Thank you for your interest in career opportunities with The Southern Credit Union. 


The Southern Credit Union is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, disability, veteran’s status or national origin


Title: TSC Loan Originator / TSC Loan Officer
Salary Range: Determined by Experience
Reports to: Chief Lending Officer

Qualifications: Applicants should have some experience in loan processing, originating, and / or underwriting. Loan experience can be supplemented by related experience in banking or finance. Applicants should have excellent oral and written communication skills. Applicants should be able to type efficiently and must have working knowledge of Microsoft Office Suite. Applicants must be able to work independently and prioritize assignments and workflow efficiently. Applicants must also have exceptional customer and member service skills as well as an interpersonal skill set.

Job Duties: Loan Officers must process loan applications and appropriately advise members on any loan related questions. Loan Officers will obtain accurate information from the member and input into lending software, in accordance with current laws and regulations, as it relates to lending. Loan Officers are to pull credit reports, verify demographics, verify assets and liabilities, as well as validate legal documents.

Since the Credit Union’s lending platform is decentralized, lending personnel will not be limited to just loan origination. Loan Officers are required to underwrite all loan applications and make informed decisions within policy limits and assigned lending authority. Lending authority is assigned based on loan recommendations, experience, lending education, delinquency ratios, as well as current market conditions. Underwriting and Credit Analytics require lenders to verify income, calculate debt to income, disposable income, and revolving debt burden ratios.

Loan Officers will analyze credit reports provided by Equifax, Experian, and TransUnion. Loan Officers are to assign interest rates based on the credit score, term of loan, and any other stipulations required by policy. Loan Officers are to analyze the credit reports to evaluate repayment history, amount of unsecured debt versus secured, type of debts, and debt burden. Loan Officers are to identify areas of concern to the Credit Union such as delinquencies, judgments, liens, foreclosures, repossessions, bankruptcies, and any other derogatory items, as
they may prohibit disbursal of the loan application.

Loan Officers are to track and maintain a “loan pipeline” from the loan application to the loan disbursement. Loan Officers are to continuously remain in contact and follow up with members to ensure good customer service and that the loan request is closed within a timely fashion. Loan Officers are to request and obtain any required documentation from the member such as proof of income, proof of collateral, payoffs, purchase orders, bill of sales, etc…

Loan Officers must have a general knowledge of the Fair Credit Reporting Act, Equal Credit Opportunity Act, Fair and Accurate Credit Transaction Act, Truth in Lending Act, Credit Card Accountability, Responsibility, and Disclosure Act, and the Fair Debt Collections Practices Act. Finally, Loan Officers will be expected to manage other assignments requested by management as they relate to the Lending Department.

Please forward resume to