Responsible for receiving, reviewing, and processing applications for consumer and home equity loans.  Meets with applicants to explain credit policies and to obtain additional loan information and documentation. Presents loan requests above lending limit for approval as per loan. Ensures that members and prospective members are promptly and professionally served.  Provides general Credit Union information and cross-sells services.


1. Assumes responsibility for the effective and professional performance of member service functions.
a. Actively and enthusiastically cross sells credit union products and services.
b. Receives share deposits and loan payments and disburses cash or check share withdrawals as needed.
c. Processes cash advances, cashier’s checks, bank-to-bank wire transfers and gift cards.  Establishes automatic and ACH transfers as well as distributions within member accounts.  Promotes electronic services and trains members in their use.
d. Presents and explains Credit Union services and products to members and assists in meeting their financial needs. 
e. Opens and closes accounts.  Rents safety deposit boxes.  Orders checks as well as Debit and Credit cards for members.  Helps members to establish direct payroll deposits.
f. Answers questions and solves problems for members by listening to concerns, collecting data, securing answers and reporting results to the inquiring party.  Assists with resolution of member bookkeeping and checking account problems.  Takes stop payment orders.
g. Assists with certificate accounts and their renewals.
h. Receives and directs members and telephone calls.  Responds to inquiries and questions or directs them as necessary.  Records and relays messages.
i. Performs file maintenance and account changes as needed.
j. Maintains IRA accounts and answers questions regarding IRAs.
2. Assumes responsibility for effectively receiving, reviewing, and processing loan applications. 
a. Interviews, takes applications, gathers information, and processes preliminary documentation on loan requests.
b. Evaluates and verifies loan applications and credit criteria.  Computes debt ratios.  Verifies employment and income.  Determines value of collateral.  Approves loans within limits of authority, if applicable, and notifies applicants of loan decisions.  Requests additional information if required.
c. Coordinates and processes closings.  Ensures that each loan is promptly and properly prepared, documented, processed, approved, and disbursed.
d. Calculates terms, finance charges, and insurance on loans for proper disclosure on promissory notes.
e. Assists in servicing loans by processing such items as payoff, refinances, address changes, collateral releases, and payment due date changes.
f. Assumes responsibility for filing vehicle titles and prompt follow-up on titles still pending.  Verifies car insurance coverage.  Inspects collateral as needed.
g. Sells credit life, disability, GAP and MMP insurance products.
h. Ensures that lending operations are conducted in accordance with established Credit Union policies and are legally compliant.  Ensures that loan requests are properly documented.
i. Working on the Certification Program.
3. Assumes responsibility for establishing and maintaining effective and professional business relationships with members.
a. Resolves members’ requests and questions promptly and courteously.  Provides blue book values and answers questions regarding credit union loan products.
b. Provides members with member service assistance as needed.
c. Ensures that the Credit Union’s quality and professional reputation is projected and maintained.
d. Counsels members regarding money management and financial matters.
4. Assumes responsibility for establishing and maintaining effective coordination and communication with area personnel and with management.
a. Assists area personnel as needed.  Assists other Loan Officers.
b. Assists in training and cross-training loan support personnel.
c. Completes reports and records promptly and accurately.  Audits loans and all supporting documents as required.
d. Attends meetings as required.
e. Keeps Management informed of area activities and of any significant problems.
5. Assumes responsibility for related duties as required or assigned.
a. Actively and professionally cross-sells Credit Union services. 
b. Stays informed regarding local and national economic conditions and legal and regulatory changes.
c. Ensures proper maintenance, cleanliness, and security of work area, desks, equipment, etc.
d. Works are regular and predictable schedule.

1. Lending functions are effectively performed in accordance with established Credit Union policies and with legal and regulatory requirements.
2. Good business relations exist with members.  Programs and services are properly and thoroughly explained and members’ needs accurately assessed.  Members’ problems are courteously and promptly resolved.
3. Required reports are accurate and timely.
4. Good working relationships exist with area personnel and with management.  Area personnel are assisted as needed.
5. Credit applications and related financial data are closely and effectively analyzed and evaluated.
6. Employee must work a regular and predictable schedule


EDUCATION/CERTIFICATION: High school graduate with required loan training and certification.

REQUIRED KNOWLEDGE: Knowledge of Credit Union loan services, policies, and procedures. Understanding of related legal and regulatory standards, and required loan documentation. Knowledge of consumer and home equity lending practices.

EXPERIENCE REQUIRED: Previous related experience helpful.

SKILLS/ABILITIES: Excellent interviewing, communication, and public relations skills. Professional appearance and attitude.
Strong analytical and financial skills. Ability to operate related computer applications, and other business equipment including calculators, computer, printer, telephone, and notary stamp, if applicable. Good typing skills.


TALKING: Especially where one must frequently convey detailed or important instructions or ideas accurately, loudly, or quickly.

AVERAGE HEARING: Able to hear average or normal conversations and receive ordinary information.

REPETITIVE MOTION: Movements frequently and regularly required using the wrists, hands, and/or fingers.

AVERAGE VISUAL ABILITIES: Average, ordinary visual acuity necessary to prepare or inspect documents or products, or operate machinery.

PHYSICAL STRENGTH: Sedentary work; sitting most of the time.  Exerts up to 10 lbs. of force occasionally.  (Almost all office jobs.)


NONE: No hazardous or significantly unpleasant conditions (such as in a typical office).


REASONING ABILITY: Ability to deal with a variety of variables under only limited standardization. Able to interpret various instructions.

MATHEMATICS ABILITY: Able to perform very simple algebra.

LANGUAGE ABILITY: Ability to read a variety of books, magazines, instruction manuals, atlases, and encyclopedias. Ability to prepare memos, reports, and essays using proper punctuation, spelling and grammar. Ability to communicate distinctly with appropriate pauses and emphasis; correct punctuation (or sign equivalent), and variation in word order; using present, perfect, and future tenses.


Job descriptions assist organizations in ensuring that the hiring process is fairly administered and that qualified employees are selected.  They are also essential to an effective appraisal system and related promotion, transfer, layoff, and termination decisions.  Well constructed job descriptions are an integral part of any effective compensation system. 

All descriptions have been reviewed to ensure that only essential functions and basic duties have been included.  Peripheral tasks, only incidentally related to each position, have been excluded.  Requirements, skills, and abilities included have been determined to be the minimal standards required to successfully perform the positions.  In no instance, however, should the duties, responsibilities, and requirements delineated be interpreted as all-inclusive.  Additional functions and requirements may be assigned by supervisors as deemed appropriate. 

In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals.  However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization.

Job descriptions are not intended as and do not create employment contracts.  The organization maintains its status as an at-will employer.  Employees can be terminated for any reason not prohibited by law.

About Utah Community Credit Union

Shift is Monday - Friday, 9:00am - 5:30pm with rotating Saturday's. Please visit our website at www.uccu.com/careers to apply.