To assist members with their consumer lending needs; analyze loan requests and make credit decisions based on lending policy.
Major Duties and Responsibilities:
Reviews member loan applications to develop information concerning their loan needs, earnings, and financial condition.
Analyzes current financial position of members to determine the degree of risk involved in extending credit or lending money. Makes decision to approve, disapprove, or forward the loan request to higher levels for decision.
Establishes the terms and conditions of an approved loan and reviews them with the member.
Explains loan programs to members, evaluates their needs and recommends loan options.
Prepares and/or reviews all loan documents for completeness and accuracy.
Follows current loans to ensure compliance with terms and coordinates with collections.
Keeps informed of current trends in consumer credit.
Participates in sales development activities.
Peforms other duties as assigned.
To produce assigned loan volume (dollars and/or numbers).
To sell assigned volume of insurance products.
To maintain a professional, courteous, and friendly atmosphere for members and co‑workers.
To develop sales and service skills necessary to cross sell credit union products/services to our members.
Every credit union employee hired is responsible for understanding and complying with the Bank Secrecy Act. The initial training is done at hire with a signed new employee confirmation on the Bank Secrecy Act to be filed in the employee's personnel file and will be included in all subsequent performance evaluations.
Knowledge and Skills:
Two years to five years of similar or related experience.
A high school education or GED.
A significant level of trust and diplomacy is required, in addition to normal courtesy and tact. Work involves extensive personal contact with others and/or is usually of a personal or sensitive nature. Work may involve motivating or influencing others. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary.
Florida Central Credit Union is a not-for-profit financial cooperative dedicated to helping its members. For over 40 years Florida Central...