Job DescriptionJob DescriptionWhy Join Apple?
At Apple Federal Credit Union, we’re more than a financial institution; we’re a community-focused organization powered by passionate people. With 24 branches across Northern Virginia and a proud legacy of service, we’re committed to improving the lives of our members and the communities we serve.We believe our employees are our greatest asset. That’s why we foster a supportive workplace culture that values inclusiveness, innovation and growth. Whether you’re just starting out or advancing your career, you’ll find opportunities for professional development, mentorship and meaningful impact.Why Work at Apple FCURecognized as a USA Top Workplace (2025) and Top Workplace by The Washington Post (2024)Collaborative, welcoming environment with forward-thinking leadershipCompetitive, comprehensive benefits package, including:Medical, dental and vision coverage401(k) with employer matchPaid time off and 11 paid federal holidaysPaid volunteer time to give backTuition reimbursement and ongoing training opportunitiesAnnual TEAM BonusJob Summary:Under general supervision, but following established policies and procedures, is responsible for originating and processing fixed rate, conforming and nonconforming mortgage loan applications. Performs related file maintenance. Coordinates processing, closing and disbursement of mortgage loans. Works closely with Branch Staff, Mortgage Processor/Underwriter, Mortgage Servicer, Home Equity Processor/Underwriter, and Credit Committee. Performs duties and responsibilities in accordance with The Apple Way principles, of Team Up, Serve with Purpose, Challenge Yourself and Own It. Remains cognizant of and adheres to credit union policies and procedures, and regulations pertaining to the Bank Secrecy Act. Understands the goals set by management and assists in meeting those goals. Accepts and performs assignments varying in size and scope, as well as other duties assigned by Mortgage Processing Supervisor, Mortgage Lending Assistant Manager and/or Mortgage Lending Manager.Essential Functions & Responsibilities:Processes conforming/nonconforming mortgage applications for member(s). Processes mortgage applications that are originated by Apple FCU Mortgage Loan Originators, branch offices and/or MortgageBot (online application software). Processing activities include, but are not limited to: Verifying income, employment, assets, down payments, debts and property value. Calculation of debt and LTV ratios, reviewing mortgage credit report, property appraisal, condominium questionnaire and budget, flood certification, income, assets, funds due to close, earnest deposit clearing, private mortgage insurance, title commitments, surveys, termite inspections and all other required loan documentation. Resolves all title issues including but not limited to; vesting issues, liens, judgments, undisclosed liens and re-conveyances. Processes subordination agreements, resolves appraisal disputes/issues and ensures collateral meets requirements for product, investor and Apple F.C.U.’s guidelines. Ensures that all applications are complete, including preparation and issuance of required disclosures within compliance timelines. Submits loans through Freddie Mac Loan Prospector automated underwriting system. Orders private mortgage insurance, appraisal, HVE or AVM, final inspections, title commitment, flood certification and required documentation to process the mortgage loan. Maintains accurate data in the loan origination system at all times. Maintains tracking reports on each loan. Review of all mortgage loans on a weekly basis to ensure that each loan is processed in a timely manner.Assists Originators with consulting the member in person, email and over the phone to ensure the correct mortgage product is chosen and is in the best interest of the member and the Credit Union.Maintains a professional and courteous relationship with all members and vendors. Works with the AFCU C.U. Realty Originator, C.U. Realty Real Estate Agents, and any/or all C.U. Realty Representatives to ensure the timely processing of all C.U. Realty purchase loans.Preliminarily approves mortgage loans according to Freddie Mac Loan Prospector findings of “Accept”. Reviews and obtains all requirements on the Freddie Mac Loan Prospector finding report and checklist. Ensuring all requirements per the finding are met and the loan meets all requirements for the loan product per Freddie Mac, Private Mortgage Insurance Company, Apple FCU and the NCUA guidelines and/or regulations. Preliminary approval of mortgage loans includes review of but not limited to: calculation of debt and LTV ratios, reviewing mortgage credit report, property appraisal, condominium questionnaire and budget, flood certification, income, asset, private mortgage insurance, title commitments, surveys, termite inspections and all other required loan documentation.Prepares files for submission to the Mortgage Underwriter for preliminary/final approval. Obtains all conditions from Member(s), Realtor, Title Company, Attorney, Private Mortgage Insurance Company or other source.Coordinates and prepares pre-closing documentation. Working with realtors, title companies and/or attorneys in conjunction with the closing process and documents. Performs all loan file maintenance. Assists the Mortgage Servicing Specialist with servicing file set up (as needed).Assists and/or provides back up for the Equity Loan Processor when needed. Completes required information on mortgage loan control sheet and submits completed package to Credit Committee (if applicable).Helps train staff members with mortgage loan origination, processing and answers general questions with regard to mortgage loans. Reviews mortgage loan policies and procedures on an ongoing basis and recommends improvements to management.Knowledge and Skills:Experience: Minimum three years mortgage processing experience. Previous credit training required. Knowledge of mortgage loan products and features required. Education: HS degree or equivalent. Obtain and maintain a valid license number through the NMLS as required by the SAFE Act. Interpersonal Skills: Excellent interpersonal skills. Other Skills: Analytical ability to conduct preliminary analysis of an applicant’s financial condition. Excellent analytical skills and attention to detail. Excellent written and telephone skills. P.C. proficient including: MS Windows, MS Office Suite (Word, Excel), and mortgage LOS software. Physical Requirements: Ability to use standard office equipment, including, but not limited to: PC, fax, copier, telephone, postage machine, etc. Work Environment: Ability to function in a financial institution environment.
Apple Federal Credit Union values, encourages, and implements diversity in the workplace.As an equal opportunity employer, Apple Federal Credit Union does not discriminate in employment with regard to race, color, religion, national origin, citizenship status, ancestry, age, sex (including sexual harassment), sexual orientation, marital status, physical or mental disability, military status or unfavorable discharge from military service or any other characteristic protected by law.All selected candidates will be subject to credit and background checks to determine employment eligibility.
Job DescriptionJob DescriptionWhy Join Apple?At Apple Federal Credit Union, we’re more than a financial institution; we’re a community-focused organization powered by passionate people. With 24 branches across Northern Virginia and a proud legacy of service, we’re committed to improving the lives of our members and the communities we serve.We believe our employees are our greatest asset. That’s why we foster a supportive workplace culture that values inclusiveness, innovation and growth. Whether you’re just starting out or advancing your career, you’ll find opportunities for professional development, mentorship and meaningful impact.Why Work at Apple FCURecognized as a USA Top Workplace (2025) and Top Workplace by The Washington Post (2024)Collaborative, welcoming environment with forward-thinking leadershipCompetitive, comprehensive benefits package, including:Medical, dental and vision coverage401(k) with employer matchPaid time off and 11 paid federal holidays Paid volunteer time to give backTuition reimbursement and ongoing training opportunitiesAnnual TEAM Bonus planPosition Summary:As a Member Services Representative I at Apple Federal Credit Union, you will be the face of our organization, providing exceptional service to our members. Your responsibilities include processing transactions, assisting with account inquiries, and promoting our products. You’ll play a vital role in maintaining positive member relationships and ensuring compliance with credit union policies.Responsibilities:Member Engagement:Represent the credit union to members with courtesy and professionalism, whether in person, by mail, or over the telephone.Efficiently process transactions, including deposits, withdrawals, and account transfers.Balance checks and cash accurately, ensuring compliance with daily cash received vouchers.Loan and Account Services:Receive loan payments, checks, and cash for deposit into members’ savings and checking accounts.Verify amounts and examine checks for proper endorsement and negotiability.Input transaction information into our computer system via PC.Respond to member correspondence regarding account transactions.Information and Outreach:Provide basic account information on loans and share products to members as needed.Under the guidance of branch management, contact members regarding deposit accounts, loan applications, and other relevant products.Record member activity in the Synapsys MRM system.Service Excellence:Embrace the “Pillars of Member Service” by consistently delivering friendly and professional interactions to both internal and external members.Stay informed about all Apple FCU products, services, policies, and procedures.Complete internal training requirements promptly.Sales and Compliance:Identify cross-selling opportunities based on Synapsys recommendations and refer members accordingly.Process member requests for share withdrawals.Adhere to Apple FCU Security Policy, CTR (Currency Transaction Report) and SAR (Suspicious Activity Report) reporting, and negotiable items procedures.Refer any questionable transactions to your immediate supervisor.Qualifications-all required unless otherwise noted:At least 12 months of experience in a financial institution or cash handling role.High school diploma or equivalent (GED).Strong interpersonal skills and a commitment to exceptional member/customer service.Effective oral and written communication abilities.Willingness to learn and promote credit union products.Proficiency with basic math and attention to detail.Ability to navigate PC-based systems.Comfort working in a financial institution environment.Employment Type: Part-TimeLocation: 9701 Main Street, Fairfax, VA 22031***Apple Federal Credit Union values, encourages, and implements diversity in the workplace.As an equal opportunity employer, Apple Federal Credit Union does not discriminate in employment with regard to race, color, religion, national origin, citizenship status, ancestry, age, sex (including sexual harassment), sexual orientation, marital status, physical or mental disability, military status or unfavorable discharge from military service or any other characteristic protected by law.All selected candidates will be subject to credit and background checks to determine employment eligibility.***
Job DescriptionJob DescriptionWhy Join Apple?At Apple Federal Credit Union, we’re more than a financial institution; we’re a community-focused organization powered by passionate people. With 24 branches across Northern Virginia and a proud legacy of service, we’re committed to improving the lives of our members and the communities we serve.We believe our employees are our greatest asset. That’s why we foster a supportive workplace culture that values inclusiveness, innovation and growth. Whether you’re just starting out or advancing your career, you’ll find opportunities for professional development, mentorship and meaningful impact.Why Work at Apple FCURecognized as a USA Top Workplace (2025) and Top Workplace by The Washington Post (2024)Collaborative, welcoming environment with forward-thinking leadershipCompetitive, comprehensive benefits package, including: Medical, dental and vision coverage 401(k) with employer match Paid time off and 11 paid federal holidays Paid volunteer time to give back Tuition reimbursement and ongoing training opportunities Knowledge and Skills:ExperienceIdentifies and evaluates Members needs for financial services, assess the objectives and goals of the individual, then develops an investment strategy to implement.Analyzes client financial information (including assets, income, debts and other liabilities, cash flow, and tax status), investment objectives and goals and determining which financial products best meet individual members’ needs and financial circumstances. This includes comparing and evaluating possible investment options for individual clients, identifying investment strategies and potential investments based on market conditions and clients’ particular circumstances, and assessing the timing of investments by analyzing market conditions to determine the optimum times to conduct securities transactions for clients.Call members from the large transaction report, monthly CD maturing report, or any additional reports provided by the VP, Apple Financial Services to schedule appointments with members.Collects (either in person, video conference, or by telephone) client financial information (including assets, income, debts and other liabilities, cash flow, and tax status), investment objectives and goals.Advises members regarding the advantages and disadvantages of different financial products.Services and performs periodic reviews of existing client accounts and meets with clients periodically to review and update client needs ensuring investment objectives and goals are progressing according to plan. Meetings to take place either monthly, quarterly and/or yearly depending on client needs established by Financial Advisor.Stays current and analyzes market conditions and otherwise educating and updating themselves about financial and investment vehicles in the market and the tax and securities consequences to clients of investments. Attends training and/or completing required continuing education and keeps current on investment products and services offered. Meets monthly with VP of Apple Financial Services LLC.Drives investment and program integration initiatives with credit union (including branch employee training). Provides regular feedback to the branch employees. Work with Branch Managers to identify and leverage cross-sell opportunities.Supports all product and campaign launches. Markets, services, and promote CFS’ financial services and products, including prospecting new clients through marketing, call outs, etc., and scheduling appointments.Remains visible to the appropriate segments of the public in order to meet and to retain potential new clients for CFS, including conducting client workshops/seminars on various topics (i.e. Social Security, Education planning, Retirement planning, etc.)Brings about the purchase or sale of financial product including executing the actual transactions that result from their financial advice. Follows through on the sales goals set forth by the Investment Program. Meets activity and production goals as outlined in Business Plan.Develops/updates business plan with VP, Apple Financial Services LLC.Identifies and develops relationships with Wholesalers.Follows the rules and regulations set forth by the credit union, FINRA, SEC and the broker/dealer.Represents the firm and assigned financial institution in relationships with clients, industry organizations, regulatory bodies, and other key outside parties. Work branch hours – 8:45 AM – 5:00 PM, Monday through Friday. Keep a consistent schedule at designated branches.Supports Company Mission and Corporate Values.Remains cognizant of and adheres to credit union policies and procedures, and regulations pertaining to the Bank Secrecy Act. Complies with CFS policies and procedures, Rules and regulations set forth by FINRA and the SEC.Perform other related Management and/or financial duties as assigned by the Vice President of Apple Services.
EducationBachelor's degree in finance, business, economics, or related field (preferred).Relevant certifications such as CFP, CWS, ChFC, or CFA are a plus.Proven experience in financial planning, investment advisory, or related roles.Licenses and Registrations: FINRA Series 7, 63/65 (or 66) licenses along with Life, Accident & Health licenses required.Clean U-4 and Background
Interpersonal SkillsMust possess excellent people skills. Other SkillsAbility to multi-task.
Excellent oral and written communication skills is required.
Excellent analytical and problem-solving skills.
Ability to manage multiple tasks and provide courteous and timely member service.
PC proficient, including MS Office Suite.
Excellent attention to detail and written and verbal communication skills.
*** Apple Federal Credit Union values, encourages, and implements diversity in the workplace.As an equal opportunity employer, Apple Federal Credit Union does not discriminate in employment with regard to race, color, religion, national origin, citizenship status, ancestry, age, sex (including sexual harassment), sexual orientation, marital status, physical or mental disability, military status or unfavorable discharge from military service or any other characteristic protected by law.***All selected candidates will be subject to credit and background checks to determine employment eligibility. ***
Job DescriptionJob DescriptionWhy Join Apple?At Apple Federal Credit Union, we’re more than a financial institution; we’re a community-focused organization powered by passionate people. With 24 branches across Northern Virginia and a proud legacy of service, we’re committed to improving the lives of our members and the communities we serve.We believe our employees are our greatest asset. That’s why we foster a supportive workplace culture that values inclusiveness, innovation and growth. Whether you’re just starting out or advancing your career, you’ll find opportunities for professional development, mentorship and meaningful impact.Why Work at Apple FCURecognized as a USA Top Workplace (2025) and Top Workplace by The Washington Post (2024) Collaborative, welcoming environment with forward-thinking leadershipCompetitive, comprehensive benefits package, including:Medical, dental and vision coverage401(k) with employer matchPaid time off and 11 paid federal holidaysPaid volunteer time to give backTuition reimbursement and ongoing training opportunitiesAnnual TEAM Bonus planRole:Under the Director of Marketing & Communications' supervision, using independent thought, but following established policies and procedures, performs a variety of duties as required to provide assistance and administrative support to the Marketing Department. Remains cognizant of and adheres to credit union policies and procedures, and regulations pertaining to the Bank Secrecy Act. Adheres to the Apple Way principles of: Team Up, Own It, Challenge Yourself and Serve with Purpose. Performs other duties as assigned by the Marketing Management team.Essential Functions & Responsibilities:Manages, tracks and posts promotion incentives for members, including member referral program in the required timeframe for compliance, and maintains record-keeping of electronic submissions for incentive payouts. Serves as primary liaison for all frontline staff and member related inquiries. Oversees and manages Service Events submitted by member-facing staff, thereby assisting internal stakeholders with Marketing campaigns. Performs post-production printing, distribution and fulfillment of all marketing collateral materials, including promotional giveaways. Independently responds to user-generated questions received on AppleFCU.org via rating and review platform within a timely fashion.Coordinates community outreach events for Marketing Department as well as Retail Delivery and Community Engagement. Includes but is not limited to Shred events, School Supply/Food Drive, etc.Plans, coordinates and implements organization’s marketing campaign launches, to include meeting coordination, training (PowerPoint presentation and room set-up), campaign kick-off and expense tracking. Prepares quarterly marketing campaign reports and recaps.Assist with oversight and maintenance of the Marketing AppleNet page. Analyzes marketing processes and procedures to identify and make recommendations to increase department efficiency.Analyzes marketing processes and procedures to identify and make recommendations to increase department efficiency.Knowledge and Skills:Experience: Minimum three (3) years relevant experience within the marketing/advertising field, preferable in the financial services industry. Proficiency in Microsoft Office suite and Adobe Creative Suite required. PowerPoint presentation preparation, writing and copy-editing skills with demonstrated expertise and creativity in the area of customer service.Education: BA/BS degree preferably in Marketing, Communications, or related area.Interpersonal Skills: Work involves personal interaction with others inside and/or outside the organization for the purpose of first-level conflict resolution of customer service issues, building relationships and soliciting cooperation. Discussions involve a high degree of confidentiality and discretion, requiring diplomacy and tact. Must possess excellent organizational, interpersonal communication and writing skills with the ability to work independently.Other Skills: Strong time management and ability to handle multiple priorities and deadlines simultaneously and effectively with a high degree of follow-through and attention to detail. Previous customer/member service experience preferred. Previous event planning experience helpful. Additional strengths include an innovative, creative, energetic personality.Physical Requirements: The ability to lift 25 lbs. and utilize standard office equipment including, but not limited to, PC, copier, phone, etc.Work Environment: Ability to function in a hybrid, financial institution environment. Local travel to promotional events or branches required.Apple Federal Credit Union values, encourages, and implements diversity in the workplace.As an equal opportunity employer, Apple Federal Credit Union does not discriminate in employment with regard to race, color, religion, national origin, citizenship status, ancestry, age, sex (including sexual harassment), sexual orientation, marital status, physical or mental disability, military status or unfavorable discharge from military service or any other characteristic protected by law.All selected candidates will be subject to credit and background checks to determine employment eligibility.
Job DescriptionJob DescriptionWhy Join Apple?At Apple FCU, we take pride in our strong community ties and our commitment to workplace diversity. Our employees are at the heart of our success, and we actively support their professional development and career journeys. As part of our comprehensive benefits package, we offer: health; vision; dental; 401(k) contribution match; tuition reimbursement; guaranteed 11 federal holidays; paid time off; paid volunteer time; TEAM Bonus plan and much more.Additional Workplace Highlights:Named Top Workplaces by the Washington Post 2024Named Top Workplace USA 2025Diverse, friendly work environment, progressive management staff24 branches in Northern Virginia with easy commuting distance
Role:Under general supervision, but following established policies and procedures, serves as a sales and service ambassador to Credit Union members and non-members through call efforts, including phone calls and emails pertaining to consumer loan applications. Acts as a 'trusted advisor' by offering Apple products and services that meet members' financial needs. Achieves and strives to exceed sales targets. Completes all necessary paperwork to set up new loans, products, and services including processing loan applications. Assists members with basic loan servicing requests. Makes recommendations for loan decisions. Answers questions concerning services provided by the Credit Union from members and staff. Must possess excellent interpersonal communication skills and the ability to represent the Credit Union in a courteous, professional manner. Ensures that members receive prompt and courteous service through a pleasurable and convenient application process in an omni-channel environment. Performs duties and responsibilities in accordance with The Apple Way principles, of Team Up, Serve with Purpose, Challenge Yourself and Own It. Remains cognizant of and adheres to Credit Union policies and procedures, and regulations pertaining to the Bank Secrecy Act including completing CTR reports when applicable, reporting suspicious activity via SAR when applicable and completing annual training. Perform other sales, service, and lending support-related duties as assigned by the Assistant Manager of MSC Lending Operations.Essential Functions & Responsibilities:Working as part of the Member Solutions Center, receives phone calls from members wanting to apply for a loan, or have questions regarding an existing loan.Acts as a trusted lending advisor and utilizes integrity with every sale and service in all interactions with members and potential members.Establishes and develops member relationships through an omni-channel environment and maintains the members' best interests. Qualifies member for appropriate products and services. Seeks to close sales of lending products and services that are beneficial to both the member and the Credit Union in accordance with sales expectations and goals. Achieves daily, weekly, monthly, and other contact and sales goals.Processes member loans by phone: Interviews and qualifies loan applicants, reviews credit bureau reports, prepares all loan documentation, and inputs information into computer. Explains all documentation and procedures accurately to our members. Follows-up with members as appropriate. Assists members with opening and closing accounts, including loan products, as well as notifying members of denied loan requests. While maintaining a positive member experience, focusing on overall member satisfaction and company reputation. Working with other lending support areas of the company, assists members with basic loan servicing questions and needs. Submitting helpdesk tickets, completing forms and paperwork, and advising members one servicing needs. Prepares analytical reports in MS Excel for management summarizing leads, applications, generated through the member contact activities. Effectively communicates results and concerns with supervisor through one-on-one meetings. Remains cognizant of any updates regarding lending and basic loan servicing knowledge. Attends Credit Union required lending trainings, in addition to MSC Lending Operations refreshers and trainings. Knowledge and Skills: Experience:Minimum two years financial institution and/or call center experience preferred. Previous lending, or member/customer service experience preferred. Previous sales experience strongly preferred. Education: High School diploma or equivalent (GED). Associates degree preferred.Interpersonal Skills: Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation. Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.Location: Fairfax, VASchedule: HybridShift: 9:30am-6:00pm- Rotating Saturdays*** Apple Federal Credit Union values, encourages, and implements diversity in the workplace. As an equal opportunity employer, Apple Federal Credit Union does not discriminate in employment with regard to race, color, religion, national origin, citizenship status, ancestry, age, sex (including sexual harassment), sexual orientation, marital status, physical or mental disability, military status or unfavorable discharge from military service or any other characteristic protected by law. All selected candidates will be subject to credit and background checks to determine employment eligibility. ***
Job DescriptionJob DescriptionWhy Join Apple?Apple FCU is deeply rooted in the community; we value and embrace workplace diversity. We believe our employees are our most valuable asset, so we are committed to providing professional development and assisting in career journeys. Apple FCU also offers a robust benefits package, including health; vision; dental; 401(k) contribution match; tuition reimbursement; guaranteed 11 federal holidays; paid time off; paid volunteer time; TEAM Bonus plan and much more.Additional workplace highlights:Named a USA Today Top Workplace in 2025Named a Top Workplace by The Washington Post in 2024Diverse, friendly work environment, progressive management staff24 branches in VirginiaJob Summary:Under general supervision, but following established policies and procedures, serves as a sales and service ambassador to Credit Union members and non-members through outbound call efforts, including phone calls and emails pertaining to consumer loan applications. Acts as a 'trusted advisor' by offering Apple products and services that meet members' financial needs. Achieves and strives to exceed sales targets. Completes all necessary paperwork to set up new loans, products, and services including processing loan applications. Makes recommendations for loan decisions. Answers questions concerning services provided by the Credit Union from members and staff. Must possess excellent interpersonal communication skills and the ability to represent the Credit Union in a courteous, professional manner. Ensures that members receive prompt and courteous service through a pleasurable and convenient application process. Performs duties and responsibilities in accordance with The Apple Way principles, of Team Up, Serve with Purpose, Challenge Yourself and Own It. Remains cognizant of and adheres to Credit Union policies and procedures, and regulations pertaining to the Bank Secrecy Act including completing CTR reports when applicable, reporting suspicious activity via SAR when applicable and completing annual training. Perform other sales, service, and lending support-related duties as assigned by the Manager of MSC Lending.
Essential Functions & Responsibilities:Makes outbound telephone calls to members, offering lending opportunities to benefit our membership. Acts as a trusted lending advisor and utilizes integrity with every sale and service in all interactions with members and potential members. Establishes and develops member relationships through outbound communications in an omni-channel environment and maintains the members' best interests. Qualifies member for appropriate products and services. Seeks to close sales of lending products and services that are beneficial to both the member and the Credit Union in accordance with sales expectations and goals. Achieves daily, weekly, monthly, and other contact and sales goals.Processes member loans by phone: Interviews and qualifies loan applicants, reviews credit bureau reports, prepares all loan documentation, and inputs information into the lending software system. Explains all documentation and procedures accurately to our members. Follows-up with members as appropriate. Assists members with opening and closing accounts, including loan products, as well as notifying members of denied loan requests. While maintaining a positive member experience, focusing on overall member satisfaction and company reputation.Tracks all call prospects in the Customer Relationship Management System to identify leads, patterns and sales cycles, consumer behavior, and sales generated and closed.Prepares analytical reports in MS Excel for management summarizing leads, applications, generated through all contact activities. Effectively communicates results and concerns with supervisor.Using Credit Union lead lists and tools to conduct a soft pull of members' credit report and analyzes the credit report for possible loan products to offer that would best fit their individual needs. Creates a list of members to call and offer the loan products that would be a benefit to members.Working in partnership with the Online Membership team, takes scheduled appointments by phone and by video to onboard new members who are interested in loan products with the Credit Union.
Knowledge and Skills:Experience: Minimum three to five years financial institution and/or call center experience required. Previous lending, and member/customer service experience required. Previous sales experience required.Education: High School diploma or equivalent (GED). Associates degree preferred.
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.
Hours: Monday-Friday 9:30am-6:00pmHybrid ScheduleFairfax, VA
This Job Description is not a complete statement of all duties and responsibilities comprising the position.
*** Apple Federal Credit Union values, encourages, and implements diversity in the workplace. As an equal opportunity employer, Apple Federal Credit Union does not discriminate in employment with regard to race, color, religion, national origin, citizenship status, ancestry, age, sex (including sexual harassment), sexual orientation, marital status, physical or mental disability, military status or unfavorable discharge from military service or any other characteristic protected by law. All selected candidates will be subject to credit and background checks to determine employment eligibility. ***
Job DescriptionJob DescriptionWhy Join Apple?Apple FCU is deeply rooted in the community; we value and embrace workplace diversity. We believe our employees are our most valuable asset, so we are committed to providing professional development and assisting in career journeys. Apple FCU also offers a robust benefits package, including health; vision; dental; 401(k) contribution match; tuition reimbursement; guaranteed 11 federal holidays; paid time off; paid volunteer time; TEAM Bonus plan and much more.Additional workplace highlights:Named a USA Today Top Workplace in 2025Named a Top Workplace by The Washington Post in 2024Diverse, friendly work environment, progressive management staff24 branches in Virginia
Position Overview:Apple FCU, a leading financial institution, is dedicated to improving the lives and fulfilling the dreams of our members by providing exceptional service and innovative financial solutions. We are seeking a highly motivated and detail-oriented Vice President of Strategy Implementation to join our team. This role is pivotal in driving our strategic goals and ensuring the successful execution of our business plans. The ideal candidate will possess strong analytical skills, excellent written and verbal communication abilities, and a collaborative mindset.Key Responsibilities:Exploratory Research: Conduct in-depth exploratory research for proposed strategic initiatives and share findings through comprehensive written research reports.Industry Analysis: Analyze the credit union industry and Apple's position within it. Identify opportunities that align with our strategic goals and generate innovative solutions inspired by ideas from outside our industry.Strategic Proposals: Develop detailed written strategic proposals that cite research, include financial analysis, and outline all risks and opportunities. Present these proposals to Executive Leadership through PowerPoint presentations.Strategic Planning: Collaborate with the Executive Leadership Team and the Board of Directors in the strategic planning process. This includes creating strategic plans, setting goals, and prioritizing business plans.Business Plan Administration: Serve as the primary administrator of the Business Plan and Business Plan Backlog. Plan and manage all Executive leadership strategy meetings.Annual Strategic Planning: Act as the primary contributor to the Annual Strategic Planning session. Assist in selecting session facilitators and outside experts and help with session agenda and follow-ups.Requirements:BA/BS degree with a Business Major plus a minimum of 7 years working in a high-impact role for a financial institution. An MBA or relevant Master’s Degree is preferred.Experience with strategic planning and financial analysis is preferred.Proven experience in strategic research and analysis.Excellent analytical and problem-solving skills with a strategic mindset.Effective interpersonal skills with the ability to influence and collaborate with stakeholders at all levels.Excellent verbal and written communication skills and the ability to conduct effective presentations.Familiarity with credit union terms, policies, procedures, and operations is preferred.Join us in shaping the future of our organization by driving strategic initiatives and ensuring their successful execution. Apply today to become a key player in our strategic planning team!
Apple Federal Credit Union values, encourages, and implements diversity in the workplace.As an equal opportunity employer, Apple Federal Credit Union does not discriminate in employment with regard to race, color, religion, national origin, citizenship status, ancestry, age, sex (including sexual harassment), sexual orientation, marital status, physical or mental disability, military status or unfavorable discharge from military service or any other characteristic protected by law.All selected candidates will be subject to credit and background checks to determine employment eligibility.
Job DescriptionJob DescriptionWhy Join Apple?Apple FCU is deeply rooted in the community; we value and embrace workplace diversity. We believe our employees are our most valuable asset, so we are committed to providing professional development and assisting in career journeys. Apple FCU also offers a robust benefits package, including health; vision; dental; 401(k) contribution match; tuition reimbursement; guaranteed 11 federal holidays; paid time off; paid volunteer time; TEAM Bonus plan and much more.Additional Workplace Highlights:Named Top Workplaces by the Washington Post 2024Named American Banker Best Credit Unions to Work For 2024Diverse, friendly work environment, progressive management staff25 branches in Northern Virginia with easy commuting distanceJob Summary:Under general supervision, but following established policies and procedures, promotes the credit union's commercial lending products and services in Apple's geographic market area. Responsible for processing loan applications, pre-screening credits, and obtaining appropriate documentation required in accordance with existing policies and procedures. Seeks prospects that match the risk profile of the organization and overall strategic goals, manage an existing portfolio of clients, and ensure annual reviews are processed in a timeline manner. Must have an entrepreneurial attitude and strong work ethic. Participate in the strategic planning and growth of the department, while following all business services policies and procedures. Performs duties and responsibilities in accordance with The Apple Way principles of Team Up, Serve with Purpose, Challenge Yourself and Own It. Remains cognizant of and adheres to credit union policies and procedures, and regulations pertaining to the Bank Secrecy Act. Performs other duties and as assigned by the VP of Commercial Services.Essential Functions & Responsibilities:The primary responsibility for this position will be to originate new commercial loans and deposits, while actively maintaining a loan portfolioPlan and prioritize weekly sales activities and contact prospective members towards achieving agreed annual business goalsActively manage a loan portfolio/territory according to an agreed market strategy and within Apple Business Services underwriting guidelines. Have a working knowledge of NCUA Part 723 Business Lending Regulations. Develop strategic relationships with COI’s, to include CPA’s, local associations, and partnersInterviews present and potential members applying for commercial loans and deposit accounts, by obtaining a strong understanding of their needs, desires and abilities and then recommending a solutionScreens potential applicants/members to determine eligibility for membership and business services. Runs reports on various databases to determine creditworthiness. Prepares and presents a narrative background of the borrower and guarantors to the credit underwriter to be incorporated in the credit memo. Obtains a complete information package for a business loan application and or deposit accountPre-qualifies and performs market and credit analysis on prospective relationships prior to submitting to underwriting. Analyzes applicant financial status, credit, and cash flow to determine the feasibility of granting the loan, as per Apple underwriting guidelinesAnalyzes and pre-screen’s potential lending opportunities involved in each lending situation to further assist the borrower as well as increase the credit union’s commercial loan portfolioAnalyzes and grades the financial risk to the credit union of all current and on-going commercial loans in the portfolio. Evaluates and recommends an action plan for each case. Help collect past due loans in your portfolio.Meets with member-borrowers as needed to develop and/or execute strategies for the resolution of adversely rated creditsFacilitates the sale of commercial services by establishing appointments with other business service staff in areas of expertise such as cash management or credit risk analysis. Learn Apple business services standard policies, practices and procedures and be familiar with a variety of the field’s concepts, practices, and procedures. Relies on experience and judgment to plan and accomplish goalsMaintains knowledge of competitor’s rates and terms and other trends relating to commercial lending. Help develop products, recommend rates and terms that reflect the marketplaceNegotiate terms established by Apple’s loan committee and follow the sales process from negotiation to close. Responsible for a complete credit and collateral fileMaintains complete credit and collateral files with up-to-date financial information with minimal policy exceptionsActively promotes the sale of all Apple’s products and services through cross-selling, including PBS; Apple’s business lending products and CUSO and Apple ServicesPlans and prepares presentations for public speaking to various economic development groups. Be involved in the Northern Virginia Community through civic activity, professional associations, and net-working events. Represent Apple FCU in business networking events in various capacities i.e. speaker, vendor-booths, judging business plans for local high schools etc.Maintains the highest ethics in originating and closing loans to prevent lender liability issuesReviews closing documentation for accuracy to ensure all loan conditions are being met prior to closingMonitors annual site inspections and draw requests prior to disbursementDiscusses late payments and deferment requests with Lenders to understand the nature and duration of the hardship
Knowledge and Skills:Experience: Minimum 8-10 years commercial lending experience working with small to medium size businesses. Experience in C&I and CRE Lending
Education: BA or BS degree in Communications, Government, Business Administration, or Public Relations or similar field.Interpersonal Skills: Excellent communication and presentation skills. Ability to interact effectively in group and individual situations at educational or credit union functions/events
Other Skills: Strong understanding of underwriting and structuring, loan documentation, and business depository accounts. Strong research and analytical skills. Excellent writing skills. PC proficient, including Microsoft Word, Excel and Power PointPhysical Requirements: Ability to lift 25 pounds, if necessary, and utilize standard office equipment including but not limited to: PC, fax, copier, telephone, postage machine, etc. Travel required
Work Environment: Ability to function in a financial institution environment
*** Apple Federal Credit Union values, encourages, and implements diversity in the workplace. As an equal opportunity employer, Apple Federal Credit Union does not discriminate in employment with regard to race, color, religion, national origin, citizenship status, ancestry, age, sex (including sexual harassment), sexual orientation, marital status, physical or mental disability, military status or unfavorable discharge from military service or any other characteristic protected by law. All selected candidates will be subject to credit and background checks to determine employment eligibility. ***
