loan type, terms and ancillary products based on credit history, capacity and collateral available to meet or exceed sales goals.

• Actively look for cross-selling opportunities in both loan and deposit products and encourage members to take advantage of those to meet or exceed sales goals.

• Provide limited financial counseling as needed to encourage members to meet loan counter-offers and to qualify for future loan applications, and communicate loan decisions to members.

• Provide underwriter with all necessary information to make an informed and safe credit decision.

• Back up other lending functions and perform other clerical duties as needed.

• Open Share accounts as needed for new memberships.

Other duties involving lending may be assigned. Each employee will additionally be assigned training, including annual Bank Secrecy Act training, that may include testing. Employees will be required to earn a passing grade, as set by the vendor or AFCU. All employees will be required to actively participate in credit union advocacy efforts and are encouraged to contribute to credit union trade advocacy funds, such as CUPAC/CULAC.

Skills and Qualifications Required:

• High school diploma and minimum two years' experience in lending and/or sales environment.

• Extreme attention to detail and ability to keep up in a fast-paced environment.

• Minimum typing speed of 50wpm.

• Proficiency in Microsoft Word and Excel. Proficiency with electronic delivery systems. Ability to use Adobe or other like software to complete and view fillable documents.

• Ability to read, analyze and interpret general business periodicals, professional journals and technical procedures. Ability to organize thoughts in written and/ or oral form in a professional and grammatically correct manner, so that the recipient may easily understand the contents.

• Ability to analyze member requests and apply credit union procedures which best serve the member. Ability to explain loan documents to members in a manner in which they understand.

• Ability to calculate interest accrued per day on loans. Ability to calculate minor calculations such as adding, subtracting, multiplying, dividing and figuring percentages.

• Ability to apply common sense understanding to carry out instructions furnished in written, oral or diagram form. Ability to deal with problems involving several concrete variables in standardized situations.

• Ability to lift up to 5 pounds. Ability to sit or stand for extended periods and to walk to other locations in building as necessary to complete work. Ability to push heavy doors as necessary to gain access to areas needing entry to complete work. Ability to stoop, kneel and crouch to complete other tasks as necessary.