Position Summary:
The position of Senior Application Developer is responsible for senior level design, development, maintenance, integration and support of the internet and intranet web sites, including the design and implementation of new concepts and prototypes. Maintain quality service standards set by the organization.
Minimum Qualifications (Education, Experience, Skills)
Bachelor’s Degree in Computer Science or equivalent job experience.6+ years of related IT industry experience. Financial Services/Banking experience is preferred.Advanced knowledge of Object Oriented programming, scripting and functional programming. Advanced knowledge of and demonstrated experience building secure web applications using a combination of latest technologies.Demonstrated experience with relational database like Microsoft SQL server.Experience with .NET, ASP.NET, MVC, C# and T-SQL.Experience developing mobile applications using native or hybrid technologies is a big plus.Experience with PowerShell, Angular JS, Node JS, React Native is a plus.Good UI/UX design skills.Ability to learn new technology/concepts quickly. Experience with Agile/Scrum methodologies is a plus. Experience with source control systems like GIT/TFS, VSTS, CI/CD tools is a plus.Familiar with Open Web Application Security Project.Essential Duties and Responsibilities
Experience with Visual Source Safe and Subversion source control software.Understand business problems/requirements specs provide efficient design solutions. Write technical specification documents based on requirements. Reviews, analyze, program, test, and debug software for a large-scale systems.Develop new software with complex third party integrations.Work with senior developers to review architecture, design and perform code reviews. Conduct technical assessment of new products, provide input to Manager, Digital Channels. Support Manager, Digital Channels in planning, oversight, technical activities. Adhere to application development standard guidelines.Preform unit testing in accordance with department policies and guidelines.Reports status on activities, issues, projects to Manager, Digital Channels.Provide technical support and problem resolution to info center enquiries, regarding custom applications. Participate in AML/BSA compliance training as assigned. Adhere to credit union AML/BSA policy and procedures including CTR rules and form preparation, identify and refer suspicious activity to the Compliance Department, perform OFAC comparisons, and properly identify individuals in accordance with Branch Operations procedures.Other Duties and Responsibilities
Perform other duties as assigned.Coordinate special projects as assigned.Provide after-hours support as needed.Physical Demands and Work Environment
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to use hands to finger, handle, or feel objects, tools, or controls and talk or hear. The employee is frequently required to stand and reach with hands and arms. The employee is occasionally required to walk; sit; climb or balance; and stoop, kneel, crouch, or crawl.
The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.
The noise level in the work environment is usually moderate.
Position Summary:
The position of Financial Service Representative I is established to provide prompt, professional and accurate information to members and potential members in opening new accounts, securing loans, and deepening member relationships by offering Credit Union products and services to meet members’ needs and increase member satisfaction. Maintain quality service standards set by the organization.
Minimum Qualifications (Education, Experience, Skills)
High school diploma or equivalent.One year of banking experience to include: knowledge of member interviewing techniques, ability to identify and offer/refer products and services to meet members’ financial needs; or 2 years of relevant finance related experience; or 6 months of SDCCU member facing work experience may be considered.Demonstrated ability and thorough knowledge of and a willingness to actively promote products and services.General knowledge of Credit Union and/or financial institution loan policies and procedures preferred.Demonstrated professional human relations, communication and organizational skills.College level math and financial calculation skills.Basic level computer skills, including MS Office applications (Word, Excel, Outlook)Professional appearance and demeanor.Essential Duties and Responsibilities
Interview members and potential members to determine their financial needs and aid in selecting appropriate products and services.Identify and offer products and services to members to meet their financial needs and/or refer the member to an appropriate representative or partner. Participate in campaigns, contests, member outreach efforts, meetings and one on ones with management. Meet established performance goals as assigned.Accurately record and track all member interactions, referrals and sales, following policy and procedure and maintaining integrity in all actions.Provide an exceptional service experience consistent with Credit Union standards; resolve member complaints quickly and accurately; respond to member inquiries on the phone and in person.Responsible for keeping abreast of current policies, procedures and new products; follow new procedures.Prepare documentation for new accounts, loans and/or card issuance, ensuring adherence to legal requirements and Credit Union policies and procedures.Ensure loan files are complete and accurate with appropriate and thorough comments, along with recommendations to aid in loan decision.Relay loan decision to member along with loan terms and conditions providing financial counsel and alternatives, as needed.Provide timely closing of loans through consistent follow-up of loan approvals.Ensure operational integrity through consistent and timely audits of loan and new account files and documentation with all member interactions.Ensure operational integrity through consistent and timely audits of loans, new account files and obtaining proper documentation with all member interactions.Accurately record and track all member interactions, following policy and procedure and maintaining integrity in all actions.Participate in business development activities including participating in orientations and offsites.Contribute to the overall branch performance by providing guidance to co-workers as directed by management. Participate in AML/BSA compliance training as assigned. Adhere to credit union AML/BSA policy and procedures including CTR rules and form preparation, identify and refer suspicious activity to the Compliance Department, perform OFAC comparisons, and properly identify individuals in accordance with Branch Operations procedures.Other Duties and Responsibilities
Act as an MSR or Receptionist as directed by management.Support management in community development activities.Maintain safe deposit boxes, as applicable.May be required to work weekends and/or extended hours, to include offsite events. Perform other duties as assigned.Physical Demands and Work Environment
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to use hands to finger, handle, or feel objects, tools, or controls and talk or hear. The employee is frequently required to stand and reach with hands and arms. The employee is occasionally required to walk; sit; climb or balance; and stoop, kneel, crouch, or crawl.
The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.
The noise level in the work environment is usually moderate.
Position Summary:
Responsible for transacting business efficiently and accurately on member accounts. Participates in the promotion of the Credit Union products and services to existing and potential members. Maintain quality service standards set by the organization.
Minimum Qualifications (Education, Experience, Skills)
High school diploma or equivalent.1 year of customer service experience. Willingness to train and to learn how to identify members’ needs to effectively offer or refer credit union products and services. Cash handling experience preferred.Must possess effective human relations and communication skills.Professional appearance and demeanor.
Essential Duties and Responsibilities
Process routine member account transactions including: deposits, withdrawals, loan payments, transfers, wires, Cashier Check purchases, loan and VISA advances, lobby drop and closing accounts.Balance cash drawer daily, process direct deposit forms, process daily mail, provide dual control to balance the cash vault.Identify and offer products and services to members to meet their financial needs and/or refer the member to an appropriate representative or partner. Participate in campaigns, contests, member outreach efforts, meetings and one on ones with management. Meet established performance goals as assigned. Accurately record and track all member interactions, referrals and sales, following policy and procedure and maintaining integrity in all actionsAnswer basic member inquiries pertaining to their account.Conduct routine research on member accounts as necessary or requested.Assists members by accepting and/or completing applicable forms.Participate in AML/BSA compliance training as assigned. Adhere to credit union AML/BSA policy and procedures including CTR rules and form preparation, identify and refer suspicious activity to the Compliance Department, perform OFAC comparisons, and properly identify individuals in accordance with Branch Operations procedures.Other Duties & Responsibilities
Physical Demands and Work Environment
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to use hands to finger, handle, or feel objects, tools, or controls and talk or hear. The employee is frequently required to stand and reach with hands and arms. The employee is occasionally required to walk; sit; climb or balance; and stoop, kneel, crouch, or crawl.
The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.
The noise level in the work environment is usually moderate.
Position Summary:
Responsible for transacting business efficiently and accurately on member accounts. Participates in the promotion of the Credit Union products and services to existing and potential members. Maintain quality service standards set by the organization.
Minimum Qualifications (Education, Experience, Skills)
High school diploma or equivalent.1 year of customer service experience. Willingness to train and to learn how to identify members’ needs to effectively offer or refer credit union products and services. Cash handling experience preferred.Must possess effective human relations and communication skills.Professional appearance and demeanor.
Essential Duties and Responsibilities
Process routine member account transactions including: deposits, withdrawals, loan payments, transfers, wires, Cashier Check purchases, loan and VISA advances, lobby drop and closing accounts.Balance cash drawer daily, process direct deposit forms, process daily mail, provide dual control to balance the cash vault.Identify and offer products and services to members to meet their financial needs and/or refer the member to an appropriate representative or partner. Participate in campaigns, contests, member outreach efforts, meetings and one on ones with management. Meet established performance goals as assigned. Accurately record and track all member interactions, referrals and sales, following policy and procedure and maintaining integrity in all actionsAnswer basic member inquiries pertaining to their account.Conduct routine research on member accounts as necessary or requested.Assists members by accepting and/or completing applicable forms.Participate in AML/BSA compliance training as assigned. Adhere to credit union AML/BSA policy and procedures including CTR rules and form preparation, identify and refer suspicious activity to the Compliance Department, perform OFAC comparisons, and properly identify individuals in accordance with Branch Operations procedures.Other Duties & Responsibilities
Physical Demands and Work Environment
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to use hands to finger, handle, or feel objects, tools, or controls and talk or hear. The employee is frequently required to stand and reach with hands and arms. The employee is occasionally required to walk; sit; climb or balance; and stoop, kneel, crouch, or crawl.
The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.
The noise level in the work environment is usually moderate.
Position Summary:
The position of VP, Branch Manager is responsible for all activities of a full service branch office of the Credit Union, including managing, leading, and providing administrative guidance to all team members. Responsible for achieving all established performance initiatives and maintaining quality service standards set by the organization.
Minimum Qualifications (Education, Experience, Skills)
Bachelor’s Degree or equivalent work experience.Minimum four years of professional experience in operations in the financial services industry, including two years successfully supervising and managing branch staff and programs in a financial institution.Demonstrated success in planning, organizing, leading and oversight of people and activities. Professional and effective interaction, verbal and written communication skills.Organization skills sufficient to successfully manage multiple projects, establish priorities and meet deadlines.Track record of applying critical thinking and emotional intelligence skills in a wide variety of situations.Essential Duties and Responsibilities
Responsible for all activity of a branch office of the Credit Union.Possess strong relationship management skills; including coaching to performance, leading team and management meetings, one on ones, observations and skill building to improve employee effectiveness; generates new business through business development, branch marketing efforts and off-site participation.Coordinate the hiring, training, coaching, supervision and performance evaluations of all branch personnel; also responsible for employee counseling, documentation, and dismissal; hold consistent staff meetings and ensure staff is updated on changes in policy and procedures; ensure staff is thoroughly trained in all Credit Union products and services. Initiate ongoing cross-training of all branch personnel. Provide guidance and leadership to staff and assist staff with improving performance. Maintain high morale and teamwork within the branch.Maintain good member relations; assure problems/complaints by members are resolved quickly and accurately; authorize exceptions to operating procedure when circumstances warrant and deviation is justified. Assist members as necessary, including acting as an FSR or MSR, as needed. Ensure quality member service standards are maintained within the branch.Oversee the integrity of loan audits and the review of various loan reports. Have an awareness of the current financial market and its effect on loan and deposit products.Responsible for ensuring staff complete required fundamental training as well as continuous learning activities to support skill development. Responsible for overall performance of the branch. Plan, direct and lead the business development activities in accordance with the Credit Union's strategic and corporate goals. Responsible for proper control and maintenance of negotiable items to ensure members' needs are met while safeguarding the Credit Union's assets.Monitor daily branch balancing, general ledger accounts and branch reports/accounts for accuracy and audit conformity. Principally responsible for ensuring that operational policies and procedures are being implemented and followed and that prudent judgment is being utilized while meeting members’ needs. Act as Security Officer of the branch; ensure branch staff is fully trained on all security and emergency procedures; oversee consistent daily compliance of branch security as indicated in the Operations Manual and by internal audit.Control branch expenses in accordance with branch budget. Prepare recommendations and justification for use in annual budgetary process.Responsible for making recommendations to promote professional appearance of branch, building and grounds. This includes annual budgetary requests.Encourage and support the development of the Assistant Branch Manager through consistent use of both in-house and outside training resources.Suggest and encourage ideas for improvements to Credit Union functions.Ensure branch cooperation, respect and teamwork with other branches and departments.Participate in AML/BSA compliance training as assigned. Adhere to credit union AML/BSA policy and procedures including CTR rules and form preparation, identify and refer suspicious activity to the Compliance Department, perform OFAC comparisons, and properly identify individuals in accordance with Branch Operations procedures.Provide managerial oversight of the activities for areas of responsibility, including assigned staff and functional deliverables of the team. Demonstrate leadership in words and actions on a daily basis; act as role model for success and engagement. Create a positive work environment conducive to trust and transparency.Responsible for the performance management of staff, to include daily feedback, coaching and mentoring; administration of appraisals that are timely and meaningful. Identify and address deficiencies constructively. Continually support, encourage and motivate team members toward ongoing growth and development.Consult with Human Resources (HR) on issues outside of the normal scope of performance or behavior. Report all issues of safety or legal consequence immediately and surface undesirable patterns as they are discovered. Partner with HR on all employment decisions, and refer requests for changes in terms or scheduling to the HR department. Monitor approved schedules, review and approve timesheets of staff, and ensure all expenses are reported as per company policy. Schedule and provide staff the opportunity for meal and rest breaks, while ensuring operational coverage is maintained.Other Duties & Responsibilities
May serve on ad hoc committees.Perform other duties as assigned.Physical Demands and Work Environment
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to talk or hear. The employee frequently is required to sit and use hands to finger, handle, or feel objects, tools, or controls. The employee is occasionally required to stand, walk, and reach with hands and arms.
The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, and the ability to adjust focus.
The noise level in the work environment is usually moderate.
Position Summary:
Responsible for transacting business efficiently and accurately on member accounts. Participates in the promotion of the Credit Union products and services to existing and potential members. Maintain quality service standards set by the organization.
Minimum Qualifications (Education, Experience, Skills)
High school diploma or equivalent.1 year of customer service experience. Willingness to train and to learn how to identify members’ needs to effectively offer or refer credit union products and services. Cash handling experience preferred.Must possess effective human relations and communication skills.Professional appearance and demeanor.
Essential Duties and Responsibilities
Process routine member account transactions including: deposits, withdrawals, loan payments, transfers, wires, Cashier Check purchases, loan and VISA advances, lobby drop and closing accounts.Balance cash drawer daily, process direct deposit forms, process daily mail, provide dual control to balance the cash vault.Identify and offer products and services to members to meet their financial needs and/or refer the member to an appropriate representative or partner. Participate in campaigns, contests, member outreach efforts, meetings and one on ones with management. Meet established performance goals as assigned. Accurately record and track all member interactions, referrals and sales, following policy and procedure and maintaining integrity in all actionsAnswer basic member inquiries pertaining to their account.Conduct routine research on member accounts as necessary or requested.Assists members by accepting and/or completing applicable forms.Participate in AML/BSA compliance training as assigned. Adhere to credit union AML/BSA policy and procedures including CTR rules and form preparation, identify and refer suspicious activity to the Compliance Department, perform OFAC comparisons, and properly identify individuals in accordance with Branch Operations procedures.Other Duties & Responsibilities
Physical Demands and Work Environment
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to use hands to finger, handle, or feel objects, tools, or controls and talk or hear. The employee is frequently required to stand and reach with hands and arms. The employee is occasionally required to walk; sit; climb or balance; and stoop, kneel, crouch, or crawl.
The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.
The noise level in the work environment is usually moderate.
Position Summary:
The position of ATM/Visa Representative I is established to guarantee the accurate and timely processing of all Automated Teller Machine (ATM) and VISA transactions and inquires, to include PIN, signature debit and signature credit transactions. Investigate process and complete all ATM, credit and debit fraud claims. Maintain quality service standards set by the organization.
Minimum Qualifications (Education, Experience, Skills)
High school diploma or equivalent.1 year of relevant finance or banking experience, call center experience may be considered; or 6 months of SDCCU member facing work experience. Comfortable communicating and multitasking with internal employees over the phone in a call center-like environment.VISA & ATM knowledge preferred.Effective communications skills with the ability to communicate clearly with all groups of people.Excellent written and verbal communication skills.Basic mathematics and accounting principles.Excellent interpersonal skills.Ability to work under pressure.Knowledge of basic office procedures.Essential Duties and Responsibilities
Research and resolve ATM transaction exceptions and problems through the use of the Symitar, Imaging, and STAR/COOP applications.Process Visa disputes/fraud utilizing Visa’s online application (VROL).Research member ATM/Visa disputes/fraudProcess daily VISA and ATM reports.Input STAR/CO-OP adjustments online.Maintain and assist Instant Issue users through the Card Wizard application.Assist staff and members with all ATM and VISA related inquires via phone, email, and written correspondence.Analyze and communicate information relating to ATM/VISA fraud.Process ATM/POS disputes through STAR/COOP applications.Post and balance general ledger transactions.Perform VISA account file maintenance and transfers.Participate in AML/BSA compliance training as assigned. Adhere to credit union AML/BSA policy and procedures including CTR rules and form preparation, identify and refer suspicious activity to the Compliance Department, perform OFAC comparisons, and properly identify individuals in accordance with Branch Operations procedures.Other Duties and Responsibilities
Perform other duties as assigned.Physical Demands and Work Environment
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to use hands to finger, handle, or feel objects, tools, or controls and talk or hear. The employee is frequently required to stand and reach with hands and arms. The employee is occasionally required to walk; sit; climb or balance; and stoop, kneel, crouch, or crawl.
The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.
The noise level in the work environment is usually moderate.
Position Summary:
The position of Assistant Branch Manager is established to provide managerial and administrative support to a full service branch office of the Credit Union and maintain quality service standards set by the organization.
Minimum Qualifications (Education, Experience, Skills)
Bachelor’s Degree or one additional year of relevant work experience.Minimum three years of professional experience in operations in the financial industry, with increasing levels of responsibility and proven supervisory abilities.Demonstrated success in planning, organizing, leading and oversight of people and activities. Professional and effective interaction, verbal and written communication skills.Organization skills sufficient to successfully manage multiple projects, establish priorities and meet deadlines.Track record of applying critical thinking and emotional intelligence skills in a wide variety of situations.Essential Duties and Responsibilities
Act as next in charge in the Vice President, Branch Manager's absence. Participate in the hiring, training, coaching, supervision and performance evaluations of all branch personnel; also responsible for employee counseling, documentation, and dismissal. Ensure staff is updated on changes in policy and procedures; ensure staff is thoroughly trained in all Credit Union products and services. Assist with coordination of ongoing cross-training of all branch personnel. Provide guidance and leadership to staff and assist staff with improving performance. Promote high morale and teamwork within the branch.Maintain good member relations; resolve problems/member complaints quickly and accurately; authorize exceptions to operating procedure when circumstances warrant and deviation is justified, alerting Branch Manager to all such exceptions. Assist members as necessary, serving as an FSR or MSR, as needed. Ensure quality member service standards are maintained within the branch.Act as loan officer, ensuring loan decisions are made in a timely manner based on credit scoring guidelines and prudent judgment. Interface with members on complex loan files. Assist in the performance of loan audits and the review of various loan reports. Have a general awareness of competitors' loan and deposit products.Contribute to overall branch performance. Support Management with branch service and production strategy, including coaching and development of employees to acquire and deepen member relationships. Support Branch Manager in the business development activities in the branch.Responsible for proper control and maintenance of negotiable items to ensure members' needs are met while safeguarding the Credit Union's assets.Supervise work flow and coordinate scheduling of branch personnel.Monitor daily branch balancing, general ledger accounts and branch reports/accounts for accuracy and audit conformity. Responsible for consistent compliance with operational policies and procedures; exceptions based on prudent judgment coupled with the needs of the member.Knowledgeable of all security and emergency procedures.Responsible for making recommendations to promote professional appearance of branch, building and grounds. Encourage ideas for improvements to Credit Union functions.Promote branch cooperation, respect and teamwork with other branches and departments.Participate in AML/BSA compliance training as assigned. Adhere to credit union AML/BSA policy and procedures including CTR rules and form preparation, identify and refer suspicious activity to the Compliance Department, perform OFAC comparisons, and properly identify individuals in accordance with Branch Operations procedures.Provide managerial oversight of the activities for areas of responsibility, including assigned staff and functional deliverables of the team. Demonstrate leadership in words and actions on a daily basis; act as role model for success and engagement. Create a positive work environment conducive to trust and transparency.Responsible for the performance management of staff, to include daily feedback, coaching and mentoring; administration of appraisals that are timely and meaningful. Identify and address deficiencies constructively. Continually support, encourage and motivate team members toward ongoing growth and development.Consult with Human Resources (HR) on issues outside of the normal scope of performance or behavior. Report all issues of safety or legal consequence immediately and surface undesirable patterns as they are discovered. Partner with HR on all employment decisions, and refer requests for changes in terms or scheduling to the HR department. Monitor approved schedules, review and approve timesheets of staff, and ensure all expenses are reported as per company policy. Schedule and provide staff the opportunity for meal and rest breaks, while ensuring operational coverage is maintained.Other Duties and Responsibilities
May serve on ad hoc committees.Coordinate community room activities usage, if applicable.Coordinate staff scheduling.Perform other duties as assigned.Physical Demands and Work Environment
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to use hands to finger, handle, or feel objects, tools, or controls and talk or hear. The employee is frequently required to stand and reach with hands and arms. The employee is occasionally required to walk; sit; climb or balance; and stoop, kneel, crouch, or crawl.
The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.
The noise level in the work environment is usually moderate.
Position Summary:
Develops and implements solutions around complex business challenges. Identifies opportunities to standardize, streamline, or enhance existing business projects and initiatives. Acts as a subject matter resource to ensure compliance with processes, procedures, and regulatory requirements. Maintains quality service standards set by the department.
Minimum Qualifications (Education, Experience, Skills)
Bachelor’s Degree in Business Administration or related field or equivalent education or work experience.3 years of operations or process experience in a lending department, or relevant working knowledge of the lending process.Working experience in a financial services environment. Demonstrated experience analyzing data, identifying trends, and recommending solutions.Ability to work effectively under pressure and with heavy workloads.Professional and effective interaction, verbal and written communication skills.LoansPQ and/or Symitar experience desirable.Essential Duties and Responsibilities
Identifies opportunities and/or implements business solutions to meet operational needs.Researches, develops, implements, and administers rules, requirements, processes, and procedures, ensuring adherence with established goals and objectives. Prioritizes workload to ensure deadlines are met. Maintains communication with Consumer Lending areas to include management regarding status of projects and initiatives.Collaborates with business partners to facilitate the development of business rules and operational requirements.Develops effective business controls and testing strategies, and assists with test execution, defect prioritization and resolution.Coordinates with appropriate stakeholders and program/project sponsors to help ensure successful product and initiative implementation.Develops and manages consistent execution of changes and enhancements to system logic, rules, and behavior.Participate in AML/BSA compliance training as assigned. Adhere to Credit Union AML/BSA policy and procedures including CTR rules and form preparation, identify and refer suspicious activity to the Compliance Department, perform OFAC comparisons, and properly identify individuals in accordance with Branch Operations procedures.Other Duties and Responsibilities
Perform other duties as assigned.Physical Demands and Work Environment
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to use hands to finger, handle, or feel objects, tools, or controls and talk or hear. The employee is frequently required to stand and reach with hands and arms. The employee is occasionally required to walk; sit; climb or balance; and stoop, kneel, crouch, or crawl.
The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.
The noise level in the work environment is usually moderate.
Position Summary:
The Direct Consumer Lending Underwriter I is responsible for reviewing low to medium complexity files and evaluating consumer loan applications and related data/documentation to render sound credit decisions according to credit union policies, procedures and state and federal guidelines. This position communicates with branch and other Credit Union staff to gather information or to explain reasons for requirements, stipulations or decisions. Maintain quality service standards set by the organization.
Minimum Qualifications (Education, Experience, Skills)
High school diploma or equivalent.Minimum one year related experience in consumer lending, branch or related department. Demonstrated ability to thoroughly analyze financial statements, credit bureau reports and other financial data and document findings.College level analytical skills with the ability to calculate a wide variety of lending ratios, conduct loan risk analysis and properly identify credit issues, fraud or other associated lending risks.Working knowledge of financial institution regulations and policies, including Reg Z, Reg B, FCRA & FACTA, and Equal Credit Opportunity Act (ECOA).Basic PC Skills.Effective written, verbal, and organizational skills.Essential Duties and Responsibilities
Analyze and evaluate routine loan requests including application information, credit bureau reports, collateral evaluation, account information and any other internal or external data/documentation pertinent to making decisions in compliance with underwriting, processing policies and guidelines.Keep current with knowledge of the credit union’s lending updates, criteria, guidelines, procedures, policies, and processes in order to make sound lending decisions.Work within authority limits, seeking assistance when appropriate.Develop and maintain relationships with branch and other credit union employees through open and professional communication while consistently providing expected levels of service.Communicate with branch staff and management to gather information to make appropriate decisions. Provide guidance to branches and other credit union staff and clearly explain reasons for stipulating or denying the loan request. Partner with Senior Direct Consumer Lending Underwriters on loan review to maintain good loan performance and enhance independent loan review skills.Meet or exceed established targets/business metrics with regard to decision turn time, volume, service, quality and loan performance. Participate in AML/BSA compliance training as assigned. Adhere to credit union AML/BSA policy and procedures including CTR rules and form preparation, identify and refer suspicious activity to the Compliance Department, perform OFAC comparisons, and properly identify individuals in accordance with Branch Operations procedures.Other Duties and Responsibilities
Participate as needed in SDCCU car sales or other events.Assist Indirect Lending when needed.Assist in various projects.Perform other duties as assigned.Physical Demands and Work Environment
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle, or feel objects, tools, or controls; and talk or hear. The employee is occasionally required to reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl.
The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, and color vision.
The noise level in the work environment is usually moderate.
