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Wheelhouse Credit Union · 4 hours ago

Loan Officer II

San Diego,CA,US

Full-time

Onsite

Entry, Mid Level

2+ years exp

Wheelhouse Credit Union is seeking a Loan Officer II to perform credit decisions for members seeking various loans. The role involves reviewing loan applications, interviewing applicants, and preparing documentation while ensuring compliance with lending regulations.

BankingCreditFinancial ServicesGovernment

Responsibilities

Perform work requiring the use of judgment and discretion in making credit decisions for members seeking a variety of loans

Responsible for reviewing loan applications, interviewing loan applicants and obtaining other documentation to determine credit worthiness of applicant and disposition of loan

Prepare appropriate documentation and related forms for submittal to the Lending Manager

Develop information and stipulations to process loan applications such as verification of income and credit reports

Act as a resource for dealer and staff questions regarding the Credit Union’s loan programs

Review all applications to insure completeness and accuracy of information

Inform branch personnel, members and/or dealers of loan requirements and matters affecting the granting of loans

Set stipulations for loan applications accordingly to achieve sound lending decision

Inform management of the progress and performance of dealer partners

Prepare monthly production reports and provide information to manager

Provide recommendations, written or verbal, to the Lending Manager and/or the Credit Manager with regards to credit applications outside individual underwriting authority

Assist branch personnel in facilitating the closing and disbursement of loans insuring that guidelines and stipulations are met

Remain current on lending regulations and guidelines

Complete reports as requested by management

Maintain effective working relationship with staff

Register with the Nationwide Mortgage Licensing System and Registry (NMLS). Will be required to undergo a background check. Registration with the NMLS to be maintained on an annual basis

All other duties assigned

Qualification

Underwriting experienceLoan processing experienceLending regulationsLoan interviewing experienceLoan underwriting courseMicrosoft Office proficiencyAnalytical skillsCommunication skillsOrganizational skillsCollaborative skills

Required

High school diploma or equivalent

Minimum of two years of underwriting experience or having the equivalent experience by completing all of the following: Three years of loan interviewing experience, Two years of loan processing experience with consumer loans, Minimum of six months of hands on underwriting experience, Completion of an industry recognized loan underwriting course, minimum of 20 hours

Strong organization, communication (written and verbal) and analytical skills with the ability to explain underwriting requirements in a clear and concise manner

Strong knowledge of laws, regulations, policies and procedures as they pertain to lending

Proficiency with ten key adding machine, calculator and Microsoft Office products

Working knowledge of computers and ability to learn new systems

Knowledge and understanding of the mission and vision of the Credit Union. Strictly adhere to the Credit Union's policy of confidentiality, security, professional conduct and dress

Excellent collaborative skills and the ability to develop and maintain positive working relationships are essential