Consumer Loan Collection/Recovery Rep. jobs in Albuquerque, NM

Description

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

Qualifications

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.

• Two year Business or related degree or equivalent experience required
• Between three and five years financial institution experience including progressive responsibilities in consumer lending
• Technical study of loan practices required
• General knowledge of credit unions and operations desirable
• Must be in good standing in the Nationwide Mortgage Licensing System and Registry and hold a Mortgage Loan Originator License
• Requires excellent analytical skills where lending decisions are complex
• Excellent interpersonal communication skills to communicate positive or negative lending decisions to members
• Solid understanding of National Credit Union Administration lending regulations and credit union lending policies and procedures
• At ease selling credit union products and services
• Productive degree of initiative to manage large volume of incoming loan applications
• Flexible in judgment making
• Excellent oral and written communication skills
• Ability to set priorities to meet deadlines
• High level of organizational skills
• Must be able to life up to 10 lbs.

*** 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.