Job Description

About Us

At Montana Credit Union, we believe in empowering people who are dedicated to serving others and strengthening our communities. We foster a culture that values innovation, dedication, and authenticity, while supporting professional growth and encouraging new ideas. More than a place to work, Montana Credit Union is a team where your contributions are valued, your voice is heard, and your career is supported.

Position Summary

The Loan Officer is a trusted financial advocate at Montana Credit Union, responsible for guiding members through lending solutions that empower their financial futures. This role involves interviewing applicants, analyzing credit worthiness, approving or denying loans within authority, and ensuring members fully understand their financial options. The Loan Officer also assists with accounting services and supports other transactional needs to deliver seamless and personalized member experience.

Key Responsibilities

• Conduct loan interviews, analyze credit worthiness using the 5 Cs, and recommend appropriate lending solutions.
• Underwrite and decision consumer loans, including calculating DTI/GMDI and preparing clear well documented credit write ups.
• Close and disburse loans accurately while ensuring members understand terms and optional protection products.
• Open and service member accounts, cards, and related products with accuracy and professionalism.
• Maintain complete, compliant loan files and documentation in alignment with credit union policies and regulations.
• Identify and escalate potential fraud or risk concerns while adhering to regulatory and internal standards.
• Deliver exceptional member service by educating members, building relationships, and matching products to individual needs.
• Support branch operations by resolving account issues, assisting teammates, and contributing to continuous process improvements.

Qualifications

• High school diploma or equivalent required.
• 12 years of experience as a loan officer or in a financial services/lending role preferred.

Salary & Benefits

• Pay Range: $20.50 $22.00 hourly DOE
• Comprehensive benefits package including medical, dental, and vision insurance, retirement plan, and paid time off.

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