Financial Service Officer/Loan Officer

The primary responsibility of this position is to assist NorthRidge Community Credit Union to live our Core Purpose, 'We encourage learning and understanding of unique financial situations and provide tools for our members to reach their dreams.' A key behavior in living out our Core Purpose is to identify member needs and recommend appropriate NorthRidge Community Credit Union solutions. We serve our members and team members by exhibiting behaviors that reflect our Core Values:

 Relationships: We care about you.
 Integrity: Do what's right.
 Advocacy: We work on your behalf.

In addition this position will interview, recommend and authorize approval of consumer credit loans. This position analyzes consumer loan requests based on the members story while adhering to lending policy and authority limits. The main focus is to help our members become financially secure. 

 
Essential Functions & Responsibilities:
 
Interviews and reviews applications for consumer loan business. Advises on loan options and requirements.

Analyzes financial condition to include credit history, credit score, collateral and other financial information to assess the degree of risk and the member’s ability to repay the loan. Makes decisions within loan approval authority or forwards the loan request to higher levels for decision. 

Completes or directs completion of all loan documents. Ensures documentation is complete and accurate. Completes required reports and records. Meets with member to explain terms and conditions and close the loan 

Stays informed of new types of loans, lending trends, and all other financial services and products to better meet members' needs. Ability to step into frontline role as needed.