Loan Officer

Position Summary

Champions Orlando Credit Union's Mission, Vision, and Values and endeavors to ensure that the organization is achieving its mission to build lifelong relationships with each member, internally and externally, by empowering their financial momentum. Responsible for processing member transactions, opening new accounts, and originating consumer loans accurately and confidentially. Delivers exceptional service across in-person, phone, and online channels. Build strong member relationships by promoting credit union products and identifying cross-sell and referral opportunities. Supports a sales and service culture aligned with Orlando Credit Union's mission to exceed member expectations.

Essential Duties and Responsibilities

• • Responsible for all Loan Officer duties, focusing on loan origination and new accounts in line with Orlando Credit Union lending goals.
• Originate consumer loans by engaging with members, conducting thorough interviews, accurately completing loan applications, evaluating credit reports, preparing well-supported recommendations for approval or denial, and coordinating all aspects of the loan closing process.
• Open accounts and loans, accurately complete all required documentation, diligently follow up with members to secure necessary paperwork for loan funding, promptly address member inquiries, and resolve any exceptions identified through quality control reviews.
• Conduct final reviews of lending queues prior to underwriting to minimize pending applications and ensure timely, well-informed decisions in accordance with organizational standards.
• Actively promote marketing campaigns by informing members about the benefits and providing tailored financial recommendations, which include conducting outbound calls.
• Use needs-based sales techniques to discuss products that deepen member relationships and offer ancillary products such as Credit Life and Disability, GAP, and Warranty (MBI), explaining their benefits.
• Demonstrate comprehensive understanding of and adherence to Orlando Credit Union policies, product procedures, membership eligibility requirements, legal documentation standards, and applicable federal and state regulations.
• Prepare daily, weekly, and monthly reports related to accounts opened and closed, loans approved and funded, ancillary products sold, and all necessary regulatory documentation. This includes, but is not limited to, the completion of Currency Transaction Reports (CTR) and Suspicious Activity Reports (SAR).
• Ensure branch safety by following established procedures for opening/closing, member verification, nightly security sweeps, alarm testing, and always utilizing dual control.
• Maintain the Credit Union's commitment to regulatory compliance by understanding and consistently following all applicable federal and state laws, including the