Job Details

Position Type: Full-Time
Work Environment: On-site
Location: Dartmouth – Midland, MI 48640, USA

Job Details

Are you passionate about lending and helping members to achieve their financial goals? Members First Credit Union is seeking a Consumer Loan Officer I to join our Dartmouth Branch in Midland, MI. Help us fulfill our mission to encourage a better tomorrow by building meaningful relationships and empowering our members in their financial journey. Apply today and start a career filled with purpose, belonging, and joy!

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 $50K and Unsecured $10K

• Provide high-level member service; address inquiries on loans, new accounts, and products

• Review loan applications for accuracy and completeness

• Calculate debt ratios; verify credit and financial documents

• Identify opportunities for cross-selling products and services

• Approve or refer loans based on policy

• Deny loans when necessary and issue adverse action letters

• Use Financial Coaching Certification when advising members

• Prepare and verify loan documentation; secure all necessary signatures and documents

• Obtain income and insurance documentation as applicable

• Discuss, document, and administer payment options

• Attain State of Michigan Credit Producers License within 6 months

• Work schedule: 8:00 AM to 5:00 PM M–F, some Saturdays and after-hours for training/meetings

• Obtain Certified Credit Union Financial Counselor (CCUFC) designation within the first year

Duties and Responsibilities

• Meet with members on loan applications and deposit products; guide on required documentation

• Provide total payment quotes and educate members on Protection Solutions options

• Effectively use Referral Sales Champion skills

• Participate in credit union initiatives and meet assigned performance goals

• Onboard new members and loans using JOY-focused process

• Participate in monthly developmental coaching

Other

• Attend required educational functions

• Maintain working knowledge of all State and Federal lending laws

• Maintain FiCEP certification

• Perform other duties as assigned

Qualifications and Expectations

• Strive to exceed goals (credit union, department, personal)

• Understand and meet deadlines

• Excellent typing and computer skills; proficiency in Microsoft Word and Excel

• Team-oriented and highly organized

• Strong verbal and written communication; adaptable to varying styles

• Produce accurate results consistently

• Maintain high-level knowledge of credit union philosophy, products, and operations

• Stay current on federal and state credit union regulations

• Implement new procedures effectively

• Willing to work overtime, attend off-site training and meetings as needed

• Exercise tact and diplomacy in personal contact inside and outside the organization

• Apply and maintain financial counseling concepts from FiCEP

Physical Requirements

• Ability to move or transport up to 25 pounds

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

Work Environment

• Maintain a clean and orderly workspace

• Routinely disinfect workstations and electronic equipment

• Secure confidential information by locking or removing materials when away

Education and Experience

• High school graduate or equivalent required

• One to three years of similar or related experience

• Working knowledge of loan processing and credit analysis

• Ability to attain Michigan Credit Producers License within 6 months

• Ability to attain CCUFC within first 6 months

• Skilled in Microsoft 365 Suite

Qualifications

Education
Required: High School or better

Experience
Required:

• One to three years of similar or related experience

• A working knowledge of loan processing and credit analysis

Equal Opportunity Employer / Protected Veterans / Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.