Wheelhouse Credit Union · 12 hours ago
Loan Officer II
San Diego, CA
Full-time
Onsite
Entry, Mid Level
2+ years expWheelhouse Credit Union is seeking a Loan Officer II to make credit decisions for members seeking various loans. The role involves reviewing loan applications, interviewing applicants, and ensuring compliance with lending regulations while providing support to branch personnel and management.
BankingCreditFinancial ServicesGovernment
Responsibilities
Act as a resource for dealer and staff questions regarding the Credit Union’s loan programs
Within established guidelines and procedures, perform work requiring the use of judgment and discretion in making credit decisions for consumer (direct/indirect) and real estate loans
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
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
Company
Wheelhouse Credit Union
Wheelhouse Credit Union is a local credit union that is committed to the financial success and sustainable future of the city.
51-200 employees
Funding
Current Stage
Growth StageRecent News
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