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Credit Union Jobs in Iowa (NOW HIRING)

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Credit Union information

See Iowa salary details

$12

$30

$90

How much do credit union jobs pay per hour?

As of Aug 29, 2026, the average hourly pay for credit union in Iowa is $30.62, according to ZipRecruiter salary data. Most workers in this role earn between $15.34 and $18.08 per hour, depending on experience, location, and employer.

What is a credit union?

A credit union is a member-owned financial cooperative that provides banking services like savings accounts, loans, and credit cards. Unlike banks, credit unions are nonprofit organizations, and any profits are returned to members through lower fees and better interest rates. Membership is typically based on a common bond, such as where you work, live, or your association with a particular group. Credit unions are regulated and insured, making them a safe place for your money. They often focus on personalized service and community involvement.

What are the key skills and qualifications needed to thrive as a credit union member service representative, and why are they important?

To thrive as a Credit Union Member Service Representative, you need strong financial knowledge, attention to detail, and typically a background in banking or customer service. Familiarity with banking software, cash handling systems, and compliance regulations is often required. Exceptional communication, problem-solving, and interpersonal skills help you build trust and effectively serve members. These skills and qualities are vital to ensuring accurate transactions, regulatory compliance, and a positive member experience.

What are some common challenges faced by employees working at a credit union, and how are they typically addressed?

Employees at credit unions often face challenges such as managing a high volume of member inquiries, staying updated with regulatory changes, and ensuring personalized service in a fast-paced environment. To address these, credit unions typically provide ongoing training, emphasize teamwork, and utilize up-to-date technology to streamline processes. Many credit unions also foster a collaborative culture, encouraging staff to share knowledge and support one another, which helps employees deliver excellent service while staying compliant with industry standards.

What is the difference between Credit Union vs Loan Officer?

AspectCredit UnionLoan Officer
CredentialsTypically requires high school diploma or equivalent; some roles may need financial certificationsRequires high school diploma; often needs mortgage or loan origination licenses
Work EnvironmentNon-profit financial cooperative, community-focusedBanking or lending institutions, sales-driven environment
Employer & IndustryCredit unions, financial servicesBanks, mortgage companies, lending firms
Common Search/ComparisonYesYes

While credit union employees focus on member services and financial products within a cooperative setting, loan officers primarily evaluate and approve loan applications for banks or lending companies. Both roles require financial knowledge, but their work environments and objectives differ, with credit unions emphasizing community and member relations, and loan officers concentrating on lending and sales.

What are the most commonly searched types of Credit jobs in Iowa?

The most popular types of Credit jobs in Iowa are:

What are popular job titles related to Credit Union jobs in Iowa?

For Credit Union jobs in Iowa, the most frequently searched job titles are:

What job categories do people searching Credit Union jobs in Iowa look for?

The top searched job categories for Credit Union jobs in Iowa are:

What cities in Iowa are hiring for Credit Union jobs?

Cities in Iowa with the most Credit Union job openings:

Credit Union jobs near you
Infographic showing various Credit Union job openings in Iowa as of August 2026, with employment types broken down into 1% As Needed, 82% Full Time, and 17% Part Time. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $63,682 per year, or $30.6 per hour.

Senior Credit Analyst

Collins Community Credit Union

Cedar Rapids, IA • On-site

Full-time

Posted 2 days ago

New

Job description

At our Credit Union, we are committed to helping businesses and members succeed while maintaining a strong, well-managed loan portfolio. We are seeking a highly analytical and detail-oriented Senior Credit Analyst to support commercial lending through comprehensive financial analysis, credit underwriting, risk assessment, and portfolio monitoring.
This position plays a critical role in evaluating commercial credit opportunities, supporting loan structuring decisions, identifying emerging risks, and maintaining the quality of the Credit Union's commercial loan portfolio. The Senior Credit Analyst serves as a trusted partner to Loan Officers and management while providing mentorship and guidance to junior credit staff.
What You'll Do
Commercial Credit Analysis & Underwriting
  • Analyze commercial loan requests and provide independent credit recommendations based on financial performance, collateral position, industry trends, and overall credit risk.
  • Prepare detailed financial statement spreads, cash flow analyses, risk assessments, and comprehensive Credit Memo Presentations utilizing approved underwriting tools and software.
  • Evaluate borrower repayment capacity through analysis of financial statements, tax returns, debt service coverage, liquidity, leverage, and profitability metrics.
  • Assign and monitor risk ratings and evaluate covenant compliance.
  • Identify strengths, weaknesses, opportunities, and risks within borrower relationships and industries.
Loan Structuring & Portfolio Management
  • Partner with Loan Officers to structure commercial lending relationships that appropriately balance member needs, portfolio objectives, and risk management standards.
  • Monitor existing commercial credit relationships and proactively identify emerging risks.
  • Recommend corrective actions, risk mitigation strategies, loan modifications, or workout solutions when necessary.
  • Prepare portfolio monitoring reports and credit risk analyses for management, Loan Committee, and other stakeholders.
  • Track pipeline activity, covenant compliance, collateral requirements, and financial reporting through loan origination and portfolio management systems.
Collateral & Credit Administration
  • Review commercial loan files to ensure complete and accurate documentation.
  • Conduct collateral evaluations and value verification for real estate, equipment, inventory, accounts receivable, and other pledged assets.
  • Review appraisals to ensure compliance with regulatory requirements, internal policies, and sound lending practices.
  • Assist in ensuring loans are properly documented, perfected, and administered throughout their lifecycle.
  • Maintain accurate credit files and support ongoing loan administration processes.
Relationship Monitoring & Field Reviews
  • Conduct borrower meetings, site visits, collateral inspections, and floor plan reviews to validate business operations and collateral condition.
  • Monitor portfolio performance and borrower financial trends to identify early warning indicators.
  • Assist with managing problem credits, loan workout strategies, and collection efforts when needed.
Leadership & Team Support
  • Provide training, guidance, and mentorship to junior credit analysts and support staff.
  • Promote consistency in underwriting, portfolio management, and credit administration practices.
  • Serve as a department resource and team lead in the absence of the Credit Manager.
  • Participate in departmental initiatives, process improvements, and special projects.
  • Attend and contribute to Loan Committee meetings by presenting analyses and credit recommendations.
Policy, Compliance & Risk Management
  • Maintain thorough knowledge of the Credit Union's Loan Policy, underwriting standards, and regulatory requirements.
  • Support the development and maintenance of credit policies, procedures, and risk management practices.
  • Ensure compliance with all applicable regulations, internal controls, and lending standards.
  • Contribute to a culture of sound credit administration and prudent risk management.

Ready to take the first step?
We offer a competitive salary, generous time off, paid holidays and a benefits package with extensive coverage options, along with a supportive and positive work environment. Apply today and start your rewarding career with us!
Collins Community Credit Union is an EEO Employer. M/F/Veteran/Disability. We strongly encourage minorities, veterans, and individuals with disabilities to apply for career opportunities with the Credit Union. We are an E-Verify Employer.

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