Real Estate Loan Officer - Wauna Credit Union

Wauna Credit Union is seeking a Real Estate Loan Officer based in our Warrenton Branch. Read on if you love helping people and guiding them in financing their dream home!

We would have you assist our members by providing them with mortgage loan products and services. If you have past mortgage and banking experience, this could be your next job!

We offer an opportunity to serve your community, a competitive salary plus lucrative commissions, and a generous benefits package. To join our winning team, please apply!

SUMMARY: This position will assist members with regard to credit union mortgage loan products and services. Tasks include, but are not limited to: greeting the members; reviewing and understanding credit reports; making decisions on whether to grant consumer and real estate loans; processing consumer and real estate loan applications and disbursing loans; cross selling by identifying, describing and recommending loan products and services that are best suited to fulfill the needs of the member; perform collection efforts on loans granted; counseling members with regard to their credit; answering account questions; handling complaints; and making changes to accounts as necessary. May assist with lending coverage in all branches and identifying training needs. This is a non-exempt position.

ESSENTIAL DUTIES AND RESPONSIBILITIES: Duties include, but are not limited to:

1. Use AID,Inc principles to serve our members and meet CU sales and service goals
2. Maintain a thorough understanding of credit union products and services and cross sell to meet member needs and reach assigned sales goals.
3. Assist and advise members with maintaining loan accounts
4. Approve consumer loans, VISAs and real estate loans within the limits set by management and credit union policy
5. Conduct loan interviews, complete consumer loan documents and disburse funds on approved consumer loan applications
6. Perform transactions for Share, Loan, Visa, Draft, Money Market and Holiday Club accounts
7. Maintain a thorough understanding of credit union products and services
8. Maintain loan files, making certain all supporting documents are in place and file is properly filed
9. Perform account changes as necessary using correct forms and online software
10. Disclose to members rates and fees for all accounts and loans, based on Rate and Fee Schedules
11. Promote and cross sell products and services
12. Prepare Direct Deposit, Payroll and Pre-authorized Funds Transfer forms and direct the forms through proper channels
13. Obtain and evaluate credit reports
14. Provide collateral protection insurance (CPI) answers to the membership
15. Evaluate CPI insurance inquiry reports and discuss with Supervisor those accounts which need the coverage (to be maintained in Clatskanie Branch)
16. Make changes on vehicle titles and send to Department of Motor Vehicles
17. Participate with Branch Manager and other Loan Officers in establishing and maintaining good working relationships with car dealers in the community
18. Be prepared to provide Kelly Blue Book quotes on the value of collateral using installed software
19. Perform audits of loan files prepared and approved by Loan Officers
20. Perform collection efforts on loans approved by the individual Loan Officer as directed by management
21. Understands compliance issues and attends training as they relate to their position, including, but not limited to, the Bank Secrecy Act, US Patriot Act, etc.
22. Provide financial counseling to members, with ability to evaluate the member's financial condition and suggest alternative plans to create a better financial standing for the member
23. Conduct loan interviews, analyze, complete loan documents, approve and disburse funds on in-house, HELOC and secondary market real estate applications
24. Be familiar with loan products offered by competition and make suggestions to help create a marketing approach for WFCU to promote and provide members a sound lending program
25. Perform drive-by appraisals for in-house real estate loans
26. Maintain current NMLS registration
27. Participate with Branch Manager and other Loan Officers in establishing and maintaining good working relationships with real estate agencies, title companies and other businesses in the community

EDUCATION REQUIREMENTS:

1. High School diploma or GED equivalent
2. Two years progressive experience in consumer lending and building relationships successful with local car dealers or other businesses for consumer lending purposes
3. At least three years consumer and real estate loan application processing experience