Career Opportunities

If you’re passionate about helping local businesses buy, build, or expand their operations and enjoy the impact of local underwriting and decision making, then Clearwater Credit Union has an exciting opportunity for you as a full-time Business Loan Officer in Butte, Montana. You’ll enjoy excellent benefits and a fantastic work environment, with locations across picturesque Rocky Mountain communities. 

The Business Loan Officer position is responsible for assisting business members with their commercial lending needs, being a resource of information for business members, and building stronger relationships in the business community. 

Responsibilities/Skills:

• Helps drive a business development effort focused on portfolio growth
• Interview business members, determining what their needs are, and obtaining all applicable financial and other relevant documentation to make an informed credit decision
• Provide excellent service by managing expectations through good communication and timely loan closings
• Possess a strong understanding of financial analysis, cash flow analysis, and collateral evaluation
• Structure and negotiate terms, analyze, and close loans
• Manages a loan portfolio of business members that includes monitoring credit quality by analyzing updated financial information and ensuring that loan files are updated with all necessary documentation
• Perform collections and workouts of troubled loans, as necessary
• Stay informed of regulatory requirements and changes and other internal policies
• Participate with local boards and volunteer for various community events

Qualifications:

• 1-3 years of business lending experience, including time spent as a credit analyst
• Bachelor’s degree in finance, accounting, business administration is preferred, or equivalent work experience
• Self-motivated with strong sales abilities
• Strong written and verbal communication skills required
• Strong organizational time management skills and problem-solving skills
• Excellent computer skills, including Microsoft Office Suite

Salary depends on experience. Clearwater Credit Union is an equal opportunity employer and offers over 25 benefits beyond salary, including health insurance, PTO, 401(k) match, paid volunteer time and more! Position open until filled.

Clearwater Credit Union is seeking a dedicated Consumer Loan Manager to join our Consumer Lending team in Missoula, MT.  In this role, you will oversee and direct the lending activities of our Consumer Loan Officers, while guaranteeing exceptional service for our members.  Sound decision making skills and leadership capabilities are needed to guide in a proactive approach to lending and forward thinking.   

Key Responsibilities:

• Lead and supervise a team of Consumer Loan Officers, providing day-to-day guidance and support.
• Meet with employees to deliver regular performance feedback and coaching sessions to help employees grow and succeed.
• Compile and submit departmental reporting as needed.
• Coordinate workflow and departmental schedules to maintain appropriate branch coverage.
• Participate in your own personal production and growth opportunities.  
• Work directly with the VP of Consumer Lending to drive both individual and overall production goals.
• Help to maintain and support sound lending practices, keeping the needs of our members and our organization in mind.
• Serve as a knowledgeable resource for both credit union employees and members regarding the consumer lending process.
• Travel to branches in various Clearwater markets as needed.

Qualifications:

• High school degree or equivalent.
• Three to five years of similar or related experience, including time spent in preparatory positions. 
• Knowledge of and demonstrated ability to implement effective people, time, project, and organizational management practices.
• Excellent written and verbal communication skills to work effectively and efficiently with all levels of staff, members, and vendors.  

If you have experience in consumer lending and strong leadership skills to motivate teams and drive positive results, then this position may be right for you!

Clearwater Credit Union is an equal opportunity employer and offers over 25 benefits beyond salary, including health insurance, PTO, 401(k) match, paid volunteer time and more!

This in-branch Contact Center Representative position, located in Missoula, MT, provides direct member support through audio, video, chat, and other delivery channels by completing transactions, fulfilling requests, and serving as a trusted source of information to help members navigate their financial needs with confidence.

Essential Functions & Responsibilities

• Skilled at answering Audio and Video calls 
• Completes outbound phone calls
• Comfortable and efficient using Chat
• Provides personalized guidance to address all the member’s needs
• Comfortable using multi-engagement channels to assist members
• Responds to all incoming chats
• Answers all emails from website and ones directed to Contact Center email addresses
• Responds to all online banking messages
• Solve member account problems
• Update member records
• Process member transactions and other member requests
• Protects members and credit union from fraudulent activities
• Proficient use of technology
• Refer products and services based on identified member need
• Knowledge of products and services, including staying up to date with changes and additions
• Provide internal and external members with excellent service
• Follows all credit union policies and procedures, including being compliant with state and federal laws and regulation
• Reliable attendance and completion of tasks

Success Factors/Job Competencies

• Embrace the Mission, Values, and Vision of the Credit Union.
• Ability to interact with more than one department daily.
• Ability to work within precise standardized guidelines with some latitude to make decisions and take initiative to resolve problems or unique circumstances.
• Ability to possess versatility and flexibility to successfully service our members and serve as a back up to other positions as required.
• Ability to possess the creativity and resourcefulness required to successfully complete assigned duties without constant supervision.
• Ability to understand and follow moderately complex written and oral instructions.
• Ability to express oneself clearly and concisely, both orally and in writing.
• Ability to accept responsibility for access to confidential data.

Clearwater Credit Union is an equal opportunity employer and offers over 25 benefits beyond salary, including health insurance, PTO, 401(k) match, paid volunteer time and more!

Do you want to work somewhere you’re empowered to make a meaningful difference every day? Clearwater Credit Union is currently accepting applications for a full-time Consumer Loan Processor in Missoula, MT. 

This role plays a vital part in ensuring loans are funded accurately, documents are processed efficiently, and collateral is secured properly. 

What You’ll Do

As a Consumer Loan Processor, you will:

• Fund consumer loans and process required documentation.
• File and perfect liens to ensure proper collateral security.
• Complete consumer secured loan payoffs, including related insurance claims.
• Process GAP, Mechanical Breakdown, DPW, and Debt Protection remittance and claims.
• Conduct consumer loan document audits for accuracy and compliance.
• Assign consumer loans and complete various lending reports.
• Process notices, letters, and other loan-related correspondence.
• Provide administrative support to Consumer Lenders.
• Deliver excellent service to internal teams and external members by answering department-related questions professionally and promptly.

What You Bring

We’re looking for someone who is:

• Highly organized, accurate, and detail oriented.
• Skilled at managing multiple tasks and deadlines.
• Comfortable working independently while also contributing to a team environment.
• A strong communicator with excellent phone etiquette.
• Committed to recognizing needs and creating solutions.
• Able to exercise sounds judgment and decision-making.

Clearwater Credit Union is an equal opportunity employer and offers over 25 benefits beyond salary, including health insurance, PTO, 401(k) match, paid volunteer time and more!