Chevron Federal Credit Union is one of the top-run credit unions in the country - and one of the largest, with $4.8 billion in assets. Yet our corporate culture is not stuffy: the Team Spirit Committee runs fun activities and charitable events throughout the year, and work-life balance, mutual respect, diversity, and providing a voice for every employee are all important to us. As you might imagine, we provide competitive pay and great benefits, including:

• Bonus/incentives for all regular employees
• 401(k) with 8% company contribution
• Medical, dental, and vision insurance for employees and dependents paid at 80%
• PTO and paid sabbaticals
• Tuition reimbursement

GENERAL SUMMARY: Come be a part of an exciting, dynamic team! This role is responsible for underwriting Consumer Loan applications and working directly with members and internal partners. This role might be perfect for you if you excel in providing superior member service and have consumer loan underwriting experience.

SPECIALIZED ESSENTIAL JOB FUNCTIONS

• Responsible for inbound calls from applicants to originate and underwrite new loan applications for all consumer loan products; prepare for loan processing.
• Responsible for contacting applicant, communicating decision and requirements, and collecting necessary documentation; prepare for loan processing.
• Responsible for underwriting loan application originations including responsibilities listed above for loan processing.
• Responsible for managing Loan Pipeline daily and meeting member experience and production objectives for this role.
• Report loan pipeline progress to Management within established timeframes.
• Review and understand approvals and/or conditions; verify approval requirements are met.
• Provide clear and accurate loan process information to members, clearly setting realistic expectations and time frames.
• Input accurate loan information into Loan Operation System and Core system to ensure proper loan onboarding.
• Analyze and evaluate consumer loan applications, credit bureaus, account information, and all other pertinent data and documentation to make sound decisions.
• Analyze applicant financial statements, credit, property evaluation, and communicate with applicants or creditors to resolve loan application questions.
• Conducts loan interviews with members, explaining and cross selling the Credit Union's services, products, and loan payment options.
• Proactively responds to members' loan inquiries and requests using product knowledge, various systems, and credit bureau reports.
• Analyze applicant documents for accuracy and truthfulness; refer all possible fraudulent applications to appropriate internal partner(s).
• Council members in understanding their financial conditions prior to loan decision and to provide advice on the resolution of credit history issues.
• Communicate adverse action decision to members and provide financial education resources.
• Underwrite loans within standard underwriting guidelines, via Loan Origination System; Refers loan applications exceeding established lending authority to Lending Specialists III or Consumer Lending Management.
• Provides support to other Consumer Lending team members, Call Center and Branch partners requests for assistance with loan related questions and transactions.
• Maintain and demonstrate proficient knowledge of all internal policies, procedures, regulations, compliance, and loan products as primary resource for team.
• Recommends solutions for the more intricate loan requests within policy or procedural guidelines in the absence of the Consumer Lending Specialists III and Consumer Lending Management.
• Review and calculate applicable ratios to determine credit utilization, disposable income, and/or asset collateral, when applicable.
• Assists in training and coaching new employees in the Department
• Other duties as assigned

FURTHER ESSENTIAL JOB FUNCTIONS

• Maintain complete confidentiality of member, employee, and Credit Union information.
• Attendance and punctuality are also essential functions of this position.

QUALIFICATION REQUIREMENTS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

EDUCATION, JOB EXPERIENCE and CERTIFICATION:

• Three to five years related consumer lending underwriting experience required.
• High school diploma, GED or equivalent.
• Equivalent combination of education and experience may substitute for stated qualifications.

KNOWLEDGE and SKILLS:

• Proficient in writing effectively in English using correct spelling and grammar.
• Proficient in speaking clearly, tactfully, and effectively in English.
• Proficient math skills including the ability to compute rates, ratios, and percentages using a 10-key.
• Proficient in the use of basic applications in a Windows-based environment, including Outlook, Word, and Excel. Moderate keyboard skills at 40 wpm.
• Excellent customer service skills.
• Proficient time management and organizational skills.
• Proficient in reading and interpreting consumer loan documents such as, but not limited to, credit bureau reports, Truth in Lending disclosures, promissory notes, rate tables, policy, and procedure manuals.
• Proficient in interpreting a variety of instructions furnished in written form, including but not limited to Policy and Procedure Manuals, Regulation Z, Section 91 - The Fair Credit Reporting Act, and UCC.

PERSONAL ATTRIBUTES and APTITUDES:

• Impeccable high integrity.
• Willingness to take responsibility for his/her actions and respond promptly.
• Ability to learn quickly and adapt to change; ability to quickly learn specialized applications.
• Initiative and self-direction.
• Common Sense.
• Ability to effectively communicate with people at all levels.
• Ability to work effectively with others as required by the position.
• Sound problem-solving and decision-making ability, including the ability to prioritize.
• Ability to efficiently produce a significant volume of high-quality work.
• Performance that displays cooperation within and between departments, and with all individuals in the Credit Union.
• Conduct based on what is ethical, honest, and right for the benefit of members, the Credit Union, and other employees.
• Professional conduct, always treating members and coworkers with courtesy and respect.
• Bringing exceptional service to the Credit Union's members and to other employees. Creatively solving problems and turning obstacles into opportunities.

PHYSICAL DEMANDS: Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Work routinely involves sitting or standing for up to eight hours per day.
• Work involves extensive use of computers, up to eight hours per day. Appropriate visual and dexterity abilities are required.
• Must be able to speak on the telephone for several hours per day.

WORK SCHEDULE:

• Full-Time, 40 hours/week
• Occasional overtime
• Flexibility to occasionally work early or late hours, and periodic weekend hours, typically with advance notice.

SALARY AND BENEFITS:

Salary is based on qualifications and geographical location (Zone). Benefit information can be located on our Careers page here:https://www.chevronfcu.org/about-us/careers

Zone 1: $68,392.00 - $94,039.00

Zone 2: $62,236.72 - $85,575.49

Zone 3: $57,449.28 - $78,992.76

Zone 4: $54,713.60 - $75,231.20

EQUAL EMPLOYMENT OPPORTUNITY STATEMENT:

Chevron Federal Credit Union (CFCU) is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, veteran status, disability, sexual orientation, gender identity, or any other protected status. CFCU participates in E-Verify.

If you are an individual with a disability and require a reasonable accommodation to complete any part of the application process or are limited in the ability or unable to access or use this online application process and need an alternative method for applying, you may contact us at 800-232-8101 for assistance.

CFCU Is CPRA Compliant for California Employees and Applicants, to review the Notice at Collection, click here. To submit a request, please refer to the Careers page for the CPRA Request Form.

#LI-AK1 #LI-REMOTE