Job Location : Dallas,TX, USA
**Responsibilities**
**SUMMARY**
Examines, evaluates, and decisions applications from both the direct and indirect channels. Direct loan applications consist of autos, credit cards, personal lines of credit, recreational vehicles, signature term product, home equity and home equity lines of credit. Indirect loan applications consist of auto and recreation products. This is a decision making position that requires a strong service orientation, strong communication skills, and a self-confident personality.
**ESSENTIAL DUTIES AND RESPONSIBILITIES** include the following. Other duties may be assigned.
+ Reviews, evaluates and decisions loan applications from both the direct and indirect channels. Evaluation consist of properly using tools to mitigate risk with the decision.
+ Analyzes credit data and financial statements of the applicant to determine credit-worthiness and the degree of risk involved in extending credit or lending money; considers property valuation in decisioning as appropriate.
+ Ensures application data is complete into Credit Union system as required.
+ Loan decisions are made within specified limits.
+ Accountable for the performance of individual loan portfolio.
+ Interacts with Dealers and Dealer Representatives regarding decisions and unusual situations.
+ Knowledgeable of lending policies and procedures.
+ Knowledgeable of the features and benefits of all other Credit Union loan products and services to enable effective cross-selling.
+ Knowledgeable of all lending peripheral products including, but not limited to, Credit Life/Disability, GAP, Vehicle Service Contracts.
+ Uses loan origination system to generate financial ratios to evaluate member financial status.
+ Provides consultant services on credit issues and quality to other departments.
+ Maintains the security and confidentiality of pertinent information and records.
+ Recommends changes to upper management regarding credit-related policies and procedures.
+ Maintains current knowledgeable of all lending software and programs.
+ Responsible for maintaining a working knowledge of computer equipment and software required including Microsoft Word, Excel, etc.
**Must be able to work flexible shifts whether it is 8:00 am to 5:00 pm, 9:00 am to 6:00 pm or 10:00 am to 7:00 pm. Monday through Friday and at least two Saturdays per month. Must be able to work single holidays on rotating basis.**
**The pay range for this position is $** **30.63** **- $** **38.29** **/hr. and based on relevant experience.**
**Qualifications**
**Bachelor's degree from four-year College or University; and three years related experience; or equivalent combination of education and experience.**
Advancial Federal Credit Union is an Affirmative Action and Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, age, national origin, or protected veteran status and will not be discriminated against on the basis of disability. Equal Employment Opportunity Posters (
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**Overview**
Advancial is one of the oldest and largest credit unions in the country. We are an established and proactive full-service financial institution providing personal, convenient and advanced financial services to individuals and select group partners. Our mission is to create lasting value for our members through superior service, quality products, and innovative solutions.
At Advancial, we always strive to provide the best service and products to our members because we love what we do. We work together to build a culture that promotes a positive employee experience. Weve been named a Best Company to Work for in Texas for nine consecutive years and a Best and Brightest Company to Work For nationally and locally because were serious about building fulfilling careers and not just day jobs.
We invite you to learn more about this position and what Advancial has to offer by completing our online application.
**Job Locations** _US-TX-Dallas_
**Category** _Lending_
**Type** _Full-Time Regular_
**Location : Location** _US-TX-Dallas_
**ID** _2024-1445_