Financial Services Officer (Loan Officer / Personal Banker)

Details: Come Grow With Us!   This position is responsible for working with new and existing members to identify their financial needs and assist them in selecting, from the Credit Union's offering of both depository and loan products, the financial products and services that best meet the identified needs. Develops member relationships by providing high-quality sales and service to each individual member and works with new and existing members to identify their financial needs, and assists them in the selection of the appropriate financial products and services. Supports the achievement of the retail branch office sales goals through the personal selling of all offered financial products including; savings and other depository products; consumer loans (share secured loans, VISA cards, new & used auto loans); consumer loan insurance products (debt protection, credit life & disability, mechanical breakdown insurance, and GAP insurance) and Real Estate Mortgage Loans. Assists members in the selection of, completion and submission of a real estate mortgage loans (purchase and refinances). Uses credit scoring, sound lending practices, regulatory requirements and sound judgment to make lending decisions for the benefit of the membership; explains reasons for denials and explores options for members when loans are denied such as Credit Counseling rationale methods to improve FICO score. Provides advice and assistance to members on budget counseling, consolidations, pay methods and other areas relating to member's financial needs. Participates in marketing campaigns and member awareness seminars. Works with outside sources to generate additional business. Ensures compliance with all applicable laws, regulations, and Credit Union policies and procedures as the relate to assigned products, including, but not limited to, Truth In Savings and Fair Credit Lending Practices and may assist with branch audits. Local candidates only please - No sponsorships.  Lockheed Federal Credit Union is an Equal Opportunity Employer.M/F/D/V

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