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Job Details
Description
About Us
Kitsap Credit Union is a not-for-profit, member-owned financial cooperative with more than 300 employees and 14 branches throughout Western Washington. We have a passion for making a positive difference. As a $2 + billion-asset credit union, we are deeply committed to our members’ financial wellbeing and the prosperity and quality of life in the communities we serve. We are proud to be led by individuals with the experience and skills to drive our organization towards our goals for strategic growth and operational excellence. Our KCU Cares Foundation program focuses on providing resources and support for those struggling with homelessness or hunger and improving the financial well-being of the people in our communities. And beyond monetary efforts, we have provided thousands of hours in staff volunteerism and in-kind support.
At Kitsap Credit Union, our success is built on trust-based relationships and personalized service. We understand our employees are key to our success. They provide the personalized service to our members and contribute to the communities where we live. We are committed to providing a supportive, mission-driven, and inclusive culture where employees can grow their careers. To learn more, visit kitsapcu.org.
About the Role
Kitsap Credit Union is in search of a Centralized Lending Funding Associate. The Centralized Lending Funding Specialist is responsible for guiding members through the final stages of their consumer loan application process, including signature loans/lines of credit, auto loans, personal loans, and credit cards. This role ensures all required documentation is completed accurately and efficiently, validates contract details, identifies cross-sell opportunities, and presents final loan options to members. The specialist prepares and sends final documents for signature, reviews signed documents for quality control, and books and funds loans to the core system.
Quick Facts
Reports to: Director of Centralized Funding Operations
Employment Type: Full-time, hourly, non-exempt, hybrid
Salary Range: $26.47 - $33.09/hour depending on experience
Bonus Target: 5% potential incentive of base pay
Working Hours: Monday - Friday 8AM - 5PM
Grade: 7BC
Industry: Banking
PRINCIPAL ACCOUNTABILITIES
- Interact directly with members to finalize consumer loan applications, ensuring a positive and professional experience.
- Complete all required paperwork and documentation for consumer lending products (signature loan/line of credit, auto loan, personal loan, credit card).
- Validate contract numbers and loan details for accuracy and compliance.
- Discover and present cross-sell opportunities, including loan upgrades and ancillary products (GAP, Service Contracts, Maintenance, etc.).
- Deliver a clear and comprehensive final presentation of loan options to members.
- Prepare and send final loan documents for member signature.
- Review signed documents for quality control and compliance with lending regulations.
- Accurately book and fund loans to the member’s account in the core system.
- Maintain up-to-date knowledge of lending compliance regulations and internal policies.
- Communicate effectively with members, team members, and other departments to resolve issues and ensure timely funding.
- Demonstrate urgency and efficiency in completing loan documentation and funding processes.
- Support a positive team environment and contribute to continuous process improvement.
REQUIRED SKILLS AND ABILITIES
- Excellent verbal and written communication skills.
- Excellent organizational skills and attention to detail.
- Excellent time management skills with a proven ability to meet deadlines.
- Proficient with Microsoft Office Suite software.
- Ability to quickly learn and apply lending compliance regulations.
- Ability to identify member needs and recommend appropriate products and services.
- Demonstrates a high level of engagement and active collaboration contributing to a positive team environment.
- Understand, model, and represent KCU’s core values.
Required Qualifications and Education
- High School Diploma, GED, or equivalent.
- Minimum of two years’ experience in consumer lending, loan funding, or related financial services role.
- Demonstrated knowledge of lending compliance regulations and documentation requirements.
- Experience in direct member/customer service.
Preferred Qualifications and Education
- Three or more years’ experience in consumer lending or loan funding at a credit union or financial institution.
- Experience with cross-selling financial products and services.
- Familiarity with Kitsap Credit Union lending systems and procedures.
SUPERVISORY STATUS
This position does not supervise others.
Working conditions
This position will be required to work in an office environment with moderate noise levels, and, with or without reasonable accommodation is required:
- Must be able to remain in a stationary position for a minimum of 75% of the time
- Constantly operates a computer and other office productivity machines
- Occasionally ascends/descends stairs
- Constantly positions self in work environment
- The person in this position frequently communicates with peers, supervisors, vendors, and employees to exchange accurate information and answer questions
- Must be able to detect objects at a distance
- On occasion will move up to 20 pounds of office objects
- Works in an indoor office environment but expected to attend meetings in buildings that require travel in outdoor weather conditions
EQUAL EMPLOYMENT OPPORTUNITY/AFFIRMATIVE ACTION STATEMENT
Kitsap Credit Union is firmly committed to equality of opportunity for all employees and applicants for employment in accordance with applicable Equal Employment Opportunity/Affirmative Action laws, directives, and legislation.
This job description is intended to describe the general nature and level of work being performed by employees in this position. It is not intended to be an exhaustive list of all responsibilities, duties, and skills required for this position; other duties outside of normal responsibilities may be performed as necessary to meet the needs of the organization. Nothing in this position description restricts management’s right to assign or reassign duties and responsibilities to this job at any time.
Our Values
Integrity: We believe in acting with honesty, trust, and respect which are at the forefront of our daily engagement.
Responsibility: We believe that responsibility is holding ourselves accountable for our decisions, actions, and their outcomes.
Collaboration: We believe in the power of a diverse group of people working together to achieve a united outcome.
Authenticity: We believe activities in actions that demonstrate our commitment to be transparent, dependable, and genuine in every day.
What We Offer
Not only are we one of the largest credit unions in Washington State, and growing, but we are also a company that cares about its employees. We back that up for our employees by offering competitive pay and a benefits package that helps support you and your family’s lifestyle. We value our employees, and we strive to keep our benefits comprehensive and affordable. Some of our benefits include:
Careers | Kitsap Credit Union (kitsapcu.org)
- Annual time off and sick time accrued
- 11 Paid holidays
- 1 Personal floating day
- Medical, Dental, Vision, Short- and Long-term Disability, Life and AD&D Insurance
- Employee Assistance Program
- Choose from a PPO medical plan or a High Deductible with a Health Savings Account
- 3% KCU funded Safe Harbor Contribution to your 401K
- KCU will match up to 2% of your 401K contributions
- All 401K contributions are 100% vested
- Potential annual incentive in all roles within Kitsap Credit Union
- Tuition reimbursement
- 8 hours of paid volunteer time off
- Discounts on KCU's products and services
- Enjoy unlimited ORCA transit access through KCU for less than $45 a year—your cost as an employee
We believe in the power of belonging – it’s in our DNA as a not-for-profit, member-owned cooperative. Our un-bank-like structure ensures that we remain all about people: our members, our employees, and the people in the communities where we live and work. We work hard to provide a collaborative and inclusive environment where you can grow and excel in your career.
We are dedicated to serving our members by providing personalized experiences, convenient access, and highly competitive products and services. But it goes much deeper than that. For more than 86 years, we have been relentless about making a positive difference in our communities. We understand that when our members and communities succeed, we all succeed, and that success can’t happen without great employees.
