808-930-7700  •  TTY 808-329-8192  •  800-514-2328
Log On|Contact Us|Locations|Holiday Schedule
 
print friendly

About Us We have a long, rich history here in the islands. Find out why you should join our HCFCU ohana.

Job Openings Loan Officer

Posted Date (December 29, 2015)
POSITION TITLE: Loan Officer
LOCATION: Kaloko Loan Center
REPORT TO: Loan Officer II, Administrative Loan Officer, Branch Manager, Branch Manager/Assistant Vice President


PRIMARY FUNCTIONS:
Conducts loan interviews with members and/or potential members in person or by telephone.  Provides financial coun­seling to members and approves or denies loans.  Is able to consistently coordinate most of the loan-related activities of the credit union in a timely and organized manner.
 
ESSENTIALS JOB FUNCTIONS AND RESPONSIBILITIES:
 
Loan Functions:
  • Answers telephone loan inquiries
  • Processes mail and telephone loans
  • Obtains credit bureau reports for member(s) who apply for loans
  • Verifies employment and deposit information of applicants
  • Maintains files of incomplete applications while waiting for receipt of additional information
  • Does follow-up and periodic review of incomplete applications
  • Receives requests for release of collateral, completes appropriate forms if request for release is valid, and refers forms to Loan Officer II or supervisor for proper signatures
  • Eval­uates and recommends real estate and home equity loans in a timely, well documented, and thoroughly analyzed manner
  • Completes and processes appropriate documents to provide the Credit Union with security interest in property which is taken as collateral for loan
  • Insures that approved short term loans are complete and accurate when closed
  • Inspects collateral to ascertain value
  • Performs construction draw inspections
  • Prepares closing documents for mortgages and perform closings
  • Creates and edits documents on lending software systems as needed.
 
Miscellaneous Functions:
  • Contacts delinquent borrowers when directed by supervisor
  • May be required to write special loan reports when requested
  • Assists with on-site assignment for auto dealer / credit union car sales
  • Actively seeks opportunities to cross sell appropriae and applicable products ans services offered by the Credit Union
  • Completes the required Bank Secrecy Act (BSA) training and implements and complies with the BSA policy and procedures
  • As a member of the staff, answers incoming phone calls, assists members and coworkers as needs arise, and performs work on projects as needed
  • Trains employees in area of expertise
  • Other duties may be assigned

QUALIFICATIONS:
To perform this job successfully, an individual must be able to perform each essential job function satisfactorily.  The requirements listed below are representative of the mental, physical, knowledge, education and/or experience re­quired.  Reasonable accommodations may be made to enable individuals with disabilities to perform essential job functions.
 
Mental Requirements:
  • Requires attention to details, application of sound decision-making principles, concentration, logical thinking, resourcefulness, good judgment and responsiveness in a time­ly manner
  • Is familiar with the operations of a credit union including documents, policies, procedures, systems, credit union philosophy, legislative requirements, history, organization and bylaws
  • Is able to work under stressful and pressure filled situations
  • Is able to apply basic mathematical skills
  • Is able to keep abreast of all regulatory and operational matters which affect Credit Union operations
  • Is able to handle multiple assignments by prioritizing projects and meeting deadlines
  • Is able to establish effective working relationships with members, staff and other organizations
  • Is able to effectively and efficiently supervise employees, handle complaints, and grievances following established procedures; while maintaining necessary confidentiality
  • Is able to speak in front of groups of people
 
Physical Requirements:
  • Is able to show up to work as scheduled
  • Is able to occasionally lift, carry, push and pull items weighing up to 20 pounds
  • Is able to operate 10-key by touch and type 30-40 wpm accurately
  • Is able to occasionally reach or climb a ladder to reach upper shelving
  • Is able to sit for extended periods of time
  • Is able to communicate clearly in person or over the phone and/or in writing
  • Is able to move around the office, primarily on carpeted surfaces
  • Is available for occasional business travel, including land and air travel
  • Is able to establish effective working relationships with other staff
 
Other Requirements:
  • May be required to use personal car to perform Credit Union business
  • May be required to work at different branches
  • May be required to work beyond normal business hours, including weekends
  • May be required to attend seminars or classes to enhance job skills and knowledge
  • Must be bondable and have a clear credit rating


EDUCATION AND/OR EXPERIENCE:
 

  • High school graduate / GED equivalent with three (3) years of lending experience or related field with a financial institution; or
  • Business school graduate with two (2) years lending experience or related field with a financial institution;  or
  • College graduate with one (1) year of lending experience or related field with a financial institution.
  • Knowledge of computer system (IBM or IBM compatible), word processing and spreadsheet programs preferred.

Working Conditions:
 

  • Work is primarily inside an air-conditioned, well-lighted office setting, and high humidity
  • Will work alone and with others
  • Work environment includes moderate noise level
  • Will have frequent public contact
  • Potential exposure to the threat of violence at any time

 
 

This description of duties and qualifications should not be construed to imply that these requirements are the exclusive duties of the position. Incumbent will follow any other job related instructions and perform any other related duties as may be required by the supervisor.