Job Description

Come join our growing credit union. We are people helping people. Our culture is collaborative and fosters community service and employee growth.  

PURPOSE:  The primary purpose of this position is to assist Atlanta Postal Credit Union to live out our Mission, “To help our members achieve financial success by providing exceptional products and service.” Utilize good judgment and underwriting skills to quickly evaluate loan applications for risk, approve loan offers which are structured to perform, and meet member needs. 

DUTIES AND RESPONSIBILITIES

• Deliver outstanding service to both internal and external members that is in alignment with our Service Promises.
• Construct and approve loan offers in accordance with delegated approval authority and loan policy.
• Utilizes policy and procedure to build performing loans.
• Document adverse actions as needed and prepare systems to produce denial letters
• Conduct credit analysis on each loan application using automated means; including debt ratio calculation, credit scoring, collateral valuation and other methods deemed necessary.
• Comply with all aspects of BSA/AML and OFAC regulations as they relate to this position.
• Other duties as assigned.

QUALIFICATIONS:

• High school diploma. Some college work in business or accounting preferred.
• Minimum of two years of experience in an underwriting environment where performing loan offers are built and approved.
•  Analytical skills. Working knowledge of credit bureau reports.
• Comfort working in a fast-paced call center environment.
• Adept at utilizing most current technology and software to approve loans.
• Possesses good judgment skills and displays curiosity in attempting to understand “why’s” behind skills and concepts used.
• Possesses critical thinking skills and applies learned lending principles according to the unique needs of each member and their risk profile.
• Strong commitment to providing excellent member service with a “whatever it takes” attitude. 
• Possesses innate math skills, with an ability to mentally add, subtract and calculate percentages quickly. 
• Able to identify and refer cross-sell and up-sell opportunities.
• Able to construct counter-offers with creative options.  
• Consistently works well with others in support of departmental and organizational goals, and member needs.
• Ability to compose a professional business letter or e-mail.
• Excellent computer skills, including:
• Proficient in MS Office products, online chat, internet research, and various other online applications.
• Ability to create basic formulas and calculations in an Excel spreadsheet.
• o   Thorough knowledge of data processing system relative to lending
• Possesses strong organizational skills with great attention to detail. 
• Ability to work independently with minimal supervision.
• Ability to maintain confidentiality.
• Knowledge of local, state, and federal laws/regulatory requirements as related to functional areas including Truth in Lending, Reg B, Reg Z, and Bank Secrecy Act.

PHYSICAL JOB REQUIREMENTS:

The physical demands described here are representative of those an employee encounters while performing the essential functions of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to listen/hear or talk.  The employee frequently is required to stand, walk, or sit.  The employee must occasionally lift and/or move up to 10 pounds.  Specific vision abilities required by this job include close vision, distant vision, and an ability to adjust focus.

Company Description

History of Atlanta Postal Credit Union (APCU): Atlanta Postal Credit Union, chartered in 1925, is Georgia's oldest credit union. APCU is among the largest credit unions in the nation. In 2020 APCU welcomed it's new division Center Parc Credit Union. Our founders, whose primary goal was to provide affordable financial services to fellow employees and their families, founded APCU. Like thousands of other credit unions around the world, APCU is a member-owned, not-for-profit financial cooperative, founded on the premise that working people need a safe and sound place to save and borrow money. Our guiding principles are unique: only people who are credit union members can borrow here, loans should be for prudent and productive purposes, and a person's character and desire to repay a loan are considered as important as a person's income. From an initial investment of $2,505 in 1925, APCU's assets have grown to over $2 billion and membership is now in excess of 100,000 members. Members nationwide enjoy a full complement of financial products and services designed to save them money. APCU brings members together to improve their way of life. Quite simply, we are people helping people.