Senior Loan Officer

Koin Credit Union; Brentwood (TN); On-site; USD 65,000 - 90,000; Full time

Job summary

Koin Credit Union is seeking a Senior Loan Officer in Brentwood, TN to manage consumer lending from application to closing. You’ll evaluate creditworthiness, counsel members, document decisions, and coordinate approvals while protecting assets and ensuring policy compliance.

The role supports efficient loan production, member service, and lending operations under approved policies. Strong underwriting, customer service, and regulatory knowledge are essential.

Qualifications

• 5+ years of lending and compliance experience required.
• 5+ years of general customer service experience required.
• Ability to multi-task, organize, prioritize, and meet deadlines with urgency.
• Proficiency with loan origination systems, core processing platforms, credit bureaus, electronic document workflows, and MS Office.

Responsibilities

• Interview applicants, assess credit needs, obtain reports, and evaluate applications of varying complexity.
• Underwrite loans using documented income, repayment capacity, debt obligations, credit history, collateral value and current rate sheet; apply 50% DTI guideline with judgment.
• Guide members through complete applications, verifications, and timely follow-up; maintain loan worksheets and files for approvals/denials.
• Prepare notes, contracts, pricing, disclosures, fees, and signatures; verify conditions are met before funding and coordinate disbursement.

Skills

Loan underwriting

Customer service

Written and verbal comms

Education

Bachelor’s degree in related field

High school diploma or equivalent

Tools

Loan origination systems

Core processing platforms

Credit bureau tools

Microsoft Office

Job description

REPORTS

Chief Operations Officer

CLASSIFICATION

Hourly; Non-exempt

STATUS

Full-time

DATE

November1, 2026

Position Summary

The Senior Loan Officer manages consumer lending fromapplication through closing, including evaluating creditworthiness, counselingmembers, documenting decisions, coordinating approvals, ensuring compliantdisclosures,andprotectingKoinCreditUnion’sassets.Thepositionsupportsefficientloanproduction,member service, and lending operations inaccordance with approved policies and delegated authority.

Essential Job Functions

• Interviewapplicants, assesscreditneeds, obtainauthorizedcreditreports, and evaluateapplicationsinvolving varying levels of complexity and risk.
• Underwriteloansusingdocumentedincome, repaymentcapacity, debtobligations, credithistory, collateralvalue, applicable loan-to-value standards, and the current loan rate sheet; apply the policy’s 50% debt-to-income guideline with appropriate judgment.
• Guidemembersthroughcompleteapplications, requiredverifications, supportingdocuments, andtimelyfollow-up; maintainaccurate loan worksheets and files for approvals and denials.
• Approvesqualified loans and establishes credit limits under supervisory direction according to the loan policies.
• Identifyappropriateadditionallendinganddepositopportunitiesbasedonmemberneeds; usecreditreport informationonly for permissible purposes and follow applicable privacy and fair-lendingrequirements.
• Communicatedecisions promptly and respectfully; prepare and deliver requiredadverse-action and incomplete-applicationnoticeswithinapplicabledeadlinesandreferdenialsformanagementreviewconsistentwith policy.
• Prepareand review accurate notes, contracts, pricing, disclosures, fees, and signatures; verify all conditions are met before funding and coordinate independentdisbursement by a authorizedemployeeotherthantheapproving officer.
• Protectconfidential member information, maintain secure and complete loan records, follow information-security procedures, and disclose potential conflicts of interest.
• Monitortheloanpipeline, outstandingdocumentation, lienandinsuranceexceptions, fundingstatus, and reportingaccuracy; support delinquency and collection follow-up withinassigned responsibilities.
• Follow the creditunion’s applicationandcredit-reportcurrencystandards, permissible-purposerequirements, segregationof duties, and escalation procedures; assist with internal reviews and auditfindings.
• Assistmanagementwithimplementation,testing,documentation,andstafftrainingforapprovedloanproducts, procedures, and systems.
• Conductprofessionaloutreachtoexistingandprospectivememberstosupportresponsibleloangrowth, member retention, and community relationships.
• Coordinatelienrecordingandperfection, titletracking, collateralvaluation, requiredinsuranceandloss-payee verification, and relevant bankruptcy or collection documentation; escape legal matters to management.
• Maintain required licensing or registration, including NMLS registration where applicable to assigned residential mortgageoriginationduties; followSAFEAct,TILA/RegulationZ,ECOA/RegulationB,FCRA,HMDAwhereapplicable, and other relevant requirements.
• Monitorlocallendingconditions, competitorpricing, andproductperformance; recommendimprovementsto management without independently changing approved rates or policies.
• Performotherrelatedlending,servicing,andoperationaldutiesasassigned, consistentwithtraining, controls, and delegated authority.

Qualifications

• High school diploma or equivalent
• Bachelor’sdegree in a related field preferred
• 5+yearsoflendingandcomplianceexperience required
• 5+yearsofgeneralcustomerserviceexperience required
• Previous credit union experience preferred
• Abilitytomulti-task,organize,prioritize,andmeet deadlines accurately with a sense ofurgency
• Abilitytoremaincalmunderpressure,especiallyduring peak hoursor intense situations
• Creativeandflexibleproblemsolver;excellent partnering,interpersonal, and coaching skills
• Ability to maintain a high level ofconfidentiality, excellent organizational skills, and attention to detail
• Demonstratedexcellenceinoralandwritten communication
• Abilitytobuildstrongrelationshipsandcredibilitywithall teammembers and credit union members
• Ability to work independently or in teams as required
• Highly organized and self-motivated
• Abilitytomanageseveralloanapplications simultaneously
• Always demonstrates a polite and professional attitude
• Proficiencywith loan origination systems, core processingplatforms,creditbureautools,electronic document workflows, andMicrosoft Office
• Some local travel may be required

Competencies

Consumer Lending, underwriting and credit union operations - Advanced

Pipeline management and prioritization - Advanced

Member service and collaboration - Advanced

Loan Systems and documentation - Intermediate to Advanced

Credit analysis and problem solving - Advanced

Compliance, controls and attention to detail - Advanced

Written and verbal communication - Advanced

Physical Demands and Work Environment

Thephysicaldemandsdescribedherearerepresentativeofthosethatmustbemetbyastaffmembertosuccessfully perform the essentialfunctions of this job. Reasonable accommodations may be made to enableindividuals with disabilities to perform the essential functions.

• Whileperformingthedutiesofthisjob,theemployeeisregularlyrequiredtostand,sit,talk,hear,andusehands and fingers to operate a computer, reach, stoop, and kneel.
• Light to moderate lifting of up to 25 pounds is required.

Theworkenvironmentcharacteristicsdescribedherearerepresentativeofthoseencounteredwhileperformingthe essential functions of this job.Reasonable accommodations may be made to enable individuals with disabilitiesto perform the essential functions.