Description:CIVIC CULTUREOur organizations believe we can all do well by doing good. We value the contributions of diverse minds and prioritize the success and well-being of our employees. We also believe every person in our organization plays a role in supporting a healthy environment and helping to achieve our goal of prosperity for all. To this end, we recruit bright, energetic, and talented people to be members of our team. In return, we offer a dynamic workplace that presents opportunities for professional advancement and individual growth. We strive to always display integrity, self-awareness, courage, and respect for one another while continuing to seek opportunities to learn. We really believe that when our employees succeed, our community wins.
ABOUT THE POSITIONLoss Mitigation Specialist is responsible for proactively managing delinquent accounts by contacting Credit Union members. This role involves identifying potential risks, working with members to resolve payment issues, providing repayment solutions, and implementing strategies to mitigate loan losses.
NORMAL DAY-TO-DAY WORKProvide early and late-stage delinquency management by monitoring loan accounts and identify members who are at risk of becoming delinquent.Proactively contact members via phone, email, or other communication methods to discuss their accounts and identify reasons for delinquencyWork with members to develop repayment plans, loan modifications, or other solutions to bring accounts current.Ensure a consultative member approach to restructuring loans as necessary, providing direction on improving the financial outlook of the member in the future.Accurately document all member interactions, payment agreements, and actions plans in the core collection system.Provide members with information on financial education resources and tools to help them manage their finances and avoid future delinquencies.Collaborate as necessary with other internal business units and resources to ensure a coordinated approach to loss prevention.Assist the AVP of Risk Assessment and Loss Mitigation with reviewing reports on delinquency trends, member interactions, and recovery efforts.Ensure all activities are in compliance with federal and state regulations, as well as Credit Union policies, guidelines, and procedures. Take ownership for actions, decisions, and results; openly accept feedback and demonstrate both the willingness and ability to improve.
JOB QUALIFICATIONSHere are a few skills you MUST have to be qualified for this position.
Minimum 4-6 years experience in consumer loan product collections, financial services or related field. Must have an understanding of accounting principles and business financial statements and tax returns.Must be knowledgeable in the process of analyzing personal tax returns, personal financial statements, and credit bureau reports.Experience with credit procedures, policies, regulations and laws, in addition to knowledge of bankruptcy and consumer law. Strong interpersonal skills with ability to work in a team environment.Ability to function in a Consumer business office environment and utilize standard office equipment including but not limited to: PC, copier, telephone, etc.Ability to lift a minimum of 25 lbs. (file boxes, computer).Travel required on occasion.
Here are a few qualities we'd LIKE for you to have to make you more suited for this position.Bachelor's degree in finance, Accounting, Economics, Business or related field required. Prefer a minimum of 2-4 years of Credit Union consumer credit experience.Knowledge of loan structuring and work-out solutions in desirable.
CONTACT USIf you have questions about this position description, please feel welcome to ask. You can reach our HR Department at: Civic Human Resources3600 Wake Forest Road, Raleigh, NC 27609
Requirements:
PI32058ede7ec0-2551
Description: CIVIC CULTUREOur organizations believe we can all do well by doing good. We value the contributions of diverse minds and prioritize the success and well-being of our employees. We also believe every person in our organization plays a role in supporting a healthy environment and helping to achieve our goal of prosperity for all. To this end, we recruit bright, energetic, and talented people to be members of our team. In return, we offer a dynamic workplace that presents opportunities for professional advancement and individual growth. We strive to always display integrity, self-awareness, courage, and respect for one another while continuing to seek opportunities to learn. We really believe that when our employees succeed, our community wins.
ABOUT THE POSITIONThe Cards Risk Specialist is responsible for monitoring, analyzing, and mitigating fraud, risk, and financial losses associated with debit and credit card transactions. This role involves utilizing data-driven insights, fraud detection tools, and industry best practices to ensure the security and integrity of debit card operations while enhancing the member experience. The Specialist will collaborate with internal teams, financial institutions, and law enforcement agencies to prevent fraud and improve risk management strategies.
NORMAL DAY-TO-DAY WORKMonitor debit card transactions for suspicious activities using fraud detection systems.Analyze patterns and trends in fraudulent transactions to develop proactive risk strategies in conjunction with management team and the Credit Union's Fraud/BSA teamInvestigate and respond to real-time fraud alerts and suspicious activity reports.Assess and analyze risk exposure related to debit card transactions.Generate and analyze reports on fraud trends, chargebacks, and losses.Identify key risk indicators and provide insights for decision-making.Present findings and recommendations to management and stakeholders.Ensure compliance with financial regulations and industry standards (e.g., PCI DSS, FFIEC).Stay updated on regulatory changes affecting debit card fraud and risk management.Work with compliance teams to ensure Cards fraud prevention efforts align with legal requirements.Work closely with Risk and Compliance teams, member service, and IT departments.Work with Learning and Development and various stakeholders to ensure training and awareness programs on debit card fraud risks and prevention are in line with the Credit Union's standards.Take ownership for actions, decisions, and results; openly accept feedback and demonstrate both the willingness and ability to improve.JOB QUALIFICATIONSHere are a few skills you MUST have to be qualified for this position.Minimum 4 - 6 years' experience in financial services, payments, card products, or supporting card operations initiatives, including 1-3 years experience in debit and/or credit card risk. Strong interpersonal communications skills.Must possess a strong service orientation.PC proficient including Microsoft Office (Word, Excel, PowerPoint, Access, Outlook) and the Internet.Ability to function in a Consumer business office environment and utilize standard office equipment including but not limited to: PC, copier, telephone, etc.Ability to lift a minimum of 25 lbs. (file boxes, computer).Travel required on occasion.Here are a few qualities we'd LIKE for you to have to make you more suited for this position.Bachelor's degree in Business, Operations, or related field position.Experience in member service or related field, card services is preferredKnowledge of financial products and services.If you have questions about this position description, please feel welcome to ask. You can reach our HR Department at:
Civic Human Resources3600 Wake Forest Road, Raleigh, NC 27609 Requirements:
PI902aef72d5-
Description:
ABOUT THE POSITIONLoss Mitigation Manager is responsible for operationally management of the Loss Mitigation Team and it's efforts to proactively manage delinquent accounts by contacting Credit Union members. This role involves identifying potential risks, working with internal team and members to resolve payment issues and escalated situations, providing advanced oversight of repayment solutions, and implementing strategies to mitigate loan losses.
NORMAL DAY-TO-DAY WORK Operationally manage early and late-stage delinquency management efforts by ensuring Loss Mitigation Team is monitoring loan accounts and identifying members who are at risk of becoming delinquent.Primary oversight of Loss Mitigation Workforce Management and Scheduling. Recommend strategic collection efforts and assist in operational implementation of strategy.Maintain oversight of overall collection efforts to ensure team goals and KPIs are met. Work with the Loss Mitigation team to approve escalated repayment plans and settlements. Strategically recommend loan modifications and workout plans for approval. Provide primary management escalation assistance to active and charged off accounts. Accurately document all member interactions, payment agreements, and actions plans in the core collection system. Provide members with information on financial education resources and tools to help them manage their finances and avoid future delinquencies. Foster a culture of cross-team collaboration and bench-strength within the Loss Mitigation Team, including functions of escalated collection actions and Default Management. Maintain and train knowledge of Default Management Team practices and procedures to best aid in cross-team communication. Be a primary resource for knowledge of elevated account actions, insurance claims, and collateral recovery efforts to best assist with membership communication pre and post charge off. Collaborate as necessary with other internal business units and resources to ensure a coordinated approach to loss prevention.Assist the AVP of Risk Assessment and Loss Mitigation with reviewing reports on delinquency trends, member interactions, and recovery efforts. Ensure all activities are in compliance with federal and state regulations, as well as Credit Union policies, guidelines, and procedures.
JOB QUALIFICATIONSHere are a few skills you MUST have to be qualified for this position.Minimum 4-6 years experience in consumer, commercial, and real estate collections or combination of experience and advanced education. Minimum 1-3 years of experience in a lead or leadership role in financial services. Must have an understanding of consumer credit reports, income statements, and credit principles. Must have an understanding of accounting principles and business financial statements and tax returns.Experience with credit procedures, policies, regulations and laws, in addition to knowledge of bankruptcy and consumer law. Strong interpersonal skills with ability to work in a team environment.Ability to function in a Consumer business office environment and utilize standard office equipment including but not limited to: PC, copier, telephone, etc.Ability to lift a minimum of 25 lbs. (file boxes, computer).Travel required on occasion.Here are a few qualities we'd LIKE for you to have to make you more suited for this position. Bachelors degree 1-3 years of experience in credit underwriting, portfolio evaluation, or administration. Prior escalated collections experience including repossession, foreclosure, and small claims management.
CIVIC CULTUREOur organizations believe we can all do well by doing good. We value the contributions of diverse minds and prioritize the success and well-being of our employees. We also believe every person in our organization plays a role in supporting a healthy environment and helping to achieve our goal of prosperity for all. To this end, we recruit bright, energetic, and talented people to be members of our team. In return, we offer a dynamic workplace that presents opportunities for professional advancement and individual growth. We strive to always display integrity, self-awareness, courage, and respect for one another while continuing to seek opportunities to learn. We really believe that when our employees succeed, our community wins. If you have questions about this position description, please feel welcome to ask. You can reach our HR Department at: Civic Human Resources3600 Wake Forest Road, Raleigh, NC 27609 Requirements:
PI005db50c5e9f-2514
Description: CIVIC CULTUREOur organizations believe we can all do well by doing good. We value the contributions of diverse minds and prioritize the success and well-being of our employees. We also believe every person in our organization plays a role in supporting a healthy environment and helping to achieve our goal of prosperity for all. To this end, we recruit bright, energetic, and talented people to be members of our team. In return, we offer a dynamic workplace that presents opportunities for professional advancement and individual growth. We strive to always display integrity, self-awareness, courage, and respect for one another while continuing to seek opportunities to learn. We really believe that when our employees succeed, our community wins.
ABOUT THE POSITIONThe Foreclosure Specialist supports and coordinates all foreclosure activities for Default Management in accordance with statutory compliance, regulatory compliance, and company guidelines. This includes all daily operational foreclosure activity relating to the foreclosure process and real estate collateral disposition process. This position will ensure all foreclosure activities are completed timely and accurately in accordance with work rules, goals, and objectives to improve timeline, attorney performance, and portfolio performance. All positions are expected to help foster a culture of team collaboration, accountability, operational excellence, and unwavering commitment to customer service and satisfaction.
NORMAL DAY-TO-DAY WORKCoordinates all accounts actively in foreclosure and all post-foreclosure property disposition. Actively reviews all open foreclosures to ensure portfolio performance and timely resolution. Acts as the primary contact for internal and external counsel on foreclosure-related matters. Actively analyzes guidance provided by internal and external counsel to best direct each active foreclosure. Corresponds with impacted membership regarding foreclosure, and redemption when applicable, while maintaining tactful communication and upholding company values. Coordinates all post-foreclosure accounting activity in relation to charge-off and REO GL maintenance. Provides recommendations for property rehabilitation and sale based on current cost-benefit analysis.Maintains oversight of REO properties to ensure Civic's interests are protected. This includes, but is not limited to, eviction, property maintenance, inspection, and security. Works with third-party vendors/contractors to coordinate all REO-based activities relating to property protection and repair.Coordinates all REO sale activities including listing, scheduling, and investor-based sales. Actively maintains relationships with internal teams and individuals to ensure support of accounts impacted by foreclosure. Stays current with pending regulatory and state law changes that could impact foreclosure processes. Utilizes reporting to support timely activities on all foreclosure cases.Manages day-to-day internal and external relationships establishing and monitoring service delivery/productivity/quality standards.Identifies opportunities for process improvement within the department and outside where applicable to minimize risk exposure.Follows departmental and organizational policies and procedures with strict adherence. Takes ownership for actions, decisions, and results; openly accept feedback and demonstrate both the willingness and ability to improve.JOB QUALIFICATIONSHere are a few skills you MUST have to be qualified for this position.Minimum of 1 - 3 years of experience in foreclosure management or managing/servicing non-performing loan accounts.Demonstrated knowledge and experience with the loss management life cycle and state and federal laws related to non-performing loans.Must have strong analytical and organizational skills. Experience developing and managing through policy.Excellent verbal, written, presentation and leadership skills. Must possess a strong service orientation. PC proficient including Microsoft Office (Word, Excel, PowerPoint, Access, Outlook) and the Internet.Ability to function in a Consumer business office environment and utilize standard office equipment including but not limited to: PC, copier, telephone, etc. Ability to lift a minimum of 25 lbs. (file boxes, computer).Travel required on occasion.Here are a few qualities we'd LIKE for you to have to make you more suited for this position. BA/BS in Accounting, Finance or Business Management preferred. Collection experience at a Credit Union or other financial institution.Experience or certification as a paralegal. CONTACT USIf you have questions about this position description, please feel welcome to ask. You can reach our HR Department at: Civic Human Resources3600 Wake Forest Road, Raleigh, NC 27609 Requirements:
PIa6ff782477b5-2589
Description: OUR CULTUREOur organization believes we can all do well by doing good. We value the contributions of diverse minds and prioritize the success and wellbeing of our employees. We also believe every person in our organization plays a role in supporting a healthy environment and helping to achieve our goal of prosperity for all. To this end, we recruit bright, energetic, and talented people to be members of our team. In return, we offer a dynamic workplace that presents opportunities for professional advancement and individual growth. We strive to always display integrity, self-awareness, courage, and respect for one another while continuing to seek opportunities to learn. We really believe that when our employees succeed, our community wins.
ABOUT THE POSITIONThe primary functions of this role are to communicate with members and potential members, drive brand awareness, build relationships internally and externally that result in member retention and growth, provide a world-class experience by clearly and effectively communicating products and services, and accurately handle all member related transactions. The Digital Branch Specialist is responsible for establishing a collaborative environment within the Member Experience Center that leverages technology to best discover and address member needs, products, and services.
NORMAL DAY-TO-DAY WORKPromptly respond to communication and inquiries from members and potential members via various communication channels (including but not limited to: phone, web chat, text message, and video conference.Assist with remote opening of deposit and loan accounts by ensuring all information is received timely and accurately processed.Identify, recommend, and cross-sell appropriate products and services to new, existing and potential members. Promote Credit Union products and services while delivering high quality service with accuracy.Explains loan programs to member, evaluates their needs and recommends loan options.Provide quality service to members, potential members and the community while achieving established qualitative and quantitative service level metrics.Complete member and loan applications and escalate to the lending department as necessary.Demonstrate continuous effort to improve operations, decrease turnaround times, streamline work processes, and work cooperatively within the team.Use tact and experience-based knowledge to resolve member issues and concerns by explaining policies and products while representing the Credit Union in a professional manner.Stay abreast of all member service policies and procedures, ensuring the quality as well as compliance on all member-facing interactions.Take ownership for actions, decisions, and results; openly accept feedback and demonstrate both the willingness and ability to improve.JOB QUALIFICATIONSHere are a few qualifications you MUST have to be qualified for this position.Minimum 1 - 3 years of member servicing experience, or have a Bachelor's degree in Business, Finance, Lending, or relevant area.Must be team oriented, results driven, and self-motivated.Must be able to manage multiple priorities and account sin fluid environment while maintaining accuracy in all details.Must be able to work onsite at Credit Union administrative headquarters.Must be able to work 8-hour shifts within core operating hours (8:00am - 6:00pm), as well as the occasional weekend and holiday.Ability to function in a Consumer business office environment and utilize standard office equipment including but not limited to: PC, copier, telephone, etc.Ability to lift a minimum of 25 lbs. (file boxes, computer printer).Travel required on occasion.Here are a few qualifications we'd LIKE for you to have.Four-year degree from an accredited college/university.Call center experience.Knowledge of financial products and services, mobile and on-line banking a plus.Experience using on-line banking services preferred.Must be comfortable using various technology platforms.Excellent verbal, written, telephone and interpersonal communication skills.
CONTACT USIf you have questions about this position description, please feel welcome to ask. You can reach HR at:Human Resources3600 Wake Forest Rd, Raleigh, NC 27609Requirements:
PIb7d19b943e9c-3968
Description:
OUR CULTUREOur organization believes we can all do well by doing good. We value the contributions of diverse minds and prioritize the success and wellbeing of our employees. We also believe every person in our organization plays a role in supporting a healthy environment and helping to achieve our goal of prosperity for all. To this end, we recruit bright, energetic, and talented people to be members of our team. In return, we offer a dynamic workplace that presents opportunities for professional advancement and individual growth. We strive to always display integrity, self-awareness, courage, and respect for one another while continuing to seek opportunities to learn. We really believe that when our employees succeed, our community wins.
ABOUT THE POSITIONThe Branch Manager will play a crucial leadership role in ensuring the success as well as reputation of the branch. This individual will manage, oversee, and ensure excellence of day-to-day branch operations, which include but are not limited to branch opening, closing, member service and experience, transaction processing, promotion of products and services, and ensuring general required service coverage of the location. On top of managing the daily activities, a successful individual in this role will place emphasis on continual improvement of operational efficiencies as well as service quality standards, putting the members' satisfaction at the core of everything we do. At the core, the Branch Manager will embody Civic's values, policies and vision while fostering an inclusive environment for both branch staff and members.
NORMAL DAY-TO-DAY WORKDemonstrates and leads a high level of member service awareness, continually strives to exceed members' expectations and ensures the maintenance of operational proficiencies in effort to develop lasting member impressions and relationships.Oversees branch growth and membership retention by coaching and leading well-informed advisors to discover member centric solutions.Communicates, transfers, and demonstrates product and service knowledge to advisors. Proactively identifies areas of knowledge improvement amongst branch staff.Coaches and manages team development to drive internal opportunities, foster teamwork, and career progression.Effectively recruits, interviews and onboards advisors.Oversees essential administrative functions, including but not limited to scheduling, cash orders, managing branch losses, documentation and retention, and end-of-day balancing.Engages with community and branch partners, including Membership Development Officers, to enhance member appreciation. Facilitates timely and efficient communication between branch and home office.Serves as escalation point for member complaints and suggestions, deploys active listening techniques to capture improvement opportunities, and treats all member cases with empathy and exceptional professionalism.Seeks out professional development and internal networking to enhance education in the financial service industry to improve branch member experience.Ensures branch staff's readiness to meet all pre-defined financial targets while continually serving as stewards of membership resources to maximize profitability.Complies with regulation, policies, procedures, and operational guidelines. Proactively assesses and mitigates operational risks, ensuring compliance with regulations, audit requests, and implements security measures when appropriate.Follows all safety and security guidelines to properly protect branch team members, members, and credit union assets.
JOB QUALIFICATIONSHere are a few qualifications you MUST have to be qualified for this position.Minimum 7 - 9 years of banking/member service experience, including 1 - 3 years of managerial experience.Strong analytical and problem-solving skills, with the ability to identify trends and develop solutions.Demonstrated knowledge of banking procedures, including policies, laws and regulations, consumer loan origination and servicing.PC proficient, including Microsoft Office (Word, Excel, PowerPoint, Access, Outlook) and the Internet.Ability to function in a Consumer business office environment and utilize standard office equipment including but not limited to: PC, copier, telephone, etc.Ability to lift a minimum of 25 lbs. (file boxes, computer printer).Travel required on occasion.
Here are a few qualifications we'd LIKE for you to have.4 - 6 years of Credit Union member service experience.Bachelor's degree in Business Administration or relating field of study.Experience with creating and updating policies, processes, procedures, and guidelines.Supervisory experience within a member/customer service environment.
If you have questions about this position description, please feel welcome to ask. You can reach HR at:Human Resources3600 Wake Forest Rd, Raleigh, NC 27609Requirements:
PI5937fdc8eb46-5434
Description:
OUR CULTUREOur organization believes we can all do well by doing good. We value the contributions of diverse minds and prioritize the success and wellbeing of our employees. We also believe every person in our organization plays a role in supporting a healthy environment and helping to achieve our goal of prosperity for all. To this end, we recruit bright, energetic, and talented people to be members of our team. In return, we offer a dynamic workplace that presents opportunities for professional advancement and individual growth. We strive to always display integrity, self-awareness, courage, and respect for one another while continuing to seek opportunities to learn. We really believe that when our employees succeed, our community wins.
ABOUT THE POSITION The Branch Manager will play a crucial leadership role in ensuring the success as well as reputation of the branch. This individual will manage, oversee, and ensure excellence of day-to-day branch operations, which include but are not limited to branch opening, closing, member service and experience, transaction processing, promotion of products and services, and ensuring general required service coverage of the location. On top of managing the daily activities, a successful individual in this role will place emphasis on continual improvement of operational efficiencies as well as service quality standards, putting the members' satisfaction at the core of everything we do. At the core, the Branch Manager will embody Civic's values, policies and vision while fostering an inclusive environment for both branch staff and members.
NORMAL DAY-TO-DAY WORKDemonstrates and leads a high level of member service awareness, continually strives to exceed members' expectations and ensures the maintenance of operational proficiencies in effort to develop lasting member impressions and relationships.Oversees branch growth and membership retention by coaching and leading well-informed advisors to discover member centric solutions.Communicates, transfers, and demonstrates product and service knowledge to advisors. Proactively identifies areas of knowledge improvement amongst branch staff.Coaches and manages team development to drive internal opportunities, foster teamwork, and career progression.Effectively recruits, interviews and onboards advisors.Oversees essential administrative functions, including but not limited to scheduling, cash orders, managing branch losses, documentation and retention, and end-of-day balancing.Engages with community and branch partners, including Membership Development Officers, to enhance member appreciation. Facilitates timely and efficient communication between branch and home office.Serves as escalation point for member complaints and suggestions, deploys active listening techniques to capture improvement opportunities, and treats all member cases with empathy and exceptional professionalism.Seeks out professional development and internal networking to enhance education in the financial service industry to improve branch member experience.Ensures branch staff's readiness to meet all pre-defined financial targets while continually serving as stewards of membership resources to maximize profitability.Complies with regulation, policies, procedures, and operational guidelines. Proactively assesses and mitigates operational risks, ensuring compliance with regulations, audit requests, and implements security measures when appropriate.Follows all safety and security guidelines to properly protect branch team members, members, and credit union assets.
JOB QUALIFICATIONSHere are a few qualifications you MUST have to be qualified for this position.Minimum 7 - 9 years of banking/member service experience, including 1 - 3 years of managerial experience.Strong analytical and problem-solving skills, with the ability to identify trends and develop solutions.Demonstrated knowledge of banking procedures, including policies, laws and regulations, consumer loan origination and servicing.Notary Public in North Carolina, or ability to achieve in the first 6 months of employment.PC proficient, including Microsoft Office (Word, Excel, PowerPoint, Access, Outlook) and the Internet.Ability to function in a Consumer business office environment and utilize standard office equipment including but not limited to: PC, copier, telephone, etc.Ability to lift a minimum of 25 lbs. (file boxes, computer printer).Travel required on occasion.
Here are a few qualifications we'd LIKE for you to have.4 - 6 years of Credit Union member service experience.Bachelor's degree in Business Administration or relating field of study.Experience with creating and updating policies, processes, procedures, and guidelines.Supervisory experience within a member/customer service environment.
If you have questions about this position description, please feel welcome to ask. You can reach HR at:Human Resources3600 Wake Forest Rd, Raleigh, NC 27609Requirements:
PIc7f92a5-
Description:CIVIC CULTURE
Our organizations believe we can all do well by doing good. We value the contributions of diverse minds and prioritize the success and well-being of our employees. We also believe every person in our organization plays a role in supporting a healthy environment and helping to achieve our goal of prosperity for all. To this end, we recruit bright, energetic, and talented people to be members of our team. In return, we offer a dynamic workplace that presents opportunities for professional advancement and individual growth. We strive to always display integrity, self-awareness, courage, and respect for one another while continuing to seek opportunities to learn. We really believe that when our employees succeed, our community wins.
ABOUT THE POSITION
The Consumer Loan Fulfillment Specialist will play a crucial role in supporting all consumer and residential real estate loan fulfillment and booking utilizing the loan core system. This position will liaise with various business units that work with consumer lending and related functions, including but not limited to research, lien perfection, reporting and tracking processes, and resolving consumer loan issues. This position will support all resources relating to the loan system and client loan information.
NORMAL DAY-TO-DAY WORKPrepares documentation and performs processing for consumer loan closing, including personal, auto, and home equity loans.Gathers and reviews required documentation, including proof of income, buyers' orders, vehicle registrations, proof of insurance, title reports, appraisals, payoff statements, and other related documentation to ensure policies and regulations are followed.Assists with creation and monitoring of required home equity pre/post disclosures, reviews of finalized loan documentation, and performs lien recordings as necessary.Corresponds with members via email, phone, or mail to follow up on required conditions to close loans and non-funded loan requests.Supports the review and testing of new releases and system enhancements to the lending operating system and core system as necessary.Complies with and stays abreast of all policies, guidelines and procedures, federal and state laws applicable to consumer loan servicing of real estate and non-real estate products.Supports policy, guidelines and procedures related to consumer real estate closings/transactions with key stakeholders to ensure correct structure, loan documentation, and accurate boarding into the core system.Prepares for and assists with coordinating internal/external audits pertaining to consumer credit products. Works towards and strives for zero audit exceptions as it relates to scope of responsibility. Performs periodic self-audits on all areas of responsibility.JOB QUALIFICATIONSHere are a few skills you MUST have to be qualified for this position.Minimum 1 - 3 years of consumer loan servicing experience.Sound knowledge of consumer loan and documentation procedures, policies, regulations, including bankruptcy and consumer laws.Ability to function in a Consumer business office environment and utilize standard office equipment including but not limited to: PC, copier, telephone, etc.Ability to lift a minimum of 25 lbs. (file boxes, computer).Travel is required on occasion.Here are a few qualities we'd LIKE for you to have to make you more suited for this position.Bachelor's degree in Finance, Accounting, Economics, Business or related field.Proficiency in consumer and real estate documents in multiple lending jurisdictions, lien filing and titling, and vehicle and real estate insurance.Functional understanding of a loan origination system (LOS).Lending experience at a Credit Union/Financial Institution.Contact UsIf you have questions about this position description, please feel welcome to ask. You can reach our HR Department at:Civic Human Resources3600 Wake Forest Road, Raleigh, NC 27609
Requirements:
PIfc1-2836
Description:CIVIC CULTUREOur organization believes we can all do well by doing good. We value the contributions of diverse minds and prioritize the success and well-being of our employees. We also believe every person in our organization plays a role in supporting a healthy environment and helping to achieve our goal of prosperity for all. To this end, we recruit bright, energetic, and talented people to be members of our team. In return, we offer a dynamic workplace that presents opportunities for professional advancement and individual growth. We strive to always display integrity, self-awareness, courage, and respect for one another while continuing to seek opportunities to learn. We really believe that when our employees succeed, our community wins.
ABOUT THE POSITIONThe Senior Reporting Analyst role will be responsible for applying the principles of GAAP to help prepare robust financial reports and financial statements utilized by Management and the Credit Union Board of Directors. The individual in this role will also help manage reporting and analysis functions, prepare and distribute various internal financial and regulatory reports, lead research and resolve complex accounting and financial reporting issues. This role will serve as a primary liaison with internal and external bodies.
NORMAL DAY-TO-DAY WORKPrepare complex monthly financial analysis and reports for Executive Management. Draft annual, semi-annual, quarterly and monthly financial statements and forms, as well as timetable calendars for such statements.Perform monthly trend/variance/ratio analysis and provide context to material differences to forecast team, including a comparison of budgeted, forecasted, and actual results.Provide insightful recommendations based on analysis to improve budget/forecast performance by evaluating monthly results of capital expenditures, non-interest income and operating expenses.Develop and maintain a set of assumptions/business calculations to be incorporated into the working forecast and approved budget.Apply professional skepticism to interpret and understand financial results and regulatory information as well as business and financial statement interrelationships. Provide informed, proactive analysis and business insights for analytical review to enable effective decision-making for financial and regulatory reporting.Prepare, analyze and distribute reports summarizing financial results monthly, such as the Statement of Financial Condition, Income Statement and Statement of Cash Flows, as well as NCUA Call Report and supporting documentation for quarterly submission.Serve as trusted advisor to Management and team members by keeping up to date with GAAP, NCUA regulations, and Federal Reserve reporting requirements. Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled.Work with institutional warehouse data to define the optimal way to collect, store, retrieve and analyze the data.Review expenses, accruals and other financial information; partner with Accounting Analysts to coordinate adjustments.Work directly with Management to ensure the delivery of fair, accurate, and timely items requested for financial audits and regulatory examinations.Take ownership for actions, decisions, and results; openly accept feedback and demonstrate both the willingness and ability to improve.
JOB QUALIFICATIONSHere are a few skills you MUST have to be qualified for this position.
4 - 6 years of experience in Financial Accounting or Data Analysis. Advanced user of financial software (e.g., Excel, Sage Intacct, Workday Adaptive, Oracle, Hyperion, SAP) and data analysis tools.Demonstrated proficiency in data analysis, strong analytical skills and ability to interpret complex financial data and provide meaningful insights.Ability to function in a Consumer business office environment and utilize standard office equipment including but not limited to: PC, copier, telephone, etc.Ability to lift a minimum of 25 lbs. (file boxes, computer).Travel required on occasion.
Here are a few qualities we'd LIKE for you to have to make you more suited for this position.BA/BS in Business, Accounting, Finance, Mathematics, Statistics or other analytical field of study.Experience with preparation of complex financial statements for a financial institution.Proven experience educating non-financial professionals about Budgeting and/or Accounting.Experience with business intelligence, database mining, and statistical analysis tools (such as SAS or Access).
CONTACT USIf you have questions about this position description, please feel welcome to ask. You can reach our HR Department at: Civic Human Resources3600 Wake Forest Road, Raleigh, NC 27609
Requirements:
PI8b07da783a55-3172
Description:OUR CULTUREOur organization believes we can all do well by doing good. We value the contributions of diverse minds and prioritize the success and wellbeing of our employees. We also believe every person in our organization plays a role in supporting a healthy environment and helping to achieve our goal of prosperity for all. To this end, we recruit bright, energetic, and talented people to be members of our team. In return, we offer a dynamic workplace that presents opportunities for professional advancement and individual growth. We strive to always display integrity, self-awareness, courage, and respect for one another while continuing to seek opportunities to learn. We really believe that when our employees succeed, our community wins.
ABOUT THE POSITIONThe Senior Fair Lending Analyst plays a critical role in ensuring the Credit Union's adherence to federal and state fair lending laws and regulations. This individual will be responsible for conducting in-depth analysis of lending practices, identifying potential risks or discriminatory patterns, and providing actionable insights to maintain regulatory compliance and promote equitable lending practices.
NORMAL DAY-TO-DAY WORKConducts detailed fair lending reviews of loan portfolios, underwriting processes, and pricing practices to identify potential disparities or risks.Evaluates existing lending policies, procedures, and practices for compliance with fair lending laws and develops and executes robust fair lending testing methodologiesPrepares reports summarizing review findings, including recommendations for corrective actions and process improvements.Maintains detailed records of fair lending reviews, testing, and resolutions.Keeps current on changes to fair lending laws, regulations, and enforcement actions to ensure the Credit Union remains compliant.Monitors industry trends and emerging risks to proactively address potential compliance issues.Works with the Loan Analytics team to perform statistical and qualitative analyses to evaluate lending data for potential risks.Oversees the review, validation, and evaluation of HMDA data to ensure accuracy, completeness, and compliance while identifying potential fair lending risks.Ensures timely submission of HMDA data to regulatory agencies in accordance or reporting deadlines and serves as a subject matter expert on fair lending and HMDA regulations.Acts as a liaison with the Credit Union's Audit Services and Risk and Compliance departments for periodic fair lending audits and compliance reviews.JOB QUALIFICATIONSHere are a few qualifications you MUST have to be qualified for this position.4-6 years of experience in fair lending compliance, regulatory risk, and file review.BA/BS in Business, Finance, Economics, Statistics, or related field.Advanced knowledge of fair lending regulations, including ECOA, FHA, HMDA, and UDAAP.Exceptional analytical and critical thinking skills.Strong understanding of data validation and reporting processes.Excellent verbal, written, telephone and interpersonal communication skills.Must possess a strong service orientation.PC proficient including Microsoft Office (Word, Excel, PowerPoint, Access, Outlook) and the Internet.Ability to function in a Consumer business office environment and utilize standard office equipment including but not limited to: PC, copier, telephone, etc.Ability to lift a minimum of 25 lbs. (file boxes, computer printer).Travel required on occasion.Here are a few qualifications we'd LIKE for you to have.Experience with visual analytics platforms such as Tableau.Experience in developing new lending policies, reviewing and enforcing existing policies, ensuring compliance with procedures and guidelines, and recommending policy revisions as needed.If you have questions about this position description, please feel welcome to ask. You can reach HR at:Human Resources3600 Wake Forest Rd, Raleigh, NC 27609Requirements:
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