ARIZONA CENTRAL CREDIT UNION Consumer Lending Officer Salary in the United States

Summary of Job Functions and Responsibilities:

• Assist loan department and credit union in building loan portfolio to meet credit union goals
• Answer incoming calls and handle caller’s inquiries
• Responsible for reviewing and analyzing current financial position of applicant(s) to determine the degree of risk involved in extending credit
• Accept system approval recommendation upon verification that loan request meets credit union guidelines or forward the loan request to a higher level for decision
• Establish the terms and conditions of an approved loan and informs members/dealers of lending policies, stipulations, collateral requirements, and repayment terms
• Gather required information & documentation from the dealer or member and prepare loan file for booking by entering required data in system
• Foster a positive productive role towards building relationships with dealers and other third parties, in person and on the phone
• Calculate and verify proof of income.  Verify other loan file information and documentation for accuracy and completeness
• Books direct and indirect loans in credit union’s core system and disburses proceeds accordingly
• Keep informed of current trends in consumer credit
• Prepares and/or reviews all loan documents for completeness and accuracy 
• Assist in cross training duties as assigned

• Comply with Bank Secrecy Act (BSA)/ Anti-Money laundering programs, USA Patriot Act and Office of Foreign Assets Control (OFAC) requirements

Employee may be asked to perform other job duties as assigned, nothing in this job description shall restrict management's right to assign or reassign duties and responsibilities to this job at any time.

Knowledge, Skills and Abilities:

Experience:  Three to five years of similar or related experience

Education:  A high school education or GED

Interpersonal Skills: Courtesy, tact, and diplomacy are essential elements of the job. Work involves much personal contact with others inside and/or outside the organization for purposes of giving or obtaining information, building relationships, or soliciting cooperation.

Other Skills:  Excellent verbal and written communication skills.  Must be proficient on computer and operate 10-key calculator.  Must have sound and consistent judgment and decision making abilities. Possess ability to interact and motivate others, have knowledge of credit union products and services, and have professional appearance and demeanor in all business settings.

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this job.

While performing the duties of this job, the employee is regularly required to sit or stand and talk or hear. The employee is frequently required to walk, use hands to finger, handle, or feel and reach with hands and arms. The employee must occasionally lift and/or move up to 25 pounds.