Job Details

Position Type: Full-Time
Work Environment: On-site
Location: Blue Grass Branch, Mt. Pleasant, MI 48858, USA

Job Details

Are you passionate about promoting financial wellness and relationship building with our members? Do you find joy in assisting members with lending options and helping them achieve their financial goals? Members First Credit Union is seeking an enthusiastic Consumer Loan Officer with at least one year of experience to join our Blue Grass branch in Mt. Pleasant. Apply today and join us in our mission to encourage a better tomorrow!

We strive to create an atmosphere of belonging with no judgment, just opportunity. We are interconnected to each other, and when we embrace our true authentic selves, we are stronger. We will empower you to be the best version of yourself while helping you to flourish in work and life. Come join us to help create thriving communities!

Position: Consumer Loan Officer I

Employment Status: Pay Grade 8 / Non-Exempt

Reports to: Branch Leader

Position Overview

The primary purpose of this position is to assist Members First Credit Union to deliver on its mission, vision, and brand promise. You will do this by living out our core values in every service contact to both internal and external members. At the heart of our Employee Value Proposition lies the belief in purpose, belonging, and joy—fostering a culture where every team member feels invested and encouraged to make a meaningful impact in the lives of others.

Essential Duties

• Loan authority limits: Secured up to $50,000 and Unsecured up to $10,000

• Provide high-level member service with inquiries regarding loans, new accounts, and other credit union products

• Review loan applications, verify credit and personal financial information, and ensure accuracy and completeness

• Calculate debt ratios and assess creditworthiness

• Identify member needs and recommend relevant products and services, including new checking/savings accounts

• Approve qualified loan applications or escalate as per policy

• Conduct member meetings to communicate denied applications and issue adverse action letters

• Utilize financial coaching certification in loan consultations and recommendations

• Prepare and verify accuracy of loan documents, ensuring all required documents and signatures are secured

• Obtain necessary income verification and insurance documentation for collateral

• Ensure payment options are discussed and properly documented

• Attain State of Michigan Credit Producers License within 6 months of hire

• Successfully obtain Certified Credit Union Financial Counselor (CCUFC) designation within first year

• Must be available to work 8 a.m. to 5 p.m. Monday–Friday, with Saturday coverage as needed, and attend after-hours meetings or training as required

Duties and Responsibilities

• Assist members with loan applications and new account setup, ensuring documentation is complete and timelines are communicated

• Provide quotes including Payment Protection options and educate members on available choices

• Use effective Referral Sales Champion techniques to enhance the member journey

• Participate in credit union campaigns, promotions, and achieve assigned performance goals

• Support new member and loan onboarding through established relationship-building process

• Engage in monthly developmental coaching

Other Responsibilities

• Attend educational events and stay updated on state/federal loan regulations

• Maintain FICEP financial counseling certification

• Complete other duties as assigned

Qualifications and Expectations

• Strive to exceed department and personal goals

• Meet deadlines and timeline expectations

• Proficiency in Microsoft 365 Suite, email systems, Word, and Excel

• Team-oriented with excellent organizational skills

• Strong communication skills including listening, clarity, and adaptability

• Maintain accuracy and professionalism in all work

• Stay current on lending regulations, credit union policies, and industry best practices

• Apply and maintain financial counseling skills learned through the FiCEP program

• Ability to work overtime, attend seminars, and travel as needed

• Display courtesy, tact, and diplomacy in internal and external communications

Physical Requirements

• Ability to lift or move up to 25 pounds

• Ability to remain stationary for 2–4 hours at a time

Work Environment

• Maintain a clean and organized work area

• Routinely sanitize equipment and work surfaces

• Secure sensitive materials when away from the desk/workstation

Education and Experience

• High school diploma or equivalent required

• 1–3 years of related experience

• Working knowledge of loan processing and credit analysis

• State of Michigan Credit Producers License required within 6 months of start

• CCUFC certification required within 12 months of start

Qualifications

Education

• Required: High School or better

Experience

• Required:

  • 1–3 years of similar or related experience

  • Working knowledge of loan processing and credit analysis

Equal Opportunity Employer / Protected Veterans / Individuals with Disabilities

The contractor will not discharge or otherwise discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees with access to compensation information as part of their job function may not disclose it unless legally required. 41 CFR 60-1.35(c)