1. Counsel with members to determine members needs.
2. Have a through knowledge of credit union products and services.
3. Handle loans of high complexity, value or risk.
4. Assist member with the loan application process to ensure completeness of information.
5. Calculate debt-to-income ratios. Determine which debt is secured or unsecured.
6. Determine collateral needs and payment plans for members applying for loans.
7. Maintain thorough knowledge of credit union loan policy and be capable of discussing various loan alternatives with the member.
8. Maintain a thorough knowledge of interest rates and be able to discuss this with members.
9. Analyze credit bureaus.
10. Complete loan documents and disburse loans when approved.
11. Maintain member loan files (loan folders and supporting loan documents).
12. Cross-sell other credit union products and services when appropriate.
13. Verify the accuracy of loan amounts and repayment terms on approved loan applications.
14. When a loan is denied, explain reasons for denial in a professional, courteous manner. Work with member to provide recommendations or alternative options for other possible ways to secure a loan in the future.
15. Perform other duties as required by supervisors.