Consumer Loan Collection/Recovery Rep. jobs in South Dakota

Job Overview

Are you passionate about finance and helping others achieve their dreams? Want to become part of a community that prioritizes integrity, professionalism, and a commitment to excellence? The consumer loan officer is vital to our operations, you will be assisting our members, federal and postal employees, and their families with their financial lending needs. The Loan Officer underwrites consumer loan applications to determine creditworthiness of the borrower based on the credit union’s predetermined lending guidelines.

Essential Duties and Responsibilities

~ Must be proficient with computers, with basic to Intermediate computer skills in Microsoft Office, including Word, Excel, and Outlook required.

~ Capable of learning credit union’s core operating system to access member information to complete transactions.

~ Loan processing in adherence to credit union policy and procedures.

~ Perform in-depth loan interviews and analyzes borrower financial conditions to include credit history, credit score, collateral, debt ratios, and other financial information.

~ Verify the accuracy of application information and compile documents needed for the loan to proceed to disbursement.

~ Cross-sell credit life, disability insurance, Gap & Warranty products.

~ Uphold the highest standards of professionalism, ethics, and integrity in all interactions with members and co-workers.

~ Assists in servicing loans by processing such items as: payoff, refinances, loan workout arrangements, address changes, payment extensions, collateral releases, and payment due date changes.

~ Responsible for filing vehicle titles and prompt follow-up on vehicle insurance coverage.

~ Develop relationships necessary to meet and exceed member needs (includes relationships with members, coworkers, and external partners), holding self and others accountable for providing a positive member experience. Use appropriate interpersonal skills to resolve difficult situations.

~ Helps with member accounts, back-office operations, and other duties as requested.

~ Our team members need to be bondable, pass a background check and possess a valid driver's license.

Desired Job Competencies

• Demonstrate analytical, accuracy and problem-solving skills. Strong attention to detail and able to work independently, organize and prioritize work.
• Must be fluent in English with strong written and verbal communication skills.
• Desire to provide remarkable member service.
• Ability to add, subtract, multiply and divide. Capable of using financial calculators.
• Gathering, processing, and evaluating numeric data to guide credit union decision.
• Understands and complies with all annual mandated training that pertains to the position, including but not limited to Bank Secrecy Act, Anti-Money Laundering, OFAC, Cybersecurity & Fair Lending.
• Ensuring that information collected, provided, and/or evaluated is consistent with all related information available, holding to regulatory standards.
• Display sound judgement in handling member requests and exceptions, seeking and documenting approval as needed.
• Demonstrates professionalism in dress, tone, flexibility, and communication.
• Consistently acts as part of a cohesive team, demonstrating excellent interpersonal skills and ability to interact positively with other employees. Maintains open and respectful communication with others.

Wage

Wage is dependent on education and or experience.

If you are looking for a fulfilling career where you can make a difference in our members' lives and collaborate with a supportive team, we encourage you to apply. M-O Federal Credit Union is an Equal Opportunity Employer.

Job Type: Full-time

Benefits:

• 401(k)
• 401(k) matching
• Flexible spending account
• Health insurance
• Life insurance
• Paid time off
• Vision insurance

Payment frequency:

• Paid semi-monthly

Schedule:

• Monday to Friday
• Weekends as needed

Work setting:

• In-person
• Office

Education:

• High school or equivalent (Required)

Experience:

• Customer service: 2 years (Preferred)

Work Location: In person