Careers


Welcome Federal Credit Union Assistant Loan Officer

Responsible for processing provident or productive loans in accordance with North Carolina state laws, federal regulations, and Welcome Federal Credit Union’s (WFCU) policies.  Analyzes financial information, submits recommended decision to Loan Officer or Branch Manager for final approval.

ESSENTIAL FUNCTIONS:

  • Assists members with the loan application process, interviews applicants, and provides recommendations for loans.
  • Processes loans with the highest complexity, value, or risk.
  • Gathers background information, applicants’ credit history, and obtains credit reports.  Processes credit reviews in accordance with WFCU’s criteria, policies, and procedures.  Analyzes financial information, submits recommended decision to Loan Officer or Branch Manager for final approval.
  • Determines collateral requirements, values, and establish payment plans.  Informs prospective borrowers of loan commitments.
  • Under direction of a Loan Officer, assures that each loan is properly and accurately prepared and documented.
  • Explains reasons for denial and completes and mails appropriate forms.  Explores alternative lending options for members when loans are denied.
  • Conducts loan closings with members in accordance with state and federal laws and regulations and WFCU policies and procedures.
  • Assures that the Credit Union’s lien is filed with appropriate agencies and is listed on all collateral documents; that legal collateral documents are secured; and that all property/collateral secured loans are covered by collision insurance. 

KNOWLEDGE, SKILLS & ABILITIES:

  • High School degree required; Associate’s degree preferred.
  • Minimum of one year work experience in an accounting/banking/credit union role, including data entry, customer service, and problem resolution.  Previous cash-handling and lending experience preferred.
  • Knowledge of laws, procedures, and regulations regarding credit, lending, and financial transactions.
  • Computer proficiency and technical aptitude with knowledge of MS Office applications.
  • Notary Public, or eligible for notary certification.
  • Ability to articulate ideas clearly (both written and orally), listen accurately, and establish personal rapport with people from a variety of backgrounds.
  • Ability to deal sensitively with confidential information and manage deadlines.
  • Ability to effectively multi-task in a frequently changing environment with attention to accuracy and detail.
  • Maintains dignity and self-control in stressful situations.
  • Presents professional, pleasant approach in interactions with members and fellow employees.

Please email your resume to: Raldy Baez, Branch Manager at raldyb@welcomecu.org

Welcome Federal Credit Union will be closed on Monday, February 19 in observance of President's Day.

Now is the time to get the best returns on your cash with higher interest rates on your Certificate and Money Market accounts!

Please be advised that the Henderson Branch will be closed on Friday, March 29 in observance of Good Friday.

Now is the time to get the best returns on your cash with higher interest rates on your Certificate and Money Market accounts!

Welcome Federal Credit Union will be closed on Monday, May 27 in observance of Memorial Day.

Now is the time to get the best returns on your cash with higher interest rates on your Certificate and Money Market accounts!

Welcome Federal Credit Union will be closed on Wednesday, June 19 in observance of Juneteenth.

Now is the time to get the best returns on your cash with higher interest rates on your Certificate & Money Market accounts!   

Please be advised of our holiday hours for Independence Day: all WFCU branches will be closed on Thursday, July 4. The Zebulon-GSK branch will be closed July 1 - July 5.

Now is the time to get the best returns on your cash with higher interest rates on your Certificate & Money Market accounts!   

Welcome Federal Credit Union will be closed on Monday, September 2 in observance of Labor Day.

Now is the time to get the best returns on your cash with higher interest rates on your Certificate & Money Market accounts!   

Welcome Federal Credit Union will be closed on Monday, October 14 in observance of Columbus Day. 

Now is the time to get the best returns on your cash with higher interest rates on your Certificate and Money Market accounts!

Welcome Federal Credit Union will be closed on Monday, November 11 in observance of Veterans Day.

Now is the time to get the best returns on your cash with higher interest rates on your Certificate & Money Market accounts!   

Welcome Federal Credit Union will be closed for the Thanksgiving Holiday on November 28 & 29, 2024.

Now is the time to get the best returns on your cash with higher interest rates on your Certificate & Money Market accounts!   

As we close out 2024 and think forward to 2025, WFCU would like to wish all of our members and their families a wonderful holiday season and a prosperous New Year! Please be advised of our holiday schedule.

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