Loan Officer
Serve Credit Union - Urbandale

Title: Loan Officer - Urbandale

Reports to: Branch Manager

Job Classification: Exempt

Loan Officer Position

Serve Credit Union (formerly Des Moines Police Officers’ Credit Union) is looking for a loan officer to join our growing team.  The successful candidate will deliver professional, knowledgeable and exceptional member service through all delivery channels.  Will also enhance and foster member relationships by identifying members’ needs and cross-selling appropriate products and services. Process member loan requests efficiently and accurately. Identify opportunities for loan growth and product sales. Independently respond to members’ questions, concerns and requests in a timely, competent manner. Maintain safety and security of our members, our employees and credit union assets by adhering to regulations, policies and procedures.  Assume primary responsibility for consumer, mortgage and credit card lending programs, including related compliance. 

Key Responsibilities

  • Accurately and efficiently processes member loan requests and transactions.
  • Exercises solid judgment and decision-making skills in compliance with internal credit union policy and procedures and applicable state and federal.
  • Evaluates and underwrites loan applications and credit criteria.
  • Coordinates and processes closings. Ensures that each loan is promptly and properly prepared, documented and processed.
  • Notifies applicants of loan decisions.
  • Looks for cross-sell opportunities at all times, asking the member for additional business. Maximize opportunities to see Serve Credit Union products and services to benefit members and enhance the quality and depth of member relationships and profitability.
  • Stays informed regarding local and national economic conditions and legal & regulatory changes.
  • Counsels members in relation to their credit history and offer necessary solutions and suggestions.
  • Work closely with all lending staff to maximize average turnaround time and efficiency on all loans.
  • Ensures proper maintenance, cleanliness, and security of work area, desks, equipment, etc.
  • Ensures that the Credit Union’s quality and professional reputation is projected and maintained.
  • Demonstrates technical expertise in the areas of mortgages, home equities, credit cards, collections and consumer lending.
  • Assists with collections as assigned.
  • Performs other duties as assigned.


  • High school diploma or equivalent
  • Consumer and mortgage lending experience preferred
  • Self-starter
  • Excellent interviewing skills and able to communicate effectively through excellent interpersonal and telephone skills
  • Sales experience
  • Attention to detail
  • High level of interpersonal skills and the ability to work both independently and in a team environment are required
  • Excellent verbal and written communication skills
  • Professional appearance and attitude
  • Ability to work under pressure
  • Qualifies as Mortgage Loan Originator (MLO) and complies with the Nationwide Mortgage Licensing System and Registry (NMLS) registration process

About Us

Serve Credit Union is a growing $70 million financial cooperative with 2 locations in the Des Moines Metro area.  We serve over 5,000 members including Public Safety Professionals within the State of Iowa as well as Federal, State, County, City and School Employees and their families in 8 Central Iowa counties.  We offer a full benefits package and competitive salary.

If interested in joining our team and making a difference in the financial lives of the members we serve, please send your resume and cover letter to:

Lacy Carpenter, Branch Manager

3743 86th St

Urbandale, IA 50322

or email


Lacy Carpenter

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