Overview: For more than 70 years, Northwest Federal Credit Union has provided valuable financial products and services for our members. Northwest offers employees a comprehensive benefits program including: medical and dental plans, paid time off, a generous 401k match, student loan assistance, parental leave, and the opportunity to grow professionally through a wide range of job-based, classroom and onlinetraining resources. Northwest Federal Credit Union has been recognized, for the second consecutive year, as a 2021 Top Workplace by The Washington Post and we believe that our success is built upon the excellence and achievement of our employees. Together, we serve and inspire to transform lives.This position professionally provides a consultative experience for both current and potential members calling into the Lending telephone queue and who apply for consumer loans online, building positive and lasting relationships. The Loan Officer conducts loan interviews over the phone, inputs information necessary to make a loan decision including obtaining disbursement instructions, and notifies members of the loan decision. In addition to these responsibilities, the Loan Officer owns the entire member experience from beginning to end and educates members about products and services that will benefit them and assist them in expanding their relationship with NWFCU. Responsibilities: Conduct loan interviews for consumer loans on the phone with applicants, educating and cross servicing our members about the loan products available at NWFCU. Also works loan applications submitted onlineReview information in the application and focus on the members ability to repay the loan, the willingness to repay the loan, the members existing assets and liabilitiesAnalyze the credit report and identified red flags, discrepancies and determine if collateral is sufficient. Request credit reports and compiles necessary information for loan approval or denialEnsure loan applications are complete and accurate.Determine collateral values using NADA for cars, trucks, RVs, motorcycles and boatsEffectively handle all internal requests for loan information, member callbacks, etc.Act as a liaison between the member and underwriter/processing teamsDecision consumer loans within delegated authority and lending guidelinesProvide appropriate disclosures.Appropriately explain denials and counter-offersPrepare consumer loan applications for underwritingEnsure additional documentation/information is obtained when required by Underwriter to complete the loan packageVerify quality and accuracy of loan documentsUtilize the credit reports obtained through member applications to profile for additional/needed services that NWFCU providesCross-sells all products and services offered by the credit union Ability to manage a heavy pipeline of loans. Strong written and verbal communication skills, teamwork and customer service skillsPerforms other related duties as assignedRemains cognizant of and adheres to NWFCU policies and procedures as well as regulations pertaining to the Bank Secrecy Act (BSA) Qualifications: High school diploma or equivalentMinimum 2 years Consumer loan processing experienceProven experience conducting a thorough and legal loan interview and identify and close sales opportunities Must be able to work extended hours during heavy workload periodsRequired availability are from 8am-7pm, depending on the shift assigned on a rotating basisMust be able to available to work rotating Saturdays from 8:00 am 1:00 pmProficiency with lending industry software and terminology, MeridianLink LoansPQ preferredBasic knowledge and understanding of credit union policies and procedures to comply with applicable rules and regulations, including the following:Lending regulations (including ECOA (Regulation B)Truth-in-Lending (Regulation Z)Fair Credit Reporting Act (FCRA)Military Lending ActPrivacy regulationsUSA Patriot Act (including Customer Identification Program)Soldiers Civil Relief Act EEO Notice: Northwest Federal Credit Union is an Equal Opportunity Employer and will consider all qualified applicants without regard to race, color, age, religion, sex, sexual orientation, gender identity, genetic information, national origin, disability, protected veteran status or any other classification protected by law.NWFCU complies with federal and state disability laws and makes reasonable accommodations for applicants and employees with disabilities. If reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, and/or to receive other benefits and privileges of employment, please contact the Human Resources Department at 703-709-8900 or HRDepartment@nwfcu.org.