Credit Risk Officer jobs in Maine

About OTIS FCU

Founded in 1954, OTIS Federal Credit Union is a member-owned, not-for-profit financial institution serving over 11,000 members in western Maine. We offer real estate, auto, and personal lending; digital banking; a variety of checking, savings, and investment accounts; and much more. Our team is committed not only to providing industry-leading rates and exceptional hometown service, but also to giving back to the community. Join the OTIS FCU family today!

Summary of Position

We are seeking a highly motivated, reliable, and friendly Loan Officer to join our team. As a member of our lending team, you will assist members with their consumer and real estate lending needs, analyze loan requests (including Indirect Lending), and make credit decisions based on limited lending policy and authorizations. The ideal candidate will have strong communication skills and a passion for helping our members achieve their financial goals.

Application Deadline: May 10, 2024.

Schedule

Full-time, weekdays 8:20a-5:00p

Benefits

• Medical, Dental, Vision, Life insurance
• Short-term and Long-term Disability – 100% employer paid
• 401(k) with employer match
• Generous PTO and paid holidays
• Paid volunteer time
• Competitive pay
• Tuition reimbursement

Essential Functions & Responsibilities

• Interviewing member loan applicants and online applications to develop information concerning their loan needs, earnings, and financial condition.
• Analyzing the current financial position of members to determine the degree of risk involved in extending credit or lending money.
• Deciding to approve, disapprove, or forward the loan request to higher levels for decision.
• Explaining loan programs to members, evaluating their needs, and recommending loan options including appropriate ancillary products.
• Establishing the terms and conditions of an approved loan and reviewing them with the member.
• Keeping informed of current trends in consumer credit.
• Participating in sales development activities.
• Completing other duties as assigned.

Knowledge & Skills Required

• Experience: 1-3 years of similar or related experience
• Education: High school diploma or GED
• Interpersonal Skills: Motivating or influencing others is a material part of the job. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas or services to others. The role requires a significant level of trust or diplomacy.
• Other Skills: Knowledge and proficient use of Microsoft Office Suite (Word, Excel, Outlook); effective verbal and written communication skills; ability to maintain confidentiality of information as appropriate.

Please submit a cover letter and resume detailing your relevant experience. Applicants may submit their documents by email to employment@otisfcu.coop; by mail to PO Box 27, Jay, ME 04239; or in person at 170 Main Street in Jay.

Please Note: This job description is not a complete statement of all duties and responsibilities comprising the position.

Job Type: Full-time

Schedule:

• 8 hour shift

Work setting:

• In-person

Work Location: In person