Perform an in-depth analysis of a borrower’s qualifications to make a lending decision within the credit unions risk tolerance.

• Conducts direct channel loan approvals and denials for 19 consumer products.
• Reviews FSO, MRA, FSC, and VSC loan files, identifies errors, and makes corrections
• Identifies and suggests alternative options to help members qualify for approvals
• Provides on-going education and training to FSO’s outside of classroom
• Assist with new loan procedures and updating current procedures.
• Assist with training new underwriting personnel.
• Make sound lending decisions
• Identifies lending cross sell opportunities
• Builds and maintains relationship with consumer lending vendors in order to uphold lending standards
• Support credit union staff in helping them achieve lending goals

Bachelor’s Degree or equivalent experience preferred. 0-2 years lending experience preferred but not required. Good communication and interpersonal skills. General knowledge of lending policies. Ability to always maintain confidentiality of Credit Union and member records.

Performance Standards:

Ability to deal with pressured situations in a professional manner. Professional in appearance, attitude, and verbal communication. Must be willing to comply with the Bank Secrecy Act and USA Patriot Act as implemented by Idaho Central Credit Union.

Physical Requirements:

• Perform tasks requiring manual dexterity (processing paperwork, filing, stapling, sorting, collating, typing, counting cash, etc.).
• Sit for extended periods of time.
• Lift 20-40 pounds of applicable supplies including but not limited to copy paper, cash drawers, marketing material, etc.
• Repetitive motion using wrists, hands, and fingers.
• Reach keyboards.
• Ability to operate basic office machines (calculator, computer, telephone, copy machine, fax machine, etc.).

The above statements reflect the general details considered necessary to describe the essential functions of the job and should not be construed as a detailed description of all the work requirements that may be inherent of the job.

Must be eligible for membership at Idaho Central Credit Union to obtain employment.

Idaho Central Credit Union is an Equal Opportunity Employer. Employment decisions are made without regard to race, color, religion, national or ethnic origin, sex, age, disability, protected veteran status or other characteristics protected by law.