Civic Federal Credit Union · 2 months ago
Consumer Loan Officer
Raleigh,NC,US
Full-time
Onsite
Entry Level
1+ years expCivic Federal Credit Union is dedicated to fostering a diverse and supportive work environment. The Consumer Loan Officer is responsible for guiding members through the consumer lending process, managing digital loan applications, and ensuring clarity and completeness throughout the borrowing journey.
BankingCredit CardsFinancial Services
Responsibilities
Review assigned digital and branch-submitted loan applications to ensure the selected product, amount, and term align with the member’s financial needs and objectives
Contact members to engage in consultative discussions related to loan purpose, product fit, or clarification prior to underwriting submission
Work collaboratively with Consumer Underwriting to ensure applications are accurate and complete, and proactively gather missing information or documents needed for decisioning
Support fulfillment and underwriting partners by submitting well-prepared, accurate, and complete applications
Proactively follow up with members on approved loans to explain terms, verify member intent, and collect any stipulations needed to move the loan to closing
Contact members on declined loan applications (as applicable) to explain the outcome and offer guidance on improving future approval chances
Utilize the loan origination system (LOS) and internal workflows to update application status, document member interactions, and route applications appropriately
Adhere to all regulatory and internal policies when collecting, documenting, or communicating with members
Maintain knowledge of all consumer lending products—including unsecured term loans, personal lines of credit, auto loans, and HELOCs—to support members in product selection
Meet productivity and service level expectations for daily contact volume, turnaround time, and member satisfaction
Participate in training and coaching sessions to maintain proficiency in underwriting principles, loan structuring, and credit fundamentals
Contribute to process improvement initiatives by identifying trends, bottlenecks, or opportunities for better member communication
Take ownership for actions, decisions, and results; openly accept feedback and demonstrate both the willingness and ability to improve
Qualification
Required
1 – 3 years of experience in consumer lending or member service roles involving lending conversations, including 1-3 years at a financial services organization
Working knowledge of consumer loan products including personal loans, auto loans, and HELOCs
Strong communication skills, with the ability to explain loan terms, credit decisions, and stipulation requirements clearly
Familiarity with credit reports, DTI calculations, and basic underwriting principles
Ability to use loan origination systems and CRM tools to document member contact and update application status
High attention to detail, organizational skills, and the ability to manage a high volume of applications in a fast-paced, centralized environment
Member-focused mindset with a consultative, empathetic approach to lending
Ability to function in a Consumer business office environment and utilize standard office equipment including but not limited to: PC, copier, telephone, etc
Ability to lift a minimum of 25 lbs. (file boxes, computer)
Travel required on occasion
Preferred
Credit Union experience preferred, particularly in a digital or centralized lending model
Exposure to Fiserv Velocity or similar LOS platforms
Bilingual (Spanish) is a plus
Familiarity with digital member interactions, including secure messaging platforms or digital follow-up tools
Ability to analyze credit reports and make basic recommendations on loan alternatives
Company
Civic Federal Credit Union
Civic Federal Credit Union provides checking, savings account, loans, credit cards, personal, and business banking services.
201-500 employees
Funding
Current Stage
Growth StageLeadership Team
Dwayne Naylor
President / Chief Executive Officer
Sandy Steward
Chief Technology Officer
Recent News
Civic Federal Credit Union
2025-09-26
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