Consumer Loan Officer; English​/Spanish Bilingual

Job Category
:
Lending

Requisition Number
: CONSU
003690

• Posted :
  January 21, 2026
• Full-Time

Showing 1 location

Job Summary

The Consumer Loan Officer (LO) delivers an exceptional Member experience by maintaining the accuracy, integrity, and quality of lending services to optimize Members’ financial health. The Consumer LO leverages critical thinking, problem solving, and high Member contact in their daily work, using their expertise and product knowledge to provide the correct consumer lending products that best fit the Member’s needs. This role fully analyzes each loan application and all required lending documents to fulfill loan closings.

The Consumer LO maintains updated industry and regulatory knowledge and uses effective assessments of financial needs to create and deliver compliant, mutually beneficial, value-added consumer lending solutions. With superior sales skills and product knowledge, the Consumer LO increases Member retention, product penetration, and profitability.

The Consumer Loan Officer reports to the Manager – Consumer Lending Sales.

About UFCU

As Austin’s largest locally owned financial institution, University Federal Credit Union is owned by, dedicated to, and always working for our Members. Our mission at UFCU is simple: to provide for the well-being of our Members. We are proud to focus on people — not profits. We deliver fair and honest products and outstanding service, and we work collaboratively within our organization as well as our community to help Members achieve their personal and financial goals.

Consistently receiving awards as the Top Credit Union, Top Mortgage Company, Best Places for Working Parents, Austin’s Healthiest Employer, and Gallup’s Top Engaged Workplace, UFCU is proud of its people-first culture. We value our employees as much as we value our Members. We offer an environment where people care about each other – like family. If you want to love what you do, make an impact in your community, and have the power to help people change their lives, we’re glad you’re here.

Essential Functions

Member Experience

• Demonstrate unsurpassed commitment to exceptional Member service and teamwork with each encounter, often going beyond the Member’s initial need or concern.
• Provide timely and accurate information, responses, and decisions to internal and external Members.
• Display strong written, spoken, listening, and interpersonal communication skills by clearly and effectively communicating with Members and staff, including timely follow-up on open items.

Sales Performance and Product Knowledge

• Actively seek opportunities to maximize loan volume by demonstrating a strong results orientation and superior application quality.
• Consistently follow up on applications to maximize the number approved/funded.
• Use strong influential and consultative sales skills, analytic ability, and knowledge of UFCU’s ancillary products and services to enhance the quality and depth of Member relationships, thereby increasing Member retention, product penetration, and profitability.

Application Analysis and Loan Documentation

• Income Review
  • Accurately review, calculate, and confirm income, tax returns, and financial statements
  • Work with Underwriters to determine appropriate next steps and additional information needed for loan approval
  • Provide guidance on sources of income that may be included in loan application
• Application and Loan Documentation
  • Analyze all application and loan documentation, verify completeness and accuracy of files and communicate responses to Members, staff, dealers, and others in a courteous and timely manner
  • Provide Member with correct loan documents and disclosures, process loans with accuracy and efficiency
• Stipulations Review
  • Independently ensure that all stipulations set forth by Underwriter are fulfilled appropriately
  • Perform all needed follow-up with Member or other parties to act on stipulations to completion
  • Identify and elevate any issues of risk or fraud to the appropriate Lending team members

Communication and Follow-Up

• Collaborate with various team members within the lending department and across the organization.
• Apply a commitment to excellent Member service…