Loan Officer Representative - Vaco, LLC
Chillicothe, OH 45601
About the Job
Job Title: Loan Office Representative
Location: Chillicothe, OH
Position: Senior Financial Services Representative II / Loan Officer
FLSA Status: Non-Exempt
Grade Level:
Position Overview
The FSR position serves under the immediate supervision of the Branch Manager. Work assignments are accomplished in accordance with established procedures and problems encountered are directed to immediate supervisor. Accuracy of duties is checked daily by supervisor through control procedures for balancing cash with receipt, disbursement documents and various audit controls.
Essential duties and responsibilities:
- Must present professionalism and a high level of respect in all job duties. Must have a courteous and friendly attitude with members, supervisors and co-workers is required.
- Position will serve to assist and support FSR staff and may serve as back-up to the existing Branch Manager for financial and member services matters. As a senior-level FSR support position, will be expected to serve in a lead-type capacity and should have the appropriate level of experience.
- Demonstrated success and sound judgement with HCU principles, support and analytical skills are required.
- Completes all data forms and enters indicative information into computer system for opening member accounts and taking loan requests.
- Required to receive members in person and over the phone for loan applications, balances, transfers, researching accounts and consultation as needed. Responsible for changing, adding, and deleting names on accounts and for completing all applicable forms.
- Presents loan application for approval either thru the lending matrix system or by making credit decisions within existing loan policy manual. Issues loan upon approval of the application and completion of necessary loan documents and supporting information.
- This senior-level FSR position requires an additional understanding of the teller and front office cash services environment. Must be able to serve in the Head Teller capacity and maintain accurate and appropriate vault cash/traveler check inventory records. Must be familiar with Teller Operations Policy Statement and Cash and Currency Operations Policy Statement.
- Must be able to check processing decisions and approve, hold or deny checks for teller operations. Must be familiar with and be able to apply Check Cashing Policy Statement.
- May be required to have a cash drawer and perform teller duties when necessary. May be required to perform maintenance on VISA and ATM accounts. Must have an understanding of the plastic card operating environment for proper member service.
- Assist in issuing TDI forms, taking stop payment orders, and wire transfers. Controls entry to safety deposit boxes. Responsible for sign-up on direct deposit and ACH entries. Performs maintenance on closed accounts on a daily basis.
- Must be able to appropriately and professionally communicate, process and resolve member problems and complaints.
- In conjunction with branch manager this position may assist in evaluating work of employees; recommend promotions, reassignments, and other personnel functions. Will provide training and assistance to employees in a supervisory role ensure efficient and effective delivery of member services.
- Ensures that the Branch image is favorable, reflecting a sound and secure financial institution that employs prudent housekeeping procedures, safety measures, and provides a pleasant atmosphere for members, including privacy, confidentiality, and ease of use.
- This position may be required to travel to other branch offices, frequently and as needed.
- Other duties as assigned by direct manager or senior level staff, as determined by fluctuating business needs.
Minimum Requirements:
- Associate's degree or equivalent from two?year college or technical school
- 3 – 5+ years related experience, or equivalent combination of education & experience required
Competencies:
Language: Ability to read and interpret documents such as safety rules and procedure manuals. Ability to write routine reports and correspondence.
Mathematical: Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.
Reasoning ability: Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations.
Work Environment:
While performing the duties of this job, the employee is regularly required to sit and talk or hear. Required to sit, stand, walk, stoop, kneel, crouch, or crawl. Ability to use hands and fingers, handle, or feel objects, tools, or controls, reach with hands and arms.
May be required to lift and/or move up to 50 pounds occasionally. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.
The noise level in the work environment is usually moderate.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Vaco values a diverse workplace and strongly encourages women, people of color, LGBTQ+ individuals, people with disabilities, members of ethnic minorities, foreign-born residents, and veterans to apply.
EEO Notice
Vaco is an Equal Opportunity Employer and does not discriminate against any employee or applicant for employment because of race (including but not limited to traits historically associated with race such as hair texture and hair style), color, sex (includes pregnancy or related conditions), religion or creed, national origin, citizenship, age, disability, status as a veteran, union membership, ethnicity, gender, gender identity, gender expression, sexual orientation, marital status, political affiliation, or any other protected characteristics as required by federal, state or local law.
Vaco LLC and its parents, affiliates, and subsidiaries are committed to the full inclusion of all qualified individuals. As part of this commitment, Vaco LLC and its parents, affiliates, and subsidiaries will ensure that persons with disabilities are provided reasonable accommodations. If reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, and/or to receive other benefits and privileges of employment, please contact HR@vaco.com .
Vaco also wants all applicants to know their rights that workplace discrimination is illegal.
By submitting to this position, you agree that you will be giving Vaco the exclusive right to present your as a candidate for the foregoing employment opportunity. You further agree that you have represented information about yourself accurately and have not affirmatively misrepresented your qualifications. You also agree to maintain as confidential, to the fullest extent permitted by law, any information you learn from Vaco about the position and you will limit disclosure of information about the position only to the extent necessary to perform any obligations in furtherance of your application. In exchange, Vaco agrees to exercise reasonable efforts to represent you through all solicitation, job screening and resume dispersal.
Privacy Notice
Vaco LLC and its parents, affiliates, and subsidiaries (“we,” “our,” or “Vaco”) respects your privacy and are committed to providing transparent notice of our policies.
- California residents may access Vaco’s HR Notice at Collection for California Applicants and Employees here.
- Virginia residents may access our state specific policies here.
- Residents of all other states may access our policies here.
- Canadian residents may access our policies in English here and in French here.
- Residents of countries governed by GDPR may access our policies here.
Pay Transparency Notice
Determining compensation for this role (and others) at Vaco depends upon a wide array of factors including but not limited to:
- the individual’s skill sets, experience and training;
- licensure and certification requirements;
- office location and other geographic considerations;
- other business and organizational needs.
With that said, as required by local law, Vaco believes that the following salary range referenced above reasonably estimates the base compensation for an individual hired into this position in geographies that require salary range disclosure. The individual may also be eligible for discretionary bonuses.
