Credit Union:

OnPoint Community Credit Union


Portland, OR (Clackamas and Beaverton also available)



Job Description:


  • Exercises high level of consumer and small business lending authority and loan limits.
  • Analyze, evaluate, and decisions higher dollars and/or more complex consumer and small business loans (including Dealer Direct), submitted to Credit Administration. Underwrite in accordance within OnPoint policies and all governing state and federal rules and regulations.
  • Assesses the importance, urgency and risk associated with each situation to make decisions and develop viable solutions in support of meeting the member’s needs and the Credit Union’s objectives. Assesses product/loan alternatives in reaching making loan decisions.
  • Analyze and review documentation related to consumer and small business applications with emphasis on accuracy, legitimacy and completeness.
  • Reviews collateral value documents to ensure type of collateral and collateral value supports the loan amount.
  • Collaborates with other department to collect information related to consumer and small business lending decisions.
  • Analyze complex tax returns and cash flow including self-employed, rental, and corporate.
  • Reviews income verification / tax analysis or paystubs to ensure income supports loan decision / recommendation.
  • Maintains knowledge of OnPoint’s consumer and small business loan products.
  • Serves as an expert resource for lenders within the Credit Union.
  • Provide prompt attention and turnaround times on all loan applications. Discuss loan denials, counteroffers and credit underwriting as it pertains to each loan evaluation with lenders.
  • Recommends ideas and solutions for process improvements and risk prevention based on observations.
  • May participate in projects associated with the implementation of processes and procedures.

Knowledge, Skills & Competencies

  • Maintains thorough knowledge of OnPoints consumer and small business lending policies, guidelines, practices.
  • Maintains working knowledge of state and federal rules and regulations in area of responsibility to include: Truth in Lending, Reg. B, CIP, FCRA, OFAC, BSA, and Military Lending Act)
  • Ability to analyze basic and complex tax returns and financial statements (Self-employment, Corporate, Rental).
  • Ability to read and analyze Credit Reports.
  • Knowledge of business entity structures.
  • Knowledge of OnPoint’s products, services and procedures; to include, but not limited to: loans and loan servicing, deposit accounts and servicing, Credit Cards, new memberships
  • Knowledge of auto pricing practices, reserve practices, auto buying and auto financing structures.
  • Ability to effectively collaborate. Effective and comfortable engaging others, building rapport and handling differences. Skilled at diplomatically and constructively responding to challenging situations; maintaining composure and displaying patience.
  • Ability to use language effectively to gather information and facilitate the exchange of thoughts and ideas. Expresses self clearly and logically. Presents self genuinely and with assurance.
  • Highly proficient in identifying analyzing and solving completed situation or problems.
  • Exceptional research skills, ability to examining data to understand issues, draw conclusions and solve problems. Ability to distinguish information that is pertinent and not pertinent to situations; correlate information from varied sources.
  • Capacity to comprehend, retain and apply new skills and sizable volumes of information.
  • Ability to add, subtract, multiply, divide, and compute rate and percentages. Skilled at using ten-key and data entry’. Knowledge of basic computer skills and ability to learn and use software tools.
  • Values learning for self and of others – fosters a climate for learning and development.
  • Ability to recognize opportunities for area ow work or need for changes.
  • Ability to maintain confidentiality
  • Exceptional time management skills with strong ability to coordinate and prioritize workload in high volume area. Ability to work independently.


  • 4 year College degree preferred
  • 3 years lending experience required with 2 years consumer lending experience preferred.
  • Experience analyzing basic and complex tax returns.
  • Experience in analyzing RE Title Report, RE Appraisals/valuations preferred.
  • Available to periodically work in the early evening hours and/or Saturdays.
  • Proficient in working with XP and LPQ operating systems preferred.