Loan Officer
Company: Beacon Credit Union
Location: Danville
Posted on: May 24, 2023
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Job Description:
Loan Officer - RoleThe primary purpose of Loan Officer position
is to assist Beacon Credit Union to live out our mission,
"Dedicated to Our Member's Financial Success," by delivering
outstanding service to both internal and external members. A key
component of this service delivery is to identify the financial
needs of each member and recommend an appropriate Credit Union
solution. In addition, the Lending Specialist processes and closes
consumer loan applications received by the organization that are
approved by the Centralized Lending Department. This position
screens consumer application packages to determine all
documentation requested by the Centralized Lending Department is
gathered. The Consumer Loan Officer will understand the principles
of the five C's of credit coupled with Beacon CU's policies and
procedures. Meets and exceeds monthly sales and loan goals.
Knowledgeable and Understands Beacon CU's products and services
when offering/opening accounts. Ensures Beacon's mission statement
and service standards are met with every member every time.
Understands how to apply the Mike Neill techniques to achieve
success.Loan Officer - Major Duties and ResponsibilitiesEnsure that
each approved application is closed using Beacon CU's lending
standards. The lending specialist will submit all loan requests
with accuracy and timeliness. Have an understanding to ensure each
loan is underwritten to Beacon's policies and procedures. Any loan
approved outside of guidelines must have proper signatures for
approval. Must meet and exceed loan and sales goals monthly.
Understands and applies the principles of the 5 C's of Credit,
Understands how to counsel members/customers on improving their
financial position.Is knowledgeable and understands all of Beacon
CU's products and services. Responsible for increasing product and
service penetration with current as well as potential members.
Understand and Follow the guidelines set forth in our sales module
(Mike Neill) to fulfill our mission statement and service standards
to every member every time.Review completed loan packages prior to
funding of the loan. Review and compliance completed loan packages
before sending to loan review.Act in the capacity of a Teller when
requested. Must understand all applicable teller policies and
procedures. Use the Mike Neill methods. mission statement, and
service standards are met while on the teller line to insure every
member every time is our standard.Follow all applicable
regulations, including Bank Secrecy Act, Patriot Act, Reg CC and
Anti-money Laundering. Adheres to all SAFE ACT regulations.Deliver
outstanding service to external and internal members in alignment
with the Credit Union's service standards.All other duties assigned
by management.ExperienceTwo years Lending Experience RequiredTwo
years working in a Financial InstitutionSales Experience
Keywords: Beacon Credit Union, Danville , Loan Officer, Other , Danville, Virginia
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