Full Job Description
In an effort to reduce the impact of the Coronavirus pandemic, Georgia’s Own Credit Union is closely monitoring the spread while taking measures to prevent any potential outbreaks of COVID-19, by enforcing temporary telework for positions that will permit. We are following social distancing guidelines for our branches as well as Main Office where necessary interaction is required. Georgia’s Own will continue to follow Georgia Department of Public Health (DPH) along with the CDC, and state partners to incorporate the most up to date guidance in our planning and preparation efforts to maintain the safest work environment for employees & members.
This position may require you to work remotely. Our plan to accommodate shifting roles is fluid, and the ability to work remotely is a requirement for all non-member facing retail roles.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
Interviews and processes preliminary documentation on loan requests. Discusses loan alternatives, credit criteria, interest rates, and loan documentation in such a manner as to elicit positive responses from members.
Prepares and issues conditional loan approvals for borrowers.
Advises members of loan approval or denial.
Orders appraisals, credit reports, and title reports. Logs dollar amounts received and verifies employment, salary, assets, and liabilities.
Resolves loan application problems. Assists applicants with addressing credit report problems, low appraisals, low salary levels, and high debt ratios.
Reviews information for completeness and accuracy. Clarifies missing or questionable information. Follows up with outside sources of outstanding documents. Ensures that all necessary items are available for underwriting. Tracks development of information to ensure compliance with underwriting guidelines. Resolves conditions of underwriting. Submits loans for final approval.
Prepares files for closing. Checks current PR, appraisal, and interest rate lock. Obtains records for homeowner''s insurance and flood certification.
Prepares miscellaneous correspondence and records.
Resolves (or refers) requests and problems promptly and courteously. Answers member loan questions regarding applications in the process of approval.
Keeps members, Branch personnel, and business partners properly informed of Credit Union policies and procedures. Notifies members of additional information required.
Effectively handles member problems and complaints.
Proactively offers additional products and services to compliment members immediate product needs.
Review credit reports for cross-sell opportunities.
Participates in sales development activities.
Proactively works with assigned loan officer on referrals.
To produce assigned loan volume per month.
To offer suggestions to improve process and efficiencies.
To comply with all CU policies and procedural guidelines.
To utilize sales and service standards to reach expectations.
OTHER JOB QUALIFICATIONS:
Effective analytical, problem solving, organization and planning skills.
Knowledge of consumer lending policies.
Ability to operate loan processing systems, calculators, computers and telephones.
Ability to learn new concepts at fast pace, and to apply these new concepts.
Must be able to work with minimal supervision.
Must have good reasoning and math skills.
EDUCATION AND WORK EXPERIENCE REQUIREMENTS:
Bachelor's degree or equivalent and professional work experience.
2 years lending experience, or customer service experience with proven success.
PHYSICAL REQUIREMENTS: To perform this job successfully, the employee must be able to perform each essential job duty satisfactorily. All employees must be able to communicate face to face or through technology with or without reasonable accommodation. Employee will be in an office environment (well-lighted, heated and air-conditioned) typically stationed at a desk or table. Employee will be asked to sit and stand for various increments of time, and to lift/push up 10 lbs. Clerical office duties on various forms of technology are required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions.
SAFE ACT Disclosure
All positions that have lending responsibilities must comply with all requirements under the SAFE ACT, as well as the union’s policies and procedures related to the SAFE ACT. This includes an obligation on the employee’s part to ensure that NMLA registration pertaining to the SAFE ACT is kept current. The employee must notify the credit union within 30 days of any changes that need to be reflected on the NMLS Registry.
Georgia’s Own Credit Union is an equal opportunity employer and will not discriminate against any employee or applicant on the basis of age, color, disability, gender, national origin, race, religion, sexual orientation, veteran status, or any classification protected by federal, state, or local law. Consistent with obligations under federal law, every company that is a federal contractor or subcontractor is committed to taking affirmative action to employ and advance women, minorities, disabled veterans, special disabled veterans, veterans of the Vietnam era, and other eligible veterans.