About this position
Job Description
Job Description
ABOUT US
Kemba Credit Union is a not-for-profit organization based out of West Chester, OH. Voted top places to work in Cincinnati since 2019 & recognized as a top workplace in the United States by USA Today in 2022, 2024 & in 2025! We believe that hiring the best people is at the very core of our success. At Kemba Credit Union, every single team member makes a difference, and together we make an impacting the lives of our members.
Joining our team has its perks:
- Generous PTO Including Birthday PTO,
- Company Paid Group Life Insurance,
- 401k Plan with Match of up to 5%,
- Short and Long-Term Disability,
- Ample Growth Opportunities,
- Affordable Insurance Plans,
- Employee Loan Discounts,
- Wellness Program,
- 11 Paid Holidays,
- Profit Sharing,
- And More!
POSITION PURPOSE
Responsible providing clerical support and credit analysis for loan processing activities for Commercial loans. Receives, reviews, and evaluates Commercial & Construction loan applications. Meets with applicants to explain credit policies and to obtain loan information and documentation. Obtains and verifies necessary information to prepare documents for underwriting and closing review. Arranges flood zone certifications as required. Communicates loan status to all involved parties including buyer, seller, realtor, and title company representatives. Obtains proof of insurance as required on mortgage loans. Provides assistance in required Annual Reviews of member financials.
IMPORTANT NOTE
This is not a remote position.
This role requires in-person work at our Operations Center in West Chester, OH.
POSITION SCHEDULE
The weekly schedule will be based upon the following shifts:
- Sundays: Office closed.
- Mondays: 8:00am - 5:00pm.
- Tuesdays: 8:00am - 5:00pm.
- Wednesdays: 8:00am - 5:00pm.
- Thursdays: 8:00am - 5:00pm.
- Fridays: 8:00am - 5:00pm.
- Saturdays: Off.
ESSENTIAL FUNCTIONS AND BASIC DUTIES
- Interviews, takes applications, and processes preliminary documentation on commercial and construction loan requests.
- Discusses loan alternatives, credit criteria, interest rates, and loan documentation in such a manner as to elicit positive responses from members.
- Analyzes and evaluates loan requests and prepares written submission for loan consideration.
- Ensures that all necessary items are available for underwriting.
- Identifies problems or potential problems with credit information and coordinates with the necessary party to resolve the problem(s).
- Helps with determining all sources of income using Income Analysis Worksheets and helps with the Risk Rating Matrix determination, if applicable.
- Reviews information for completeness and accuracy. Clarifies missing or questionable information.
- Communicates the status of the loan to the buyer, seller, realtor, and title company representatives.
- Helps prepare and receive approval for loan funding. Works with Loan Servicing when the closing date is determined.
- Once the loan is closed and disbursed, works with the Loan Processor to see that the file is scanned.
- Manages the process of gathering up-to-date financials on the loans we require for annual review.
- Prepares a Board report to indicate the status of annual reviews and any concerns that may occur.
QUALIFICATIONS
EDUCATION/CERTIFICATION:
A minimum of one of the following: (1) A bachelor's degree, or (2) achievement of formal certifications recognized in the industry as equivalent to a bachelor's degree (e.g., information technology certifications in lieu of a degree).
REQUIRED KNOWLEDGE:
Full understanding of loan processing functions.
Knowledge of mortgage related requirements, procedures, and underwriting criteria.
EXPERIENCE REQUIRED:
Three to five years of similar or related experience.
SKILLS/ABILITIES:
Good verbal and public relations skills.
Strong typing abilities.
Good basic math skills.
Able to operate related computer applications and other basic office machines.
Location and commute
8730 Cincinnati Dayton Rd, West Chester, OH 45069.
Plan your route with Google Maps. Travel times and transportation options vary; confirm the work location with the employer before commuting.
How to apply
Review the vacancy and complete the application on the employer or recruitment partner’s website. Requisition ID: WJ-3274577618.