Job Title: Credit Officer
Job Type: Full-time
Location: Virginia Beach, Virginia
All of us at Chartway stand united in our strong culture of listening and learning. We treat people with respect, integrity, and kindness, and are committed to continuously developing a diverse and inclusive workplace where team members are empowered to be their authentic selves. All backgrounds, viewpoints, and life experiences are welcome, knowing this commitment strengthens our credit union family and communities.
The Credit Officer is responsible to the Consumer Loan Underwriting Manager for the consumer lending decision-making process.
Responsible andAccountable for:
Ensures compliance with all Federal and State regulations and Credit Union policies regarding credit granting.
Responsible for timely review and decision of all consumer loans, adhering to credit granting parameters and lending authority limits.
Review proof of income for all home equity requests to ensure compliance with Ability to Repay regulations.
Maintain level of delinquency below specified threshold to demonstrate ability to make lending decisions that are in the best interest of the credit union.
Review loan applications for additional cross sell opportunities to promote loan growth.
Develop rapport and positive relationships with credit union team members.
Provide on-site training for new hires.
Provide continual training to team members in regards to taking applications, identifying additional opportunities, and changes in regulation and policy.
Knowledge, Skills andAbilities:
Ability to effectively communicate all lending decisions and counter offers.
Ability to review a variety of reports for trends and make recommendations to management from the data.
Ability to work outside of scheduled hours as needed to ensure loans are decisioned in a timely manner; this includes network issues and inclement weather closures.
Available for coverage during scheduled hours including some evenings, weekends, and holidays
Education and Experience:
Education: Associates degree or equivalent experience.
Experience: Five years of experience in credit evaluation/underwriting.
Chartway offers a competitive salary and a comprehensive benefits package. Candidates must have a good credit history for consideration. Salary requirements must be included and resumes must be accompanied by a Chartway Employment Application for consideration.
Chartway Federal Credit Union is an EOE/M/F/ Disability/Vet Employer.
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