Texas Health Credit Union · 2 weeks ago
Consumer Loan Officer
Austin, TX
Full-time
Onsite
Entry, Mid Level
2+ years expTexas Health Credit Union is a dedicated partner in their members' financial journeys, seeking a Consumer Loan Officer. The role involves providing transparent lending assistance, originating consumer loans, and ensuring a seamless member experience while adhering to regulatory standards.
BankingFinanceFinancial ServicesLending
Hiring Manager
Juan Molina
Responsibilities
Receive and process consumer loan applications in a prompt, accurate, and courteous manner in accordance with THCU policies and regulatory requirements
Communicate with members throughout the application process, providing status updates, requesting documentation, explaining decisions, and setting clear expectations for next steps
Recommend appropriate lending solutions and ancillary protection products such as GAP, MBP, and Credit Life/Disability, ensuring all disclosures are clear, accurate, and compliant
Recognize opportunities to deepen member relationships by identifying relevant THCU products and services — including refinancing opportunities, credit cards, home equities, and protection products — and making appropriate referrals in a consultative, non-pressured manner
Support THCU lending campaigns and targeted promotions by identifying eligible members, explaining benefits, and conducting timely outreach consistent with program guidelines
Conduct proactive outreach through phone calls, email, and in-branch conversations, ensuring compliance with member communication preferences, consent requirements, and documentation standards
Maintain service standards for response times, follow-up, and first-touch resolution
Collect and verify required documentation including identification, income verification, insurance, and collateral information
Prepare loan applications for underwriting review and work closely with underwriting to resolve conditions or questions
Coordinate funding activities, including obtaining signatures, ensuring proper disclosures, and confirming accuracy prior to disbursement
Monitor pending applications to ensure timely completion and minimize abandoned or expired applications
Complete title and lien work for vehicle loans, including payoff requests, lien placements, corrections, and follow-up with members and dealerships
Track outstanding titles and resolve discrepancies or delays with members, dealers, or state agencies
Assist with the processing of home equity loans by gathering required documentation, coordinating with third parties, and ensuring compliance with Texas home equity regulations and THCU procedures
Identify potential fraud or high-risk activity, escalate appropriately, and follow red-flag procedures
Follow all applicable policies and regulations including BSA/AML, CIP, OFAC, Fair Lending/ECOA, TILA, FACTA/Red Flags, Privacy (GLBA), and adverse-action procedures
Maintain accurate and complete records, ensuring documentation supports decisions and audit readiness
Protect member information at all times and use sound judgment in handling confidential data
Work collaboratively with branch staff, underwriting, collections, and other departments to ensure a smooth member experience
Participate in training and development to maintain current knowledge of loan products, systems, and regulatory guidelines
Provide feedback on campaign effectiveness, member responses, and operational obstacles to help refine future promotions
Suggest process improvements that enhance service quality, efficiency, or risk mitigation
Perform other duties as assigned
Qualification
Required
High school diploma or equivalent required
Minimum of 2+ years of experience in consumer lending, loan processing, or a comparable financial services role involving direct member/customer interaction
Strong member-service orientation with the ability to communicate clearly, professionally, and with empathy in person and over the phone and through email
Working knowledge of consumer loan products and protection products such as GAP, MBP, and Credit Life/Disability
Ability to collect, review, and verify income, identification, and collateral documentation with a high level of accuracy
Familiarity with loan application workflows, including documentation, disclosures, and coordination through funding
Basic understanding of applicable regulations such as BSA/AML, CIP, OFAC, Fair Lending/ECOA, TILA, and privacy requirements, with a willingness to learn more
Strong organizational skills, with the ability to manage multiple applications, follow up with members, and meet service and production deadlines
Demonstrated ability to recognize cross-sell and referral opportunities while maintaining a consultative, non-pressured approach
Comfortable using computer-based systems and digital workflows, with the ability to learn new software quickly
Proficiency with Microsoft Office applications (Word, Excel, Outlook) and the ability to draft clear, professional emails
High attention to detail and accuracy, particularly when reviewing member information, titles, and loan documentation
Ability to work independently while contributing positively to a team environment
Ability to remain seated or standing for extended periods while working at a computer or meeting with members
Frequent use of hands and fingers to operate a computer, keyboard, telephone, and standard office equipment
Ability to converse and exchange information with members and team members in person and over the phone
Visual ability sufficient to review documents, read screens, and verify member information with accuracy
Occasional lifting or moving of boxes, files, or office supplies up to approximately 20 pounds
Preferred
Additional coursework or certification in banking, finance, or consumer lending is preferred but not required
Experience working with loan applications, documentation collection, and member communication throughout the loan process is strongly preferred
Prior exposure to title work, collateral documentation, or home equity processes is helpful but not required
Company
Texas Health Credit Union
TEXAS HEALTH CREDIT UNION is a financial banking firm that provides financial products and services in a personal and professional manner.
11-50 employees
Funding
Current Stage
Early StageCompany data provided by crunchbase