Direct Loan Officer
$50,000–$60,000 year
On-site · Warren, Michigan, United States
Job Summary
Licensed Loan Officer at a Warren, MI credit union. Manages the full loan lifecycle from application to closing, evaluating borrower creditworthiness via loan applications, credit reports, and financial documentation. Conducts applicant interviews, analyzes debt-to-income (DTI) ratios and risk factors, structures loan terms and repayment plans, and recommends consumer loan products (direct and indirect lending). Prepares and finalizes loan documentation and contracts, maintains accurate records in loan origination systems, communicates loan status to members, and cross-sells financial products to meet production goals. Ensures regulatory compliance with lending regulations and internal policies while delivering exceptional customer service throughout underwriting and closing. Schedule is Monday–Friday from 8:00 AM to 5:00 PM. This is a full-time, direct-hire role with a competitive base salary and comprehensive benefits.
Required Qualifications
- Active Lending License (Required)
- 2–3+ years of professional loan origination or consumer lending experience
- Strong underwriting guidelines and credit analysis
- Experience with direct and indirect lending products
- Proficiency in banking software and loan processing systems
- Strong sales, communication, and negotiation skills
- Detail-oriented with the ability to manage multiple loan files efficiently
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