Consumer Lending Loan Processor

Pacific Service Credit UnionConcord, CA, US

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Job Description

Working for Pacific Service Credit Union

We put people first. That includes our members, our employees and the communities we serve. We hire energetic and enthusiastic people who want to work as part of our team.

What’s in it for you?

Health insurance coverage : We provide our employees with 100% premium employer-paid medical, dental, vision, disability and basic life insurance for full-time employees and a low monthly premium for eligible dependents.

401k : We contribute 3% of your base salary to your 401k account regardless of whether you contribute or not. In addition, we match 75% of your contributions up to the first 3% of eligible compensation beginning after your first day of employment and up to 6% after three years of service. All employees are vested at 100% for the employer match beginning the first day of employment.

Bonus program : All employees are rewarded for attaining our annual organizational goals.

Tuition Reimbursement program for employees eligible after six months of service.

Recognition program where employees can be nominated by management, their peers or by members.

Employee referral bonus.

Student Loan Repayment Assistance : Contributions toward your student loans every month by the credit union after six months of service.

Employees are eligible to receive a consumer loan rate discount

Vacation and sick time : Full-time employees receive more than two weeks’ vacation per year, 11 paid holidays and 10 days of sick leave.

Our Hiring Process

We believe it’s important for you to know where you stand in our hiring process. Below is an outline of the steps we take to make the best hires possible.

Apply : Submit your resume for one of our job openings.

Our Talent Team and our partner – Total Quality Consulting (TQC Team) will review your submitted information and will call or email successful applicants for an interview as soon as possible.

In-Person Interview : After a screening call with TQC, we’ll invite a final number of candidates to our office for an in-person interview or set up a live Zoom meeting with the hiring manager(s).

If we believe that you have what it takes, we'll make an offer and provide next steps in the hiring process!

ABOUT THIS ROLE :

At Pacific Service Credit Union, we are committed to strengthening our members’ financial future through trustworthy practices, superior products, and exceptional service.

The Consumer Lending Loan Processor is responsible for the processing of credit applications in accordance with Credit Union guidelines and providing support as directed by supervision for other departmental needs.

ESSENTIAL JOB FUNCTIONS :

Recommend and cross-sell credit union products and services to members in accordance with established goals.
Discuss approvals and declines with members.
Actively pursue cross sell opportunities to offer and promote the credit union array of products and services.
Support departmental needs.
Coordinate will-call members’ needs.
Answer telephone, credit and information requests and work through difficult member situations in a timely manner.
Seek continued improvement and development of job / department functions.
Enthusiastically provide support for credit union mission goals.
Comply with all federal and state laws, as well as organizational policies, procedures, and processes, including, but not limited to; guidelines related to the Bank Secrecy Act (BSA), Identity Theft Red Flags, Office of Foreign Assets Control (OFAC) and the Secure and Fair Enforcement for Mortgage Licensing (SAFE) Act.
Performs related responsibilities as required.
May be assigned basic credit authority for approving low risk credit applications.
Act in Funder capacity as back up, when needed.
Maintain regular and reliable attendance, including punctuality, are essential to achieving organizational excellence.

SUPPORTING FUNCTIONS :

Performs special projects and other responsibilities as assigned.

COMPETENCIES :

The following competencies are essential for success in this role :

Collaboration : Establishes and maintains effective relationships, exhibits tact and consideration, displays positive outlook and pleasant manner, offers assistance and support to co-workers, works cooperatively in group situations, works actively to resolve conflicts

Effective Communication : Expresses ideas and information in a clear and concise manner; tailors message to fit the interests and needs of the audience; delivers information in a manner that is interesting and compelling to the listener; keeps others adequately informed

Execution : Turns strategy into action, aggressively pursues challenging goals and objectives; willing to put in requisite time and effort to accomplish objectives; takes a highly focused, goal driven approach toward work; implements plans efficiently and produces desired results within a specified timeframe

Job Knowledge : Competent in required job skills and knowledge, exhibits ability to learn and apply new skills, requires minimal supervision, displays understanding of how job relates to others, uses resources effectively

Member / Customer Focus : Displays courtesy and sensitivity, manages difficult member / internal customer situations, meets commitments, responds promptly to member / internal customer needs, solicits feedback to improve service

Problem solving : Identifies and resolves problems in a timely manner, gathers and analyzes information skillfully, develops alternative solutions, resolves problems in early stages, works well in group solving situations

Quality of work : Demonstrates accuracy and thoroughness; critically reviews work processes to ensure quality; identifies and resolves problems that could impact quality; makes sure deliverables and services meet all requirements, expectations and deadlines; does not make the same mistakes twice

These competencies are essential to upholding our values and delivering exceptional service to our internal and external members.

REQUIRED MINIMUM QUALIFICATIONS :

Education :

High School diploma, GED, or equivalency required.

Experience :

Minimum of 1+ year of experience in consumer lending or like position required.

PREFERRED QUALIFICATIONS :

Ability to communicate effectively both verbally and in writing.

Knowledge of Symitar and Lending 360 systems preferred.

Must be eligible to obtain and maintain valid registration with the National Mortgage Licensing System (NMLS) and Registry in compliance with the requirements of federal law and the SAFE Act.

Proficiency in computer programs, i.e., Microsoft Office and ability to use keyboard, ten-key calculator, and other video display terminals required.

Must have knowledge of basic mathematics skills.

This position must possess the ability to effectively work at fast pace in a changing environment while coordinating a variety of activities simultaneously.

PHYSICAL REQUIREMENTS :

Ability to sit or stand at a desk for extended periods of time, with the option to adjust to a sit / stand desk to accommodate comfort.

Hearing Ability : Ability to hear and understand spoken communication, both in person and via phone.

Lifting and Carrying : Occasionally lift and carry materials such as files or office supplies weighing between 0 and 30 lbs.

Manual Dexterity : Proficient use of hands and fingers for typing, using office equipment, and handling documents.

Mobility : Ability to move around the office to attend meetings or assist colleagues as needed.

Verbal Communication Skills : Ability to speak clearly and effectively to communicate with internal and / or external members. Frequent use of telephone headset may be required.

Visual Acuity : Ability to view and read computer screens and related documentation with accuracy.

OTHER INFORMATION : Hours Required :

A work schedule of Monday through Friday, generally 8 a.m. to 5 p.m. Hours may fluctuate moderately to accommodate business needs.

This position is eligible for the credit union's telecommute policy.

Travel Requirements :

Less than 5% local travel time required.

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