CU Employment Opportunities

Credit union employment opportunities remain listed for up to three months from the initial posting date unless AVCU is asked to remove them sooner. To submit a new position, or to ask us to remove an employment opportunity that is no longer active, please email us. AVCU is not liable for the content, veracity, or continued availability of any position listed below. Most recent update: 3/24/23.

financial services assistant, northcountry federal credit union (3/3)

Role: Support the credit union’s vision of being the community’s most loved financial institution, and its mission to make people’s financial dreams come true. Contribute to a world class experience for all members and staff, by building rapport, determining needs, and offering creative solutions to best serve their needs. Demonstrate professionalism and integrity and represent the credit union’s core values in all interactions.

To schedule appointments with members, perform administrative functions and market Financial Services Program to credit union employees and members.

Essential Functions and Responsibilities

Provide administrative support for the Financial Services program. Duties include setting up appointments with members, analyzing, sorting and delivering incoming mail, providing telephone support, typing memos and correspondence and managing calendars. Develop and maintain long term relationships with clients.
Review and understand the appropriate tier of financial products and services. Obtain all licenses required to market these products.
Collect, prepare, and report weekly activity, including schedules, member meetings, staff referrals, direct outbound calls and results, and time allocated to staff education to Financial Services Representative and Sr. VP of Retail.
Partner with Financial Representative to understand program goals and expectations. Maintain in good standing a Series 6, Life and Health license.
Support the credit union’s relationship with the community by building relationships with businesses and like-minded non-profit organizations.
Market the Financial Services program to credit union employees and members. Assist with seminar preparation and presentations and maintain marketing lists to ensure information is correct and accurate. Administer and track any advertising approvals as needed to remain in compliance.
Develop an understanding and working knowledge of the credit union history, philosophy, organization, bylaws, policies, procedures and appropriate software systems. Perform all other job-related duties as assigned.

Performance Measurements

Accountability – The degree to which one is answerable and responsible for actions and performance either individually or on a team.
Attention to detail – The level at which tasks are performed carefully, accurately, and in accordance with specific instructions. Consistency of work quality and compliance with standards, requirements, and expectations. The tracking of numerical data and detailed organizational information, and the careful application of grammar, spelling, and punctuation rules.
Confidentiality – The ability to preserve sensitive and important information or data. Confidential information is not revealed outside of the company, except as necessary in the ordinary course of business.
Professionalism – The degree to which the employee demonstrates and conveys a favorable image when representing the company. The level of honesty, integrity, and confidentiality along with proper standards of professional dress.
Communication – The ability to effectively converse and listen to others concerning company matters. The use of proper written and grammatical skills, and the meaningful application of computer technology.

Knowledge and Skills

Experience: One year to three years of similar or related experience.
Education: (1) A two-year college degree or (2) Completion of a specialized course of study at a business or trade school or (3) Completion of a specialized and extensive in-house training or apprenticeship program.
Interpersonal Skills: Work involves extensive personal contact with others and is of a personal or sensitive nature. Motivating, influencing, and/or training others is key at this level. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas or services to others.

Other Skills:

Understand and believe in Financial Services Program.
Ability to market Financial Services Program.
Excellent organizational and editing skills; typing skills utilizing Word, accuracy and proficient with spreadsheets.
Friendly, outgoing and creative.
Team Player

Visit the credit union’s Careers webpage for more information or to apply.

EOE

member advocate manager (Orleans), northcountry federal credit union (2/17)

Role: Support the credit union’s vision of being the community’s most loved financial institution, and its mission to make people’s financial dreams come true by building a cohesive team of engaged, highly performing employees. Leverage the strengths of each team member, to inspire and empower them to provide world-class service during all interactions with stakeholders. Demonstrate professionalism and integrity and represent the credit union’s core values in all interactions.

Essential Functions and Responsibilities

Monitor all department activities to ensure they comply with established credit union policies and procedures.
Be proficient in all credit union products and services, including but not limited to teller transactions, account opening, consumer loans, member business loans and mortgages. Review and approve underwriting decisions of subordinate personnel.
Actively listen to members needs and offer appropriate solutions for overcoming a financial challenge or achieving a financial goal, utilizing credit union loan and deposit products.
Protect the credit union’s values by monitoring for and quickly addressing communication breakdowns between individuals. Communicate the team’s goals and progress with the team and encourage discussion. Identify and recommend changes to any processes that are out of alignment with the credit union’s vision, mission, or values. Administer performance evaluations and recommend appropriate personnel actions.
Support the credit union’s relationship with the community by building relationships with businesses and like-minded non-profit organizations.
Monitor branch operating results relative to established objectives and ensure appropriate steps are taken to correct unsatisfactory conditions. Maintain communications with main office; attend scheduled management meetings.
Develop an understanding and working knowledge of the credit union history, philosophy, organization, bylaws, policies, procedures and appropriate software systems. Perform all other job-related duties as assigned.

Performance Measurements

Decision-Making/Problem Solving – The ability to make prudent decisions that are timely, well researched, and reflect awareness of impact. The degree to which the supervisor recognizes, and defines problems, and implements timely and meaningful solutions.
Time Management – The ability to work independently with minimal supervision and effective use of time. The level of control/oversight of all assigned projects and responsibilities.
Member Focus – The degree to which member service is demonstrated in the day-to-day business environment. The level of support for co-workers as well as outside members, clients, etc.
Employee Management and Leadership – The degree to which the supervisor motivates employees, preserves high morale and supervises with fairness and consistency. The ability to effectively lead others in achieving stated duties, company goals and mission.
Initiative – The ability to perform job responsibilities independently and responsibly. The ability to proactively complete tasks, solve problems, improve processes, enhance products, and/or extend services within assigned range of authority.

Knowledge and Skills

Experience: Three years to five years of similar or related experience.
Education: (1) A two-year college degree or (2) Completion of a specialized course of study at a business or trade school or (3) Completion of a specialized and extensive in-house training or apprenticeship program.
Interpersonal Skills: Work involves extensive personal contact with others and is of a personal or sensitive nature. Motivating, influencing, and/or training others is key at this level. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas or services to others.

Visit the credit union’s Careers webpage for more information or to apply.

EOE

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junior systems administrator, northcountry federal credit union (2/17)

Essential Functions and Responsibilities

Primarily responsible for patch and software management of IT infrastructure with a primary focus on all aspects of patch management, including end point protection, perimeter devices, servers, network devices and log analysis using automated and non-automated tools.
Responsible for design, testing, deployment and ongoing maintenance of end user operating system images in a non-persistent VDI environment.
Engaging with external vendors and internal stakeholders to ensure all systems are up to date on critical security patches and security best practices.
Act as initial point of contact between CU Infrastructure, Help desk and Information security for support of CU Infrastructure and as an escalation resource for facilitating communication between Help desk and Engineering in regards to patch security and remediation.
Provide backup support to IT Support Specialist’s with regard to server and desktop troubleshooting, database management, reporting and all other training and support as needed.
Triage and respond to infrastructure monitoring and alerts, with focus on security and remediation of known vulnerabilities.
Create and maintain documentation related to procedures, architecture and operations.
Develop an understanding and working knowledge of the credit union history, philosophy, organization, bylaws, policies, procedures and appropriate software systems. Perform all other job-related duties as assigned.

Performance Measurements

Job Knowledge – The depth and breadth of know-how to perform essential duties and functions of the job. The level of compliance with degree, certification, and training requirements. Understanding of how individual job performance furthers organizational objectives. Willingness to update and expand skills, knowledge, and training.
Problem Solving – The ability to predict, recognize, and define problems. Skill in generating, selecting, and implementing timely and meaningful solutions.
Analytical Skills – The ability to observe, evaluate, summarize, and apply meaningful data in the problem-solving process. The level of logical reasoning necessary to connect required actions to desired outcomes. The ability to forecast events based upon current situations. Demonstrated skill in generating alternative solutions to problems.
Initiative – The ability to perform job responsibilities independently and responsibly. The ability to proactively complete tasks, solve problems, improve processes, enhance products, and/or extend services within assigned range of authority.
Teamwork & Cooperation – The degree to which individuals promote a collaborative, cooperative, and productive working environment. The level of demonstrated sensitivity, team building, support, and respect. The degree of synergy promoted.

Knowledge and Skills

Experience: One year to three years of similar or related experience.
Education: (1) A two-year college degree, or (2) completion of a specialized certification or licensing, or (3) completion of specialized training courses conducted by vendors, or (4) job-specific skills acquired through an apprenticeship program.
Interpersonal Skills: Work involves extensive personal contact with others and is of a personal or sensitive nature. Motivating, influencing, and/or training others is key at this level. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas or services to others.

Visit the credit union’s Careers webpage for more information or to apply.

EOE

director of lending, trailnorth (ticonderoga, ny) federal credit union (1/20)

TrailNorth Federal Credit Union is a $156 million multi-branch credit union headquartered in Ticonderoga NY chartered to do business in Warren, Washington, Essex, Clinton and Franklin counties in New York as well as Addison county, Vermont. We’re dedicated to improving the lives of our members and helping them reach their goals. What is your passion? If you enjoy serving others and want to be rewarded for your ability to think creatively, find solutions, exercise initiative, and do your best individually and on our team, then contact us to discuss continuing your career with TFCU!

TrailNorth Federal Credit Union has an exciting opportunity for an experienced Director of Lending to join our senior leadership team. Reporting to the CEO, this individual will be responsible for ensuring the overall success of the credit union through all aspects of lending: including mortgage, consumer, commercial, product development, and lending support. The ideal candidate will provide strategic direction and leadership to their areas of responsibility, while adhering to legal and regulatory requirements. This talented executive must exhibit exceptional leadership ability, creativity and possess strong analytical and critical thinking skills. A college degree and minimum of five years in a senior management role with experience in mortgage and consumer lending are required. This is an onsite role.

In return, you will be rewarded with:

Opportunity to excel, grow and contribute;
Competitive salary including incentive bonus eligibility;
Medical, Vision, Dental, Life & Disability Insurance;
Flexible spending account;
401(k) Plan including generous employer matching contribution;
Employee Assistance Program;
Wellness Benefits up to $500.00 per year; and
Paid Time Off.

Learn more about TFCU here https://www.trailnorth.com/about. To apply, email a cover letter and resume to President / CEO Shawn Hayes, at shayes(at)tfcunow.com.

EOE

VP member solutions, heritage family credit union (1/20)

Summary: The VP of Member Solutions leads the Member Solutions Department, in accordance with NCUA and credit union policies and procedures. The position guides and manages the daily operational efforts of member solutions to provide world class member service. Ensures established policies and procedures are followed; trains, directs, and supervises member solutions staff. Coach’s employees in offering services appropriate to member needs while keeping overall delinquency within goals. Ensures that members are served promptly and professionally. Perform a broad variety of portfolio and investor mortgage duties and work with staff and investors in managing the credit unions special assets. May assist with foreclosures, REOs, short-sales, hardship modifications and extensions, credit reporting, loans on deceased accounts, investor mortgage compliance areas and outside collection agencies. Responsible for department reporting and systems.

Essential Functions and Basic Responsibilities

Evaluate the job performance of assigned staff regularly to ensure quality of work and service to members. Responsible for the effective and efficient performance of business operations. Maintain a highly motivated, well-trained staff, maintaining effective employee relations. Supervise work scheduling and workflow in Member Solutions.
Collects and maintains industry data, researches industry specific information from outside sources, including conversations with the borrowers, industry publications, credit agencies, etc. Presents compiled data and recommends enhancements.
Responsible for reviewing vendor contracts and services that impact the member solutions department. Present any recommendations to SVP.
Build relationships with other departments as the team’s work coincides with other areas. Provide ongoing training and support to credit union employees, internally for cross-training and coverage and credit union wide as necessary to ensure compliance with investor regulations/guidelines and collection law.
Assist SVP with budget and delinquency goals. Manage monthly reporting for management and board.
Oversee the foreclosure process on real estate as well as repossession of collateral. Assist the business team with foreclosures and repossessions. Work closely with AVP Member Solutions – Mortgage Specialist to ensure all investor collection and foreclosure is being handled timely and properly.
On an annual basis attend training and conferences to stay current on all collection education and industry trends. Utilize what is learned in decisions for the department and recommendations for enhancements.
Work closely with local attorneys and real estate agents to ensure the adequate amount of support is available for the team.
Adhere to NCUA regulations and Collection laws. Write/update credit union policies and procedures relating to collections.
Attend training sessions (CUPATs) and complete required training in a timely manner. Attend and participate in other group or company meetings as required. Have a good understanding of products and services that the credit union offers to their members.
Maintain a clean and well-organized work area as well as contribute to the overall cleanliness of the HFCU properties.
Perform other duties as assigned by management. Assist other staff within the credit union as needed.

Job Competencies / Requirements

Conscientious, comfortable with detail, and the ability to multi-task to coordinate and prioritize the workday efficiently. Comfortable working under pressure, self-motivated and able to work in a team environment. Ability to work cooperatively with others to identify, recommend and implement opportunities for increased efficiency.
Strong interpersonal, leadership, and supervisory skills. Good writing and verbal communication skills and ability to prepare organized and well written documents. Excellent phone skills/etiquette and the ability to communicate clearly and effectively in person and over the phone. Communications can involve motivating, influencing, educating and/or advising others on matters of significance.
Broad knowledge of collection law, with the ability to assimilate NCUA regulations and the credit union policies and procedures.
Strong analytical skills and the ability to make sound judgments.
Conducts self in a professional manner in the office as well as in the community. Dresses professionally abiding by HFCU policies as a VP representing the organization as a whole.
Handle all information/documents in a confidential and secure manner. Be aware of surroundings when working with member files and when speaking with members, both in person and over the phone, when discussing or gathering personal and confidential information.

Education / Knowledge and Experience:

Bachelor’s Degree with one to three years similar or related experience, or three years’ experience servicing or managing within a financial institution
Strong computer skills, and proficiency working with Microsoft Office products. Experience with financial institution software systems preferred.

Working Conditions / Environment:

This position requires sitting for long periods of time and working primarily at a workstation in an open office environment. Daily tasks include extensive use of a computer performing standard keyboard functions, requiring repeated motion, as well as extensive use of the phone. Work additional hours as necessary to accomplish objectives, goals and projects. Stretching breaks are recommended to avoid injury. Some light lifting and carrying of large paper files. Equipment is available and recommended for use of transporting large quantities of files to and from various locations.

Click here to apply for this position

EOE

AVP mortgage loan originator (rutland), heritage family credit union (12/2)

Summary: Committed to building relationships with borrowers, team members and community partners. Responsible for analyzing credit history and documentation related to the loan application, discussing member needs, recommending best products, assisting member to complete the real estate loan package and working with team throughout the loan process. Convey policies for extension of credit in accordance with Credit Union and secondary investor guidelines. Meet scheduling and documentation requirements, and production expectations as determined by management. Ideal candidate will successfully communicate the credit union difference, the mortgage process and set realistic expectations for members throughout the process. Approve or deny loan applications based on analysis of applicant loan documentation. Operate under moderate credit authority. Promote other credit union products and services.

Essential Functions and Basic Responsibilities

Assume responsibility for establishing and maintaining effective and professional business relations with members, realtors, attorneys and building professionals.
Develop strategies to build loan pipeline through member interactions, seminars, building relationships with community partners (realtors, contractors, attorneys and other institutions). Attend community events and functions in assigned territories.
Assume responsibility for the effective and professional completion of assigned loan origination functions.
Interview loan applicants and assist members with the loan application process. Take applications and process preliminary documentation on loan requests. Discuss loan options, credit criteria, interest rates, and loan documentation in such a manner as to elicit positive responses from members. Maintain clear and frequent communication with all essential parties throughout the loan process.
Determine members financing objectives and goals. Conduct the loan interview and secure the member information necessary to initiate a loan transaction. Provide loan information and service to members, realtors, and others as needed. Prepare necessary loan documents and perform loan closings. Clear knowledge and understanding of TRID laws and regulations.
Review loan application and all documentation provided, verify assets and liabilities, estimate monthly payments for any outstanding debts not listed on credit bureau and add them to debts on application.
Evaluate and analyze credit bureau reports for all applicants. Embrace best practices for product recommendations and referrals.
Professionally cross sell Credit Union products and services.
Approve or deny real-estate loan applications, and council members whose loan requests were denied, explaining reasons and alternatives.
Ensure that each real-estate loan is processed accurately and within regulatory compliance.
Review loan application and document packet for closing.
Review title searches, legal work, and appraisals and relay pertinent information.
Monitor delinquent real-estate loans, and take action as necessary.
Establish and monitor control procedures for first-mortgage loan portfolio.
Ensure that the credit union achieves assigned loan production goals, with an emphasis on real estate lending growth.
Excellent product knowledge in all areas in order to effectively cross-sell all credit union marketed products including member service-related products and services.
Maintain contacts and good working relationships with real estate brokers, attorneys, and builders to assure a favorable image of the organization and to provide information regarding current loan policies and procedures.
Attend all required training sessions (regulatory, investor, CUPATs) and complete required training in a timely manner. Attend and participate in other group or company meetings as required.
Maintain a clean and well-organized work area and contribute to the overall cleanliness of the HFCU properties.
Act as manager on duty when directed.
Perform miscellaneous requests, respond to email and phone inquiries, file, fax and mail information.
Assist and back-up other staff as needed.

Job Competencies / Requirements

Applicants are required to maintain their registration active, and current, with the National Mortgage Licensing System throughout their employment.
Knowledge of and ability to process loan records and to manage information and data, generate reports, and reconcile accounts accurately.
Ability to understand and analyze personal and business tax forms.
Handle all information/documents in a confidential and secure manner. Be aware of surroundings when working with member files and when speaking with members, both in person or over the phone, when discussing or gathering personal and confidential information.
Good organizational, communication and business writing skills to exhibit professionalism and deal effectively with internal and external contacts.
Conscientious, comfortable with detail, and the ability to be multi-task to coordinate and prioritize the workday efficiently. Comfortable working under pressure, self-motivated and able to work in a team environment.
Ability to understand and monitor compliance functions and responsibilities assigned within a credit union and the ability to stay current in the changing environment of regulation and compliance.
Ability to work cooperatively with others to identify, recommend and implement opportunities for increased efficiency.

Education / Knowledge and Experience:

A high school diploma or equivalent. Experience dealing with loan records and servicing within a financial institution preferred.

Good writing and verbal communication skills and ability to prepare written documents. Excellent phone skills/etiquette and the ability to communicate clearly and effectively over the phone.

Basic computer knowledge, proficient use of calculator, keyboard, and experience with Microsoft Office Products required. Experience with financial institution software systems preferred.

Working Conditions / Environment:

This position requires moderate travel between branches, to community events and to training opportunities. This position requires sitting for long periods of time and working primarily at a workstation or desk in an open office environment. Daily tasks include extensive use of a computer performing standard keyboard functions, requiring repeated motion, as well as extensive use of the phone. Stretching breaks are recommended to avoid injury. Some light lifting and carrying of large paper files. Equipment is available and recommended for use of transporting large quantities of files to and from various locations.

Click here to apply for this position

EOE

AVP branch manager (hooksett, NH), heritage family credit union (12/2)

Summary: This is a retail management position that guides and manages the operational efforts and services of the branch to provide a consistent world class experience to credit union members, coworkers, and community partners with each interaction. Ensures established policies and procedures are followed and that members are served promptly and professionally. Trains, directs, and supervises branch employees in branch operations including transacting with a high degree of accuracy, cross-selling products and offering services appropriate to member needs to meet branch production and growth goals, and are representing the credit union in a friendly, courteous, and professional manner.

Essential Functions and Basic Responsibilities

Maintain a highly motivated, well-trained branch and effective employee relations.
Evaluate the job performance of assigned staff regularly to ensure quality of work and service to members.
Ensure branch safety and security. Open and close the building in accordance with set hours. Analyze and monitor security and safety policies and procedures on an on-going basis. Ensure employees are aware and alert at all times.
Responsible for establishing and maintaining effective and professional business relations with members and that members are greeted and welcomed to the credit union in a friendly, professional and timely manner.
Responsible for the effective and efficient performance of branch operations which include prompt, accurate, and efficient member service as well as implementing the provision of services in accordance with credit union policies and procedures established for branch operations.
Maintain policy compliance privacy of confidential information and other related legal and regulatory requirements which include BSA, CIP, and Reg CC requirements.
Maintain an up-to-date and comprehensive knowledge on all related policies and procedures, rules and regulations for the branch, including robbery procedures.
Always exhibit a courteous and professional attitude toward staff and members by showing enthusiasm and dedication.
Develop and maintain strong relationships with area businesses and members to bring in new business and foster continued growth of the branch.
Supervise effective work scheduling and workflow of branch operations accounting for peak schedules, absences or shortages.
Monitor branch activity including number of transactions, volume, teller errors, loan volume, teller and loan personal sales, and new accounts. Ensure a consistent, professional approach to branch operations.
Assume responsibility for maintaining proper cash controls. Ensure all branch transactions are balanced at the close of each day. Oversee individual accountability for the handling of cash and assist in resolving balancing or discrepancies as needed. Oversee TCR’s and servicing of Automatic Teller Machines both in-house and those located at off-site locations.
Respond and resolves member inquiries and requests regarding their accounts promptly and professionally representing the credit union in a friendly, courteous, and professional manner. Maintain an up-to-date and comprehensive knowledge on all credit union products and services.
Ensure branch employees have sufficient skills and knowledge to handle, explain, and process with accuracy and efficiency all deposit and loan products and account maintenance offered by the credit union.
Monitor key products and sales within branch to ensure profitable and sound business practices and a high quality of service for members. Coach employees regularly and review cross-selling activities. Review organizational and branch goals with staff.
Keep management informed of branch activities, progress toward established objectives, and of any significant problems. Request assistance when necessary.
Attend training sessions (CUPATs) and complete required training in a timely manner. Attend and participate in other group or company meetings as required.
Ensure proper maintenance and general housekeeping of the building, grounds, work and break areas, desks, and equipment is carried out to maintain a clean and well-organized environment, including snow and ice removal. Institute prudent safety measures.
Performs other duties or miscellaneous requests as required or assigned and assist other departments as needed, respond to email and phone inquiries, file, fax and mail information. Assume responsibility for related functions as required or assigned.

Job Competencies / Requirements

A significant level of trust and diplomacy is required to be an effective subject matter expert in the position. In-depth dialogues, conversations and explanations with members, direct and indirect reports, and outside vendors of a sensitive and/or highly confidential nature is a normal part of the day-to-day experience. Communications can involve motivating, influencing, educating and/or advising others on matters of significance.

Handle all information/documents in a confidential and secure manner. Be aware of surroundings when working with member files and when speaking with members, both in person or over the phone, when discussing or gathering personal and confidential information.
Ability to balance workload efficiently keeping a member service focus in a busy office environment.
Demonstrates a high level of organizational, communication and business writing skills to exhibit professionalism and deal effectively with internal and external contacts.
Extremely conscientious, excellent with detail, and has ability to be multi-tasked to coordinate and prioritize the workday efficiently while maintaining a consistent level of high-quality work. Comfortable working under pressure, self-motivated and able to work in a team environment.
Ability to understand and monitor compliance functions and responsibilities assigned within a credit union and the ability to stay current in the changing environment of compliance.
Ability to work cooperatively with others to identify, recommend and implement opportunities for increased efficiency.

Education / Knowledge and Experience:

Associates Degree with two to five years similar or related experience, or five plus years experience servicing and managing within a financial institution preferred. Experience in a member service role with consumer loan experience is preferred. Sales and sales coaching a plus. Strong interpersonal, leadership, and supervisory skills. Excellent writing and verbal communication skills and ability to prepare organized and well written documents. Excellent phone skills/etiquette and the ability to communicate clearly and effectively in person and over the phone and through electronic channels.Computer literate, proficient use of calculator, keyboard, and experience with Microsoft Office Products required. Experience with financial institution software systems preferred.

Working Conditions / Environment:

A typical office setting. This position requires sitting for long periods of time and working primarily at a workstation or desk in an open office environment. Daily tasks include extensive use of a computer performing standard keyboard functions, requiring repeated motion, as well as extensive use of the phone. Stretching breaks are recommended to avoid injury. Some lifting or moving of bags of coin 25+ lbs. in weight. Physical activity as required for cleaning and maintaining buildings including use of various cleaning products.

Click here to apply for this position

EOE

mortgage closer (Rutland), heritage family credit union (12/2)

Summary: The Mortgage Loan Closer (MLC) is responsible for all aspects of the closing and funding of residential mortgage and home equity applications in accordance with HFCU and investor policies and guidelines. The MLC is responsible for ensuring that all aspects of the closing and funding process are completed in a timely and accurate manner. In addition, the MLC will assist in rectifying any file errors post-closing in a timely manner to ensure clean loan files and sale-ability.

Essential Functions and Basic Responsibilities

Review each loan file sent to closing to ensure that all conditions have been met and are documented in the file.
Communicate and coordinate with the Settlement Agents and borrowers the timely scheduling of the loan closing.
Verify accuracy and consistency of the specifications of loan documents, including title documents, insurance forms, payoffs, escrows, and any other necessary documentation required for the loan file.
Respond to and process requests and inquiries from the Mortgage Lenders, Mortgage Processors, Settlement Agents, Realtors, and Borrowers.
Prepare and review the loan documents required for the closing and forward the closing package to the appropriate Settlement Agent.
Prepare and provide the Closing Disclosure to the borrower(s) no less than 4 business days prior to the closing and ensure that it is signed by all necessary parties in the correct time frame.
Ensure the loan funding is completed in a timely and accurate manner, including sending funds to the Settlement Agent, disbursing funds for closing costs, issuing any payoffs, and forward the loan to Servicing.
Ensure that all documents are properly recorded and delivered to the appropriate parties.
Maintain a clean and well-organized work area as well as assist with the office kitchen cleaning duties and contribute to the overall cleanliness of the HFCU properties.
Perform miscellaneous requests, respond to email and phone inquiries, file, fax and mail information.

Job Competencies / Requirements

Ability to develop an effective understanding of secondary market underwriting guidelines as well as the requirements of Private Mortgage Insurance companies and company investors.
Knowledge of and ability to process loan records and to manage information and data, generate reports, and reconcile accounts accurately.
Maintain a working knowledge of federal and state mandated consumer disclosure requirements is essential (ie. Loan Estimates, Closing Disclosures and Mortgage Servicing Disclosure Statement).
Conscientious, comfortable with detail, and the ability to be multi-tasked in order to coordinate and prioritize the workday efficiently. Comfortable working under pressure, self-motivated and able to work in a team environment.
Ability to work in a fast-paced deadline-oriented environment and the ability to adapt to a fluctuating workflow, particularly during periods of high loan volumes.
Handle all information/documents in a confidential and secure manner. Be aware of surroundings when working with member files and when speaking with members, both in person or over the phone, when discussing or gathering personal and confidential information.
Good organizational, communication and business writing skills to exhibit professionalism and deal effectively with internal and external contacts.
Ability to understand and monitor compliance functions and responsibilities assigned to loan servicing within a credit union and the ability to stay current in the changing environment of compliance.
Ability to work cooperatively with others to identify, recommend and implement opportunities for increased efficiency in the Mortgage Department.

Education / Knowledge and Experience:

A minimum of high school diploma or equivalent. College degree preferred. Experience dealing with loan records or servicing within a financial institution preferred. Previous mortgage or legal experience is preferred. Good writing and verbal communication skills and ability to prepare written procedures. Excellent phone skills/etiquette and the ability to communicate clearly and effectively over the phone. Strong computer skills, and proficiency working with Microsoft Office Products. Experience with financial institution/mortgage software systems preferred. Familiarity with Finastra MortgageBot platform is a plus.

Working Conditions / Environment:
This position requires sitting for long periods of time utilizing a phone headset and working primarily at a workstation or desk in an open office environment. Daily tasks include extensive use of the phone and computer, performing standard keyboard functions, requiring repeated motion. Stretching breaks are recommended to avoid injury. Some light lifting and carrying of large paper files. Equipment is available and recommended for use of transporting large quantities of files to and from various locations.

Click here to apply for this position

EOE

call center representative (Rutland), heritage family credit union (12/2)

Summary: This is a full-time position with rotating Saturday hours, approximately 40 hours per week.

This is a service position that provides World Class Member Service to both credit union members and employees. Serves members promptly while representing the credit union in a friendly, courteous and professional manner. Performs a broad variety of transactional duties to serve members. Provide consumer loans including installment, Visa and overdraft line of credit. Duties also include cross-selling products and services appropriate to member needs. Answers questions regarding credit union services provided and performs a variety of account maintenance duties. The duties of this position are performed primarily over the phone.

This position has been identified as having the potential to work remotely after an initial training period.

Essential Functions and Basic Responsibilities

Answer incoming calls promptly and professionally to respond to and resolve inquiries and requests from members regarding their accounts while representing the credit union in a friendly and courteous manner.
Open new accounts, both personal and business, including share drafts, share certificates, debit cards, etc., and explain all services offered by the credit union; cross-selling to members those services of which the member may be using at other financial institutions or of which the member may benefit.

Perform other services such as wire transfers, travelers checks, disputes, etc., along with account maintenance. Help members complete paperwork in connection with any fraud against their account.
Interview loan applicants for consumer and credit card loans and enter the data into the core system. Pull credit reports, calculate ratios, add comments and make a recommendation. If within guidelines, approve the loan based on the loan rating or send to an authorized representative to be approved.

Offer and educate members regarding our debt cancellation, gap and mechanical repairs products. Verify vehicle loan information, fund disbursement, title registrations and automobile insurance. Book consumer loans to insure proper documents are completed, follow up on information required to complete the lending process and forward loan documents for review in a timely manner.

Attend training sessions (CUPATs) and complete required training in a timely manner. Attend and participate in other group or company meetings as required. Maintain a clean and well organized work area as well as assist with the overall cleanliness of the HFCU properties. Perform miscellaneous requests, respond to email and phone inquiries, file, fax and mail information.
Back up other FSRs. Assist the branch/department manager and other department staff as needed.

Job Competencies / Requirements

Excellent verbal communication skills required and the ability to utilize the phone and computer systems to effectively communicate and track member information and documents in a confidential and secure manner. Be aware of surroundings when working with member files and when speaking with members, both in person and over the phone, when discussing or gathering personal and confidential information. Good organizational, communication and business writing skills to exhibit professionalism and deal effectively with internal and external contacts.

Conscientious, comfortable with detail and the ability to be multi-tasked to coordinate and prioritize the workday efficiently. Comfortable working under pressure, self-motivated and able to work in a team environment.

Ability to understand and monitor compliance functions and responsibilities assigned within a credit union and the ability to stay current in the changing environment of compliance. Ability to work cooperatively with others to identify, recommend and implement opportunities for increased efficiency.

Education/Knowledge and Experience
A high school diploma or equivalent. Previous call center experience desired. Experience servicing within a financial institution preferred; previous teller experience a plus. Good writing and verbal communication skills and the ability to prepare written documents. Excellent phone skills/etiquette and the ability to communicate clearly and effectively over the phone. Basic computer knowledge, proficient use of a calculator, keyboard and experience with Microsoft Office products required. Experience with financial institution software systems preferred.

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EOE