Member Lending Officer

The Member Lending Officer is responsible for performing duties and support
related to branch operational activities; underwriting lending applications;
assisting members-owners in their selection of various accounts and financial
services; cross-selling Luminus products and acquiring deposit investments;
opening, maintaining and closing of all account types; performing branch
clerical duties; promoting business for the organization by maintaining good
member-owner relations and referring members-owners to appropriate staff and
partners for new services.

The position of Member Lending Officer is also required to be fully knowledgeable
and skilled in the areas of teller and vault, partner products and services, and is
required to provide leadership, training and support to less experienced branch
staff members. This role acts as the liaison between member-owners and various
credit union departments (i.e. loans, deposits, accounting) and actively
participates in all branch campaigns and promotions and champions the
organization’s sales oriented culture by performing all aspects of the mandate.

This is a contract/full time role.

• Interview loan and mortgage applicants, analyze financial information,
assess credit and adjudicate loans and mortgages within discretionary
limits and/or make recommendations for approvals/declines to
appropriate next level.
• Act as an ambassador for Luminus both internally and externally to
promote the Luminus brand.
• Demonstrate a high level of professionalism at all times through attire, voice
and actions.
• Maintain a team environment that is open and transparent.
• Act as the primary resource for opening new accounts and effectively
manages the member-owner on-boarding process.
• Process appropriate documents associated with the sale of savings and
investment products.
• Interview loan and mortgage applicants, analyze financial information,
assess credit and adjudicate loans and mortgages within discretionary
limits and/or make recommendations for approvals/declines to
appropriate next level.
• Identify opportunities to promote, up sell, and cross sell the credit union
credit products and partner products.
• Participate in all branch promotions as set out in the business plan.
• Participate in outbound calling programs.
• Work with branch partners to ensure the culture and brand is upheld.
• Support and uphold a team based work environment that includes cross-
functional support that creates a proactive atmosphere of supporting one
another.
• Grow the membership and assets of the branch.
• As required, represent the credit union in the community by participating
in/organizing local business activities and community functions.
• Focuses and strictly manages all areas of compliance, branch operating
procedures, lending policies and security requirements.
• Other duties as assigned

• Must have 2-3 year residential mortgage underwriting experience
• Undergraduate university degree is an asset
• Detailed working knowledge of real estate, covenant assessments, principles of credit analysis and risk management
• Ability to make quick accurate decisions
• Demonstrated ability to work within a team environment
• Proven track record of reaching/surpassing sales targets
• Demonstrated ability to identify addition member-owner needs

1. Loan and Mortgage Adjudication

• Uses sound judgment to make good decisions based on information gathered and analyzed

• Negotiating, approving, recommending, and declining applications within Luminus Financial’s Residential Underwriting Guidelines, including:

• Review of credit information
• Review of real estate appraisals
• Follow-up on outstanding conditions/documents
• Preparing and issuing mortgage commitments

2. Decision Making

• Uses sound judgment to make good decisions based on information gathered and analyzed

• Considers all pertinent facts and alternatives before deciding on the most appropriate action

• Commits to decision

3. Teamwork and Member Service

• Interacts with people effectively. Able and willing to share and receive information.

• Leverage Collaborative Relationships

• Supports group decisions and focuses branch and team and personal goals

• Looks for opportunities to help others

• Leverages opportunities to grow the business

4. Reliability

• Takes personal responsibility for job performance

• Completes work in a timely and consistent manner

• Focuses and follows through on commitments

• Clearly articulates expectations