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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 Civic Advisor will play a crucial role in providing superior member experience with enhanced awareness and continued education of existing products and services. This is accomplished by offering digital options, processing accurate and professional member transactions and discovering member centric account solutions. The Civic Advisor will be a part of the member's journey in exploring financial goals, building trust through operational soundness and becoming a frontline touchpoint for members and staff. At the core, the Civic Advisor will embody Civic's values, policies and vision while fostering an inclusive environment for both branch staff and members. NORMAL DAY-TO-DAY WORK<ol><li>Demonstrates exceptional member service by providing personalized solutions, creating memorable interactions and exceeding member expectations.</li><li>Builds and fosters relationships with current and potential members to increase their financial well-being.</li><li>Exhibits adept recognition and adjustment to member needs while employing active listening techniques to effectively de-escalate member concerns. Conducts thorough research to address and resolve member inquiries, preparing necessary documentation as needed.</li><li>Maintains and balances assigned cash drawer daily, while following operational procedures and cash limits. Participates in opening and closing procedures, as needed.</li><li>Accurately processes member transaction requests and responds to member inquiries via various channels in a timely manner.</li><li>Provides lobby support and maintains a strong knowledge of products and services available to Civic members, including current promotions. Inform members about products and services other than those requested based on the member's financial information.</li><li>Assists with in-person opening of deposit and loan accounts by ensuring all information is received timely and accurately processed.</li><li>Explains loan programs to member, evaluates their needs and recommends loan options. Complete member and loan applications and escalate to the lending department as necessary.</li><li>Participate in beta-testing for possible workflow and process improvement and provide feedback to internal/external resources as needed.</li><li>Educates members on digital solutions by providing self-service alternatives to manage finances at their convenience.</li><li>Participates in required meetings and trainings while promoting a positive team environment. Shares knowledge of member feedback and effective practices.</li><li>Collaborates with internal departments to provide a closed-loop experience for member requests.</li><li>Complies with regulation, policies, procedure and operational guidelines. Proactively assesses and mitigates operational risks, ensuring compliance with regulations, audit requests and implements security measures when appropriate.</li></ol> JOB QUALIFICATIONSHere are a few qualifications you MUST have to be qualified for this position.<ol><li>Minimum 1 – 3 years of customer service experience, or a Bachelor's degree.</li><li>High school diploma or equivalent.</li><li>Excellent verbal, written, telephone and interpersonal communication skills.</li><li>Demonstrated strong customer service skills.</li><li>Notary Public in North Carolina, or ability to achieve in the first 6 months of employment.</li><li>PC proficient, including Microsoft Office (Word, Excel, PowerPoint, Access, Outlook) and the Internet.</li><li>Ability to function in a Consumer business office environment and utilize standard office equipment including but not limited to: PC, copier, telephone, etc.</li><li>Ability to lift a minimum of 25 lbs. (file boxes, computer printer).</li><li>Travel required on occasion.</li></ol> Here are a few qualifications we'd LIKE for you to have.<ol><li>Credit Union member service experience.</li><li>Knowledge of financial products and services, mobile and on-line banking a plus.</li></ol> 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 27609<a href="mailto:careers@civicfcu.org" target="_blank">careers@civicfcu.org</a>Requirements: PI266113183

Local Government Federal Credit Union

Member Service Advisor, Ahoskie (Branch Advisor)

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 WORK<ol><li>Promptly 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.</li><li>Assist with remote opening of deposit and loan accounts by ensuring all information is received timely and accurately processed.</li><li>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.</li><li>Explains loan programs to member, evaluates their needs and recommends loan options.</li><li>Provide quality service to members, potential members and the community while achieving established qualitative and quantitative service level metrics.</li><li>Complete member and loan applications and escalate to the lending department as necessary.</li><li>Demonstrate continuous effort to improve operations, decrease turnaround times, streamline work processes, and work cooperatively within the team.</li><li>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.</li><li>Stay abreast of all member service policies and procedures, ensuring the quality as well as compliance on all member-facing interactions.</li><li>Take ownership for actions, decisions, and results; openly accept feedback and demonstrate both the willingness and ability to improve.</li></ol>JOB QUALIFICATIONSHere are a few qualifications you MUST have to be qualified for this position.<ol><li>Minimum 1 – 3 years of member servicing experience, or have a Bachelor's degree in Business, Finance, Lending, or relevant area.</li><li>Must be team oriented, results driven, and self-motivated.</li><li>Must be able to manage multiple priorities and account sin fluid environment while maintaining accuracy in all details.</li><li>Must be able to work onsite at Credit Union administrative headquarters.</li><li>Must be able to work 8-hour shifts within core operating hours (8:00am – 6:00pm), as well as the occasional weekend and holiday.</li><li>Ability to function in a Consumer business office environment and utilize standard office equipment including but not limited to: PC, copier, telephone, etc.</li><li>Ability to lift a minimum of 25 lbs. (file boxes, computer printer).</li><li>Travel required on occasion.</li></ol> Here are a few qualifications we'd LIKE for you to have.<ol><li>Four-year degree from an accredited college/university.</li><li>Call center experience.</li><li>Knowledge of financial products and services, mobile and on-line banking a plus.</li><li>Experience using on-line banking services preferred.</li><li>Must be comfortable using various technology platforms.</li><li>Excellent verbal, written, telephone and interpersonal communication skills.</li></ol> 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 27609<a href="mailto:careers@civicfcu.org" target="_blank">careers@civicfcu.org</a>Requirements: PI265738224

Digital Branch Specialist

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 Position The Loan Operations Specialist is responsible for the daily servicing and production of the Consumer loan operations. A successful individual in this role will be forward-thinking, assisting with department projects as assigned by the operations manager and ensuring the financial institution's Consumer loan closing and servicing policies/procedures are being adhered to on each request. In addition, one must contribute to the ongoing development of processes and procedures as well as have knowledge of each functional area including validating reporting, billing, tracking of insurances/taxes, collateral management and paid-in-full loan record keeping. Normal Day-to-Day Work <ol><li>Provide daily support of all aspects of servicing Consumer Loan products.</li><li>Perform loan account maintenance, servicing, balancing, and reporting processes including proficiency in GL reconciliation and transactions.</li><li>Complete payment processing, data entry, collateral &amp; financial ticklers, and file maintenance.</li><li>Understand and code loans to report loans accurately in Call Report as well as other Credit Union reporting formats.</li><li>Assist the Sr. Loan Operations Specialist [AP1] in monitoring, reviewing, and validating periodic loan reports and system output and resolves/escalates issues as appropriate. Assist in providing reconciliation and identification of pattern activities or anomalies in reports and notifies management.</li><li>Assist and support the Credit Union's loan related systems to ensure they are compliant with current loan policies and guidelines.</li><li>Assist in identifying risks and opportunities for improvement with recommendations to improve processes.</li><li>Assist in perfecting Credit Union lien for all real estate and non-real estate loans. Organize loan files and complete checklist for any suspense items.</li><li>Handle issues and possess up-to-date knowledge of specific financial products and regulations. Work with others as necessary to research, analyze, and recommend resolutions.</li><li>Assist in ensuring system upgrades are installed and tested thoroughly in a timely fashion.</li><li>Ensure compliance with all applicable laws and regulations concerning lending by working with Legal and Compliance, attending internal and external training classes and vendor workshops.</li><li>Take ownership for actions, decisions, and results; openly accept feedback and demonstrate both the willingness and ability to improve.</li></ol>Job QualificationsHere are a few skills you MUST have to be considered for this position. <ol><li>Minimum 1 – 3 years of Consumer loan operations experience in all aspects of servicing and loan documentation preparation for consumer non-real estate and real estate.</li><li>Strong interpersonal skills with ability to work in a team environment and mentor others.</li><li>Ability to function in a business office environment and utilize standard office equipment, technology and software including but not limited to: PC/laptop, MS Windows, etc.</li><li>Ability to lift a minimum of 25 lbs. (file boxes, computer printer).</li></ol>Here are a few qualifications we'd LIKE you to have to make you more suited for this position. <ol><li>Experience with collateral perfection and servicing, regulations, and compliance.</li><li>Experience with virtual/online banking environments for business members services.</li><li>Technical experience with input to loan documentation and core Credit Union systems.</li></ol>Contact Us If you have questions about this position description, please feel welcome to ask. You can reach our HR at:LGFCU Human Resources3600 Wake Forest RoadRaleigh, NC 27609<a href="mailto:careers@lgfcu.org" target="_blank">careers@lgfcu.org</a> Requirements: PI265738226

Consumer Lending Operations Specialist

Description:LGFCU &amp; 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 Deposit Operations Analyst will act as the internal point of contact for any questions relating to operations including complex issues that fall outside of the normal daily operations tasks and work with various systems, vendors and departments to provide solutions. The individual in this role is responsible for maintaining compliance with all federal regulations, managing appropriate member notifications and government reporting as required by law. Provides service and support to Credit Union deposit service programs/initiatives and/or products to stimulate new growth and enhance member relationships. NORMAL DAY-TO-DAY WORK<ol><li>Process all daily and advanced Operations functions, including ACH transactions, item processing, returned deposited items, review remote deposit capture (RDC), wire transfers, negative accounts, stop payments, unauthorized/disputed transactions, supporting notices and statements.</li><li>Analyze daily deposit functions, which includes but is not limited to member record and deposit account maintenance, monetary transfers, official check reconcilement, check fraud suspect review and document scanning and indexing and escalates items as needed to internal departments. </li><li>Process IRA contributions and distributions required minimum distributions and tax reporting; tax attachments (e.g., garnishments, levies); subpoenas; member account fraud; and deceased member processes including reclamations, review of approval of probate documentation (e.g., Letters of Testamentary, Letters of Administration, Spousal Allowance) and the appropriate distribution and closure of accounts.</li><li>Review and verify data and/or documents daily to ensure accuracy, compliance and verify reconciliation. </li><li>Perform financial and/or regulatory report reviews and follow-up in relation to Reg. E, Reg. CC and Reg. D excessive transaction monitoring, and other regulatory/compliance functions. Escalate items of concern as needed to internal departments including analyzing of a variety of monthly statistics for large ACH origination members and provide volume and value trends and reports.</li><li>Handle complex issues and possesses current knowledge of specific financial products and regulations. Work with Operations team to research, analyze, recommend, and implement deposit initiatives. Implement new products and services.</li><li>Research and analyze relationship reward programs and makes recommendations on fee structures to help determine the best program for our members.</li><li>Provide recommendations for service improvements based on analyzed data and internal and external member feedback. Communicate changes, enhancements, and modifications through effective documentation.</li><li>Review reports from core system to identify, analyze and track ACH return activity (both originated and received) to identify high risk originators and out of pattern activity. Notify Risk and Compliance of any findings immediately so appropriate action can be taken.</li><li>Verify incoming and outgoing wire transfers, to ensure compliance requirements set by the Bank Secrecy Act, including OFAC rules and regulations are met. Escalate items of concern to management and other internal departments as needed.</li></ol> JOB QUALIFICATIONS Here are a few skills you MUST have to be qualified for this position. <ol><li>Minimum 4 to 6 years Financial Institution experience. </li><li>Minimum 1 to 3 years' experience in operations and/or deposit servicing.</li><li>Knowledge of financial deposit products and services.</li><li>Must be willing to work flexible work hours, including some evenings.</li><li>Ability to function in a Consumer business office environment and utilize standard office equipment including but not limited to: PC, copier, telephone, etc.</li><li>Ability to lift a minimum of 25 lbs. (file boxes, computer printer).</li><li>Travel required sometimes.</li></ol>­Here are a few qualities we'd LIKE for you to have to make you more suited for this position. <ol><li>Four-year degree from accredited college/university preferred. </li><li>AAP and/or NCP Certification preferred.</li></ol> If you have questions about this position description, please feel welcome to ask. You can reach our HR Department at: LGFCU Human Resources3600 Wake Forest Road, Raleigh, NC 27609 <a href="mailto:careers@lgfcu.org" target="_blank">careers@lgfcu.org</a>­Requirements: PI265738229

Deposit Operations Analyst

Description: 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 WORK<ol><li>Demonstrates 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.</li><li>Oversees branch growth and membership retention by coaching and leading well-informed advisors to discover member centric solutions.</li><li>Communicates, transfers, and demonstrates product and service knowledge to advisors. Proactively identifies areas of knowledge improvement amongst branch staff.</li><li>Coaches and manages team development to drive internal opportunities, foster teamwork, and career progression.</li><li>Effectively recruits, interviews and onboards advisors.</li><li>Oversees essential administrative functions, including but not limited to scheduling, cash orders, managing branch losses, documentation and retention, and end-of-day balancing.</li><li>Engages with community and branch partners, including Membership Development Officers, to enhance member appreciation. Facilitates timely and efficient communication between branch and home office.</li><li>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.</li><li>Seeks out professional development and internal networking to enhance education in the financial service industry to improve branch member experience.</li><li>Ensures branch staff's readiness to meet all pre-defined financial targets while continually serving as stewards of membership resources to maximize profitability.</li><li>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.</li><li>Follows all safety and security guidelines to properly protect branch team members, members, and credit union assets.</li></ol> JOB QUALIFICATIONSHere are a few qualifications you MUST have to be qualified for this position.<ol><li>Minimum 7 – 9 years of banking/member service experience, including 1 – 3 years of managerial experience.</li><li>Strong analytical and problem-solving skills, with the ability to identify trends and develop solutions.</li><li>Demonstrated knowledge of banking procedures, including policies, laws and regulations, consumer loan origination and servicing.</li><li>PC proficient, including Microsoft Office (Word, Excel, PowerPoint, Access, Outlook) and the Internet.</li><li>Ability to function in a Consumer business office environment and utilize standard office equipment including but not limited to: PC, copier, telephone, etc.</li><li>Ability to lift a minimum of 25 lbs. (file boxes, computer printer).</li><li>Travel required on occasion.</li></ol> Here are a few qualifications we'd LIKE for you to have.<ol><li>4 – 6 years of Credit Union member service experience.</li><li>Bachelor's degree in Business Administration or relating field of study.</li><li>Experience with creating and updating policies, processes, procedures, and guidelines.</li><li>Supervisory experience within a member/customer service environment.</li></ol>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. 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 27609<a href="mailto:careers@civicfcu.org" target="_blank">careers@civicfcu.org</a>Requirements: PI265738230

Civic Manager, Raleigh (Branch Manager)

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 Bankruptcy Default Specialist provides, direction, and coordination of all bankruptcy activities for Default Management in accordance with statutory compliance, regulatory compliance, and company guidelines. This position is responsible for managing all bankruptcy activities in accordance with established work rules, goals, and objectives to improve timeline and attorney performance. The position will be expected to establish/maintain a culture of team collaboration, accountability, operational excellence, and unwavering commitment to customer service and satisfaction. NORMAL DAY-TO-DAY WORK<ol><li>Manages all accounts actively in bankruptcy and post-bankruptcy resolution.</li><li>Actively reviews all open bankruptcies for agreeability to presented treatment of accounts, applicable objections, and ensures all court stipulated deadlines are met.</li><li>Determines when collection efforts are not successful and consult with Default Manager before proceeding with foreclosure.</li><li>Actively maintains relationships with internal teams and individuals to ensure support of accounts impacted by bankruptcy.</li><li>Stays current with pending regulatory and state law changes that could impact Bankruptcy processes.</li><li>Communicates with attorneys, court appointed trustees and borrowers as necessary as it pertains to bankruptcy activity.</li><li>Develops and/or enhances, implements, and manages accurate and timely functional reporting.</li><li>Manages day-to-day internal and external relationships establishing and monitoring service delivery/productivity/quality standards.</li><li>Provides recommendations to management on process improvement opportunities within the department and outside where applicable to minimize risk exposure.</li><li>Follows departmental and organizational policies and procedures with strict adherence.</li><li>Takes ownership for actions, decisions, and results; openly accept feedback and demonstrate both the willingness and ability to improve.</li></ol> JOB QUALIFICATIONSHere are a few skills you MUST have to be qualified for this position.<ol><li>Minimum of 4-6 years of experience in bankruptcy management or managing/servicing non-performing loan accounts.</li><li>Demonstrates knowledge and experience with the loss management life cycle and state and federal laws related to non-performing loans.</li><li>Must have strong analytical and organizational skills.</li><li>Experience developing and managing through policy.</li><li>Excellent verbal, written, presentation and leadership skills. Must possess a strong service orientation.</li><li>PC proficient including Microsoft Office (Word, Excel, PowerPoint, Access, Outlook) and the Internet.</li><li>Ability to function in a Consumer business office environment and utilize standard office equipment including but not limited to: PC, copier, telephone, etc.</li><li>Ability to lift a minimum of 25 lbs. (file boxes, computer).</li><li>Travel required on occasion.</li></ol>Here are a few qualities we'd LIKE for you to have to make you more suited for this position.1. BA/BS in Accounting, Finance or Business Management preferred.2. Collection experience at a Credit Union or other financial institution.3. 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<a href="mailto:careers@civicfcu.org" target="_blank">careers@civicfcu.org</a>Requirements: PI265738217

Bankruptcy Default Specialist

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 WORK<ol><li>Provide early and late-stage delinquency management by monitoring loan accounts and identify members who are at risk of becoming delinquent.</li><li>Proactively contact members via phone, email, or other communication methods to discuss their accounts and identify reasons for delinquency</li><li>Work with members to develop repayment plans, loan modifications, or other solutions to bring accounts current.</li><li>Ensure a consultative member approach to restructuring loans as necessary, providing direction on improving the financial outlook of the member in the future.</li><li>Accurately document all member interactions, payment agreements, and actions plans in the core collection system.</li><li>Provide members with information on financial education resources and tools to help them manage their finances and avoid future delinquencies.</li><li>Collaborate as necessary with other internal business units and resources to ensure a coordinated approach to loss prevention.</li><li>Assist the AVP of Risk Assessment and Loss Mitigation with reviewing reports on delinquency trends, member interactions, and recovery efforts.</li><li>Ensure all activities are in compliance with federal and state regulations, as well as Credit Union policies, guidelines, and procedures. </li><li>Take ownership for actions, decisions, and results; openly accept feedback and demonstrate both the willingness and ability to improve.</li></ol> JOB QUALIFICATIONSHere are a few skills you MUST have to be qualified for this position. <ol><li>Minimum 4-6 years experience in consumer loan product collections, financial services or related field. </li><li>Must have an understanding of accounting principles and business financial statements and tax returns.</li><li>Must be knowledgeable in the process of analyzing personal tax returns, personal financial statements, and credit bureau reports.</li><li>Experience with credit procedures, policies, regulations and laws, in addition to knowledge of bankruptcy and consumer law. </li><li>Strong interpersonal skills with ability to work in a team environment.</li><li>Ability to function in a Consumer business office environment and utilize standard office equipment including but not limited to: PC, copier, telephone, etc.</li><li>Ability to lift a minimum of 25 lbs. (file boxes, computer).</li><li>Travel required on occasion.</li></ol> Here are a few qualities we'd LIKE for you to have to make you more suited for this position.<ol><li>Bachelor's degree in finance, Accounting, Economics, Business or related field required. </li><li>Prefer a minimum of 2-4 years of Credit Union consumer credit experience.</li><li>Knowledge of loan structuring and work-out solutions in desirable.</li></ol> 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 <a href="mailto:careers@civicfcu.org" target="_blank">careers@civicfcu.org</a> Requirements: PI266113184

Loss Mitigation Specialist

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 Digital Branch Specialist serves and supports the needs of our members and potential members. The individual in this role will communicate with members, 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 member related transactions. The Senior Digital Branch Specialist acts as a liaison between the Member Services Specialists and Management ensuring a collaborative environment that helps to facilitate a world-class experience. NORMAL DAY-TO-DAY WORK<ol><li>Develops member relationships by providing high-quality sales and service to each member and works with new and existing members to understand their financial needs and assists them in the selection of the appropriate financial services.</li><li>Interviews member loan applicants to develop information concerning their loan needs, earnings, and financial conditions.</li><li>Explains loan programs to member, evaluates their needs, and recommends loan options based on currently offered products.</li><li>Ensures compliance with all applicable laws, regulations and Credit Union policies and procedures as they relate to products, including, but not limited to: Truth in Savings and Fair Credit Lending Practices. Identify potential red flags to detect fraud and prevent losses. Adhere to all Credit Union security policies and procedures.</li><li>Inform members about products and services other than those requested (including current promotions) based on the member's financial information learned during interactions.</li><li>Complete member and loan applications and escalate to the lending department as necessary.</li><li>Promptly respond to communication and inquiries from members, potential members, and Experience center agents through various communications channels included but not limited to: phone calls, web chat, text message, video conference, and social media.</li><li>Provide quality service to members, potential members and the community while achieving established quantitative and qualitative service level metrics.</li><li>Establish and maintain effective, professional relationships with members. Resolve member requests and respond to questions promptly and courteously while maintaining confidentiality.</li><li>Use tact and experience-based knowledge to resolve escalated member issues and concerns by explaining policies and products while representing the Credit Union in a professional manner.</li><li>Participate in beta-testing for possible workflow and process improvement and provide feedback to internal/external resources as needed.</li><li>Take ownership for actions, decisions, and results; openly accept feedback and demonstrate both the willingness and ability to improve.</li></ol> JOB QUALIFICATIONS Here are a few qualifications you MUST have to be qualified for this position. <ol><li>Minimum 1 – 3 years of member servicing experience, inclusive of lending and/or account opening experience, or have a Bachelor's degree in Business, Finance, Lending, or relevant area and experience in financial services.</li><li>Must be team oriented, results driven, and self-motivated.</li><li>Knowledge of financial products, ability to master online banking and digital platforms.</li><li>Must be able to work onsite at Credit Union administrative headquarters.</li><li>Must be able to work 8-hour shifts within core operating hours (8:00 am – 6:00 pm), as well as the occasional weekend and holiday.</li><li>Ability to function in a Consumer business office environment and utilize standard office equipment including but not limited to: PC, copier, telephone, etc.</li><li>Ability to lift a minimum of 25 lbs. (file boxes, computer printer).</li><li>Travel required on occasion.</li></ol> Here are a few qualifications we'd LIKE for you to have. <ol><li>Four-year degree from an accredited college/university.</li><li>Financial industry experience.</li><li>Must be able to manage multiple priorities and accounts in fluid environment while maintaining accuracy in all details.</li><li>Excellent organizational, time management and problem-solving skills.</li><li>Must be comfortable using various technology platforms.</li><li>Excellent verbal, written, telephone and interpersonal communication skills.</li></ol> OUR CULTUREIf you have questions about this position description, please feel welcome to ask. You can reach HR at:Human Resources3600 Wake Forest Rd, Raleigh, NC 27609<a href="mailto:careers@civicfcu.org" target="_blank">careers@civicfcu.org</a>Requirements: PI265738210

Senior Digital Branch Specialist

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 WORK<ol><li>Prepare 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.</li><li>Perform monthly trend/variance/ratio analysis and provide context to material differences to forecast team, including a comparison of budgeted, forecasted, and actual results.</li><li>Provide insightful recommendations based on analysis to improve budget/forecast performance by evaluating monthly results of capital expenditures, non-interest income and operating expenses.</li><li>Develop and maintain a set of assumptions/business calculations to be incorporated into the working forecast and approved budget.</li><li>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.</li><li>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.</li><li>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.</li><li>Work with institutional warehouse data to define the optimal way to collect, store, retrieve and analyze the data.</li><li>Review expenses, accruals and other financial information; partner with Accounting Analysts to coordinate adjustments.</li><li>Work directly with Management to ensure the delivery of fair, accurate, and timely items requested for financial audits and regulatory examinations.</li><li>Take ownership for actions, decisions, and results; openly accept feedback and demonstrate both the willingness and ability to improve.</li></ol> JOB QUALIFICATIONSHere are a few skills you MUST have to be qualified for this position. <ol><li>4 - 6 years of experience in Financial Accounting or Data Analysis. </li><li>Advanced user of financial software (e.g., Excel, Sage Intacct, Workday Adaptive, Oracle, Hyperion, SAP) and data analysis tools.</li><li>Demonstrated proficiency in data analysis, strong analytical skills and ability to interpret complex financial data and provide meaningful insights.</li><li>Ability to function in a Consumer business office environment and utilize standard office equipment including but not limited to: PC, copier, telephone, etc.</li><li>Ability to lift a minimum of 25 lbs. (file boxes, computer).</li><li>Travel required on occasion.</li></ol> Here are a few qualities we'd LIKE for you to have to make you more suited for this position.<ol><li>BA/BS in Business, Accounting, Finance, Mathematics, Statistics or other analytical field of study.</li><li>Experience with preparation of complex financial statements for a financial institution.</li><li>Proven experience educating non-financial professionals about Budgeting and/or Accounting.</li><li>Experience with business intelligence, database mining, and statistical analysis tools (such as SAS or Access).</li></ol> 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 <a href="mailto:careers@civicfcu.org" target="_blank">careers@civicfcu.org</a> Requirements: PI266044497

Senior Reporting Analyst

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 Collateral Recovery Specialist is responsible for managing and maintaining all activities related to exercising remedies to protect the Credit Union's security interest in collateral pledged in loan obligations. The Collateral Recovery Specialist will actively manage collateral recovery from assignment through disposition and finalization. This position will be responsible for understanding and adhering to policies and procedures specific to exercising the Credit Union's right to secure collateral on defaulted loans. NORMAL DAY-TO-DAY WORK<ol><li>Follows all repossession policies, procedures, and regulations with strict adherence, prior to assigning any collateral for recovery. Follow all applicable policies, procedures, and collection laws to ensure minimal losses to the Credit Union.</li><li>Ensure timely assignment and review of all recovery-eligible accounts assigned to Default Management.</li><li>Manages activities related to collateral location identification and skip tracing. Actively manages and reviews current inventory of collateral to ensure timely disposition and makes data-driven decisions on collateral reconditioning.</li><li>Ensures all notices to borrowers are sent timely and in compliance with state and federal law. Assists with escalated actions, such as litigation, in pursuit of timely collateral recovery.</li><li>Maintains strategic knowledge of collateral types to maximize value based on condition, geographic location, and other factors.</li><li>Maintains oversight of collateral insurance policies and claim types as it pertains to the recovery and recondition of collateral. This includes but is not limited to, borrower insurance policies and Collateral Protection Insurance.</li><li>Regularly communicates with Loss Mitigation team(s) to ensure all collateral recovery recommendations are reviewed and any collateral recovery strategies are actively being implemented.</li><li>Ensures all proceeds from the disposition of collateral are applied accurately and timely.</li><li>Holds vendor relationships accountable for timely response and progression of accounts assigned for recovery.</li><li>Regularly reviews performance of collateral recovery agents to ensure practices are consistent with Credit Union values and policies.</li><li>Maintains accurate documentation of collection activity records to ensure effective internal communication and legal processing.</li><li>Provides a superior member experience by actively listening to and assessing the needs of the member, identifying and recommending solutions, and referring members to the appropriate person or department.</li><li>Assists management with the development of departmental procedures to ensure that collection activities are handled in an effective, efficient, and consistent manner. Stay abreast of industry regulations and guidelines.</li><li>Take ownership for actions, decisions, and results; openly accept feedback and demonstrate both the willingness and ability to improve.</li></ol> JOB QUALIFICATIONSHere are a few skills you MUST have to be qualified for this position.<ol><li>Minimum 4 – 6 years' experience in collateral recovery.</li><li>Excellent verbal, written, telephone and interpersonal communication skills.</li><li>Excellent organizational skills and attention to detail.</li><li>Strong analytical and problem-solving skills.</li><li>PC proficient including Microsoft Office (Word, Excel, PowerPoint, Access, Outlook) and the Internet.</li><li>Ability to function in a Consumer business office environment and utilize standard office equipment including but not limited to: PC, copier, telephone, etc.</li><li>Ability to lift a minimum of 25 lbs. (file boxes, computer).</li><li>Travel required on occasion.</li></ol>Here are a few qualities we'd LIKE for you to have to make you more suited for this position.<ol><li>BA/BS in Finance or Business Discipline</li><li>Previous financial institution work desired.</li><li>Collection experience at a Credit Union or other financial institution.</li></ol>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<a href="mailto:careers@civicfcu.org" target="_blank">careers@civicfcu.org</a>Requirements: PI265738218

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