• Elm Hill Consumer Loan Officer

    Category Branch
    Job Locations US-TN-Nashville
    Job ID
    2019-1765
    Type
    Active - Full Time Hourly
  • Overview

    Create a positive member experience by ensuring that members receive friendly, accurate and timely assistance when originating and processing consumer loans, opening new accounts, business accounts, certificates, and IRAs.

     

    Ascend offers a GREAT Total Rewards Package Including:

    • Competitive compensation
    • Culture that prides itself on promoting from within
    • Bonus potential
    • 100% Company paid medical premiums for employees as well as life insurance, long term disability and AD&D
    • Impressive 401(k) match program
    • Voluntary programs such as dental, vision, additional group term life, accident, cancer, short term disability and critical illness coverage
    • Vacation and sick time that accrues based on length of service
    • Tuition assistance
    • Ten paid holidays each year

    Responsibilities

    • Represent the credit union to the member in a courteous and professional Interview consumer loan applicants, explain loan options, rates, terms, and collateral requirements, prepare all necessary documents, verify employment, obtain credit report – assess member needs and cross-sell credit union services based on business that can be obtained from the credit report and member cues, finalize loan and disburse funds. Build successful long-term relations with member by increasing use of credit union services. Explain the different services and the benefits of each. 
    • Prepare payroll deduction and direct deposit forms and update ACH/Payroll Manager as needed. 
    • Complete extension agreements, sub-action forms and releases of collateral as assigned. 
    • Follow policy and procedures related to the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Customer Identification Program (CIP), and Office of Foreign Assets Control (OFAC) daily to ensure compliance with current regulations. 
    • Open new accounts, such as share, share draft, Christmas Club, etc., and explain various accounts and ownership options. 
    • Accept garnishments and levies as served. Coordinate preparation and processing with legal department as needed. 
    • Open Business Solutions accounts determining correct entity type and offer products depending on business members’ needs.  Prepare necessary documentation and complete transaction. Refer loan leads to manager for follow up. 
    • Receive training of certificate, IRA and HSA programs, and provide members with information and assistance. 
    • Hold the appropriate license(s) to offer insurance products sold by credit union. 
    • Make outbound calls to new account members. Cross-offer appropriate services and submit monthly report to manager. 
    • Work pending and approved loan reports taking action as needed. Keep manager advised of status as required. 
    • Perform other duties as required or assigned.

    Qualifications

    Education:

    • High school graduate or equivalent.

    Experience:

    • One to three years of similar or related experience.   

    Knowledge, Skills and Abilities:

    • A high level of interpersonal skills to conduct productive interviews with loan applicants and cross sell credit union services to the membership. 
    • Must be accurate in all transactions. 
    • Must present a friendly and professional manner toward members. Maintain a professional work environment and businesslike appearance. 
    • Regular and reliable attendance is required. 
    • Working knowledge of computer programs including Microsoft Word, Microsoft Outlook, IRA Service Center Software and the internet.  
    • Must be able to operate or have ability to be trained to operate related office equipment including Biometric Hand Key Pass Vault System, calculator, cash dispense machine, laser printer, receipt printers, coin and currency counters, cash recycler, computer terminal (PC), multifunction copier, imager, Verifone, telephone and typewriter.

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