Loan Officer Ii

**Summary**:
**Essential Duties and 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.
- Inform management of the progress and performance of dealer partners.
- Prepare monthly production reports and provide information to manager.
- 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.

**Position Requirements and Qualifications**:

- 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.