Consumer Loan Branch Manager oversees consumer loan activity in a branch with a small to mid-sized loan portfolio. Responsible for achieving loan gain and profit objectives as well as reducing the number of delinquent loans. Being a Consumer Loan Branch Manager requires a bachelor's degree. Typically reports to a manager or head of a unit/department. The Consumer Loan Branch Manager supervises a small group of para-professional staff in an organization characterized by highly transactional or repetitive processes. Contributes to the development of processes and procedures. To be a Consumer Loan Branch Manager typically requires 3 years experience in the related area as an individual contributor. Thorough knowledge of functional area under supervision. (Copyright 2024 Salary.com)
OVERALL JOB PURPOSE
The Loan Officer will be responsible for interviewing, analyzing, underwriting and rendering decisions on loan applications using background information, applicant’s credit history and policy guidelines.
DUTIES AND RESPONSIBILITIES
The duties and responsibilities of this position include but are not limited to:
Gathers background information on loan applicants through interview and credit bureau reports
Assists members with loan application process to ensure completeness of information
Verifies debt-to-income ratios, and calculates level of outstanding secured and unsecured debts
Determines collateral needs, strength of collateral and payment plan
Verifies accuracy of application information, loan amounts and repayment terms, and ensures approved loan requests are originated
Approves or denies consumer and real estate loan applications within credit union parameters and lending limits
Explains reasons for denial and explores options for members when loans are denied
Sells products and/or services to meet members’ needs and to achieve Credit Union goals and objectives
Implements new loan products and system services in accordance with management direction
EDUCATION AND EXPERIENCE REQUIREMENTS
Schedule: Monday - Friday 8:30 a.m. to 5:30 p.m., rotating Saturdays 8:30 a.m. to 1:30 p.m.
*** Please submit an employment application to www.sandia.org/careers ***
Sandia Area Federal Credit Union (SAFCU) is an Equal Opportunity Employer.
SAFCU provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.
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