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Credit Union Careers

A listing of credit union job openings and applicants seeking jobs in Tennessee credit unions.

 

 

This is a free service to League member credit unions and personnel and imply neither endorsement nor recommendation on the part of the League. To advertise a credit union opening, obtain a copy of a resume, or run an ad seeking a new credit union position, contact Trish Patterson at (423) 899-2425 or (800) 572-7359, ext. 1208 or fax to (423) 899-8726. Posts will be deleted after 3 months.

 

Positions Available:

 

POS 971-0415 Accountant

 

Immediate opening for Accountant. Responsible for complex data tracking and interpretation including economic and financial impact considerations and regulatory reporting. Requires strong background in statistical analysis, asset/liability management, and report writing.  Must be thoroughly proficient in spreadsheet macro programming.  Credit union experience with knowledge of investment accounting and WisdomTM Accounting/ALM Suites is a plus. 

 

Excellent wage and benefit package available.  Equal Opportunity Employer. Please send resume, salary requirements, and date available for work to:   (email) HR@BeMyCU.org and (postal mail) Human Resource Manager, 980 Jason Witten Way, Elizabethton, TN  37643.

 

 

POS 972-0515 Vice President of Lending

 

Bowater Employees Credit Union, a $145 million credit union in southeastern Tennessee, is seeking an experienced lending professional to manage its growing lending operations. 

 

The ideal candidate will be hands-on, self-motivated, and have innovative operational ideas; have experience with both open-end and closed-end lending; be proficient in mortgage underwriting; be able to establish and carry out plans on their own; be results-oriented; and work well within a team environment. 

 

Requirements include a bachelor’s degree in business or equivalent experience, 5+ years of experience in lending and supervision (preferably in a credit union environment), and proficiency in Microsoft Office.   Experience with Fiserv Portico and Loancierge platforms is a plus. 

 

Responsibilities include coordinating lending staff at five locations, making loan decisions, and developing and implementing service improvements.  The position reports to the President/CEO and is a part of the management team.

 

We offer a competitive salary as well as a family-friendly benefit package, including health, vision, dental, short-term and long-term disability insurance, 401(k) matching, and 401(k) profit-sharing plans.

 

Send cover letter, résumé, and salary requirements to:

Bowater Employees Credit Union

Human Resources

PO Box 359

Calhoun, TN 37309

Or email: employment@bowaterecu.org

No phone calls, please.

 

 

POS 973-0515 Member Service Representative


Duties
Opens new accounts, explain services offered to potential member, Cross-sells services to existing members and places debit card orders.
Provided primary teller service to walk-in members.


Great work environment, great hours (8am-4pm) Mon-Fri. No weekends

Please send resume to: aroundtree@parthenonfcu.org

 

 

POS 974-0515 Teller

 

First Eagle Federal Credit Union is looking to fill a teller position.

 

Reports To: Branch Manager

FLSA Status: Non-Exempt

 

Summary:

Represent the Credit Union in a courteous and professional manner and provide prompt, efficient and accurate service in the processing of transactions.

 

Essential Duties and Responsibilities include the following.  Other duties may be assigned.

Receive cash and checks for deposit to member accounts, examine checks for proper endorsement and enter into computer system placing proper check holds.

Cash checks and process cash withdrawals and cashier check withdrawals, payout money after verification of signatures and member balances.

Promote and cross-sell additional services to members.  Explain benefits of products and services.

Post loan payments, IRA and share certificate deposits.

Sell money orders and cashier checks.

Process MasterCard payments and cash advances.

Process member mail transactions.

Respond to members’ questions, problems and/or direct them to the proper person for specific information and assistance.

Assist member with proper completion of payroll deduction, ACH and wire transfer forms.

Balance cash, checks and miscellaneous transactions against computer totals at the end of each day.  Report any discrepancies to supervisor immediately, scan checks daily.

Lock Teller cash drawer in vault and secure all other negotiable instruments.

Verify cash shipments from the Federal Reserve Bank weekly or as shipment is needed.

  

Qualifications:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.  The requirements listed below are representative of the knowledge, skill, and/or ability required.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

 

Education/Experience:

High school diploma or general education degree (GED); or one to two years’ related experience and/or training; or equivalent combination of education and experience.  Sales and Cash handling experience are required.

 

Language Ability:

Ability to read and comprehend simple instructions, short correspondence, and memos.  Ability to write simple correspondence.  Ability to email account holders and co-workers in a professional, concise manner. Ability to effectively present information in one-on-one and small group situations to customers, clients, and other employees of the organization.

 

Math Ability:

Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals.  Ability to compute rate, ratio, and percent and to draw and interpret bar graphs.

 

Reasoning Ability:

Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form.  Ability to deal with problems involving several concrete variables in standardized situations.

 

Computer Skills:

To perform this job successfully, an individual should have knowledge of Word Processing software including Microsoft Word and Windows based applications.

 

Certificates and Licenses:

No certifications needed.

 

Supervisory Responsibilities:

This job has no supervisory responsibilities.

 

Work Environment:

The work environment characteristics described here are representative of those an employee encounters while performing 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 occasionally exposed to risk of electrical shock and shredding out-dated material. The noise level in the work environment is usually moderate.

 

Physical Demands:

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 stand, walk and talk or hear.  The employee is frequently required to stoop, kneel, crouch, or crawl.  The employee is occasionally required to sit; use hands to finger, handle, or feel; reach with hands and arms and climb or balance. The employee must occasionally lift and/or move up to 20 pounds.  

 

Send résumés to hheidenway@firsteaglefcu.org.

 

 

POS 975-0615  Member Services Position

 

Scenic Community Credit Union (formerly Dupont Community Credit Union) located in the Chattanooga, Tennessee area is seeking a qualified candidate to be a part of the Member Services department. Reporting to the Member Services Supervisor, this individual will be responsible for processing ACH, share drafts, debit and credit card disputes and research, filing card loss claims, wire transfers, working directly with other departments and members to resolve issues, and other related tasks. The successful candidate will have a minimum of two years’ experience processing ACH within a financial institution, with an Accredited ACH Professional (AAP) designation preferred.  No phone calls or agencies.

 

Mail resumes to:

Scenic Community Credit Union

Attn: Member Services Supervisor

P.O. Box 1058

Hixson, TN 37343

 

Resumes may also be emailed to bedwards@MySCCU.com

 

 

POS 977-0615 Vice President of Lending

Service One Credit Union in Bowling Green, KY, where southern hospitality blends perfectly with a unique town on the move is seeking a high-caliber Vice President of Lending. This executive is responsible for the strategic direction of all loan programs consisting of indirect, mortgages, general consumer, member business lending, student loans and credit card portfolio. Makes sound underwriting decisions and ensures legal and regulatory compliance. They will also be asked to implement internal controls and quality assurance programs, and oversee the asset protection program to mitigate loan losses, maintain manageable delinquencies, disposition of assets and recommending loans for charge off. Excellent leadership and communication skills are critical to ensure fulfillment of the credit union’s vision. Bachelor’s degree, 5 years lending experience with 5 years in a senior mgt. capacity required to support this growing institution of $130MM in asset.

 

Contact Bryan at Bryan.Hanks@JMFA.com

 

 

POS 978-0615 Executive Vice President/Chief Operations Officer


Service One Credit Union in Bowling Green, KY, is currently seeking an Executive Vice President/ Chief Operations Officer to replace a retiring executive. This leader will be responsible for the overall supervision and direction of the operations of the branches and delivery of products and services to members. They will be asked to ensure all deposit, sales and service programs are in compliance with state and federal regulations, and lead teams to achieve sales, service and productivity excellence. During absences of President, acts a spokesperson of the credit union. As the most responsible senior operations position, requires a complete and thorough knowledge of both depository and consumer loan regulations and procedures. They must demonstrate the ability to interface with all disciplines within the Credit Union to attain and exceed organizational goals and objectives, and think strategically while handling a large volume of detail and uniformly direct the activities of subordinates. Bachelor’s degree, 7 years’ experience in a senior management role within a financial institution required to support this growing institution of $130MM in assets.

 

Contact Bryan at Bryan.Hanks@JMFA.com

 

 

POS 979-0616   MANAGER OF INTERNAL AUDIT

Reports To: Supervisory Committee, President/CEO (See Reporting Section)

Supervises: Staff Auditors

Salary Range: 15S

Classification:  Exempt (Salary) 

General Summary: Under general supervision of the Supervisory Committee, perform detail operational, compliance, financial, and investigative audits for the credit union and branches; evaluate audit findings and prepare/present the results and recommendations to the Supervisory Committee (SC), the Board of Directors (BOD) and management.  

Essential Functions

Develop and prepare a comprehensive annual audit plan to ensure compliance with federal and state regulations.

Plan the scope of audits and the procedures to be used to conduct detail initial and follow-up operational, financial, administrative, and other audit/internal control reviews in accordance with the annual audit plan and professional standards.

Prioritize audit tasks, keep SC informed of audit progress and manage the audit so that time is efficiently used, deadlines and budgets are met, and the credit union’s quality assurance standards are maintained.

Use standard audit techniques to obtain, verify, analyze and appraise data, transactions and records as a basis for providing an objective opinion on the performance of the business activity and the effectiveness of key risk management activities.

Perform survey of operations, functions, or activities and gather information on key business risks; evaluate the adequacy and effectiveness of the controls, duplication of effort, fraud, or lack of compliance with established policies and procedures; present recommendations of procedures to eliminate any material weaknesses in internal control.

Evaluate audit findings and timely prepare, submit, and present the final written report and action plans to the SC, the BOD, and President/CEO.

Present recommendation of procedures to eliminate any material weaknesses in the approved systems of internal controls to the SC, BOD, and President/CEO and develop recommendations for improvement.

Develop and maintain organized, accurate and competent work papers ensuring that documentation clearly supports the conclusions regarding each audit objective.

Provide information and sound recommendations to the SC, BOD, and President/CEO.

Auditor should address deficiencies and suggest improvements to officials and/or co-workers competently by building strong official and employee relationships through professionalism, facilitative communications, and constructive responses to credit union’s needs.

Auditor should interact with credit union employees in a professional manner while maintaining confidentiality in all areas.

Audit new accounts for compliance with Customer Identification Program.

Serve as resource for questions concerning Customer Identification Program.

Establish the procedures and design processes that result in departmental productivity and efficiency.

Participate in the development of long-range plans and budgets that contribute to overall profitability and growth.

Manage and oversee expenses.  Pursue cost-saving measures.

Supervise the credit union’s compliance function in area of responsibility.

Effectively supervise personnel, ensuring optimal performance.

Provide leadership to assigned personnel through effective objective setting, delegation, and communication. Conduct staff meetings as required.  Assign, direct, and coordinate work.

Ensure that personnel are well trained, effective, and optimally used.  Instruct personnel regarding policy, procedure, and program changes and ensure that they are well informed regarding related legal and regulatory developments.

Conduct performance appraisals as required.  Formulate and implement corrective actions as needed.

Ensure that staffing levels are appropriate and human resources are effectively utilized.  Conduct interviews and assist with hiring as needed.

Assume responsibility for ensuring that professional business relationships are established and maintained with members, vendors, the business community, and trade organizations.

Contribute advice during Strategic Planning sessions to ensure that corporate goals and objectives are developed with sound auditing principles in mind.

Coordinate and act as liaison with the SC, the BOD, President/CEO, staff, and external auditors and law enforcement investigations, as needed.

Consult with and advise the SC, BOD, President/CEO, and staff on operational and administrative issues.

Keep abreast of Credit Union (CU) policies and procedures, current developments in accounting and auditing professions, and changes in local, state, and federal laws, as applicable.

Complete special audit projects as assigned by the SC and/or President/CEO.

Marginal Functions

Perform other job-related duties as assigned, including but not limited to, training initiatives and other support activity. 

Reporting

To maximize the effectiveness of the internal auditor to the credit union and to maintain his or her independence, the specific relationships of the internal auditor, the BOD, the SC, and the President/CEO and senior management generally are described below: 

The internal audit department generally derives its existence from executive management and from the supervisory committee. The department’s effectiveness, even its continued existence, depends on their strength and the support of management and the SC. 

The functional reporting (i.e., audit reports and activities) is necessary because of the supervisory responsibility for the safety and soundness of the credit union. 

Administrative reporting to the President/CEO (e.g., vacations, hours worked, personnel matters, equipment needs) is required as this position is responsible for the operational efficiency of the credit union.  Consequently, to be able to perform this function, the president also receives copies of the material presented to the SC. 

The SC and the President/CEO act as a tandem team in the supervision of the internal audit department, thereby ensuring its independence.

Formal reports must be completed monthly, describing what work has been done, relevant findings, corrective action taken and current status. These reports will be distributed to the SC and the President/CEO. 

The SC will report monthly to the board on the activities of the internal auditor.

Acting as credit union liaison with NCUA examiners and CPA auditors.

Other board contact with the internal auditor should be through the normal channels of communications, the SC or the President/CEO.

The internal auditor’s daily work assignment will be based on the SC’s approved audit schedule and other special audit projects as assigned by the SC and/or the President/CEO.  The priorities of the internal auditor should be mutually agreed upon by the supervisory committee and the president.

The hiring, firing and evaluation of the internal auditor should be done jointly by the SC and the President/CEO.

Any disagreement between the SC and the President/CEO will be referred to the executive committee of the board for resolution.

Minimum Qualifications/Skills/Abilities Required

Four year degree in Accounting or Finance or equivalent experience.

Four to six years of internal auditing work experience and a working knowledge of the Sarbanes-Oxley Act is required.

Certified Internal Auditor (CIA) or Certified Public Accountant (CPA) desired.

Strong analytical skills and able to identify audit risk and appropriate testing procedures.

Strong financial/internal auditing background with a thorough understanding of internal control testing procedures and documentation of controls.

Knowledge of public auditing policies, standards, and procedures.

Ability to manage concurrent deadlines with multiple priorities and adapt to new challenges and changes in management directions.

Ability to effectively interact positively with all levels of staff and management to communicate accounting information, policies, and/or procedures in a manner easily understood.

Spreadsheet software skills to quantify and illustrate financial reports, comparisons, impacts, and/or projections.

Ability to clearly and concisely document and present work product.

Ability to analyze processes, solve problems, and make recommendations for improvements.

Excellent written and oral skills required in order to communicate with credit union employees, as well as, outside credit union contacts.

Knowledge of current changes and/or developments in applicable federal, state, local laws, and universal policies and procedures.

Regular and reliable attendance is required.

Must possess a valid, unrestricted driver's license for occasional travel to various credit union branches.

Working knowledge of computer programs including Microsoft Windows, Word, Excel, Outlook, and internet.

Ability to operate related office equipment including calculator, computer terminal (PC), multifunction copier, receipt printers, microfiche and microfilm machines, and telephone. 

Physical Activities/Working Environment Requirements

Talking: Especially where one must frequently convey detailed or important instructions or ideas accurately, loudly, or quickly. 

Average Hearing: Able to hear average or normal conversations and receive ordinary information.

Finger Dexterity: Using primarily just the fingers to make small movements such as typing, picking up small objects, or pinching fingers together.

Repetitive Motion: Movements frequently and regularly required using the wrists, hands, and/or fingers.

Average Visual Abilities: Average, ordinary, visual acuity necessary to prepare or inspect documents or products, or operate machinery.

Physical Strength: Intermittent standing, seated and/or walking may occur during the course of a normal business day. Employees must be able to exert up to 10 lbs. of force occasionally.  (Almost all office jobs.)

Stress Levels: Employee may be exposed to mild to moderate stress levels associated with the performance of job duties as described.

Danger Levels: While every precaution is taken to avoid exposing credit union employees to dangers in the workplace, working in a branch location may expose employees to certain hazards in the event of criminal activity including robbery and/or attempted robbery.

Contact Carly O'Kelley at cokelley@ascendfcu.org or apply online at https://www.ascendfcu.org/apply-now

 

 POS 980-0615  MARKETING MANAGER

Reports To:  Senior Vice President/Chief Marketing Officer

Supervises: 

Salary Range:  14S

Classification:  Exempt

General Summary: Operating at the center of the marketing department, the Marketing Manager holds ultimate responsibility for the credit union’s marketing activities and oversees the development and delivery of a fully integrated marketing strategy for the business.in order to attract potential members and retain existing ones.

Relied on for profitability and results, the Marketing Manager is a professional with extraordinary communication skills

Essential Functions

Works with executives to determine budgets and targets.

Guides and directs the marketing team in day-to-day tasks.

Plans and oversees implementation of marketing and communication strategies for new and existing products, promotional campaigns, events, digital marketing, and Public Relations.

Develops and manages marketing campaigns from concept to execution to measurement.

Develops marketing program business plans, creates timelines, sets budgets, develops strategies and tactics, and executes effectively.

Collaborate with sales manager and channel managers to drive marketing programs.

Works closely with the Sales team; enabling them to meet their objectives by providing them with appropriate tools, materials and presentations.

Manages social media presence and directs programs to improve social media
reputation and recognition.

Leads market research efforts to uncover the viability of current and existing products, services, locations and channels.

Acts as liaison with third-party vendors (media organizations, advertising agencies, etc.).

Develops pricing strategies for products and services.

Undertakes continuous analysis of competitive environment and consumer trends.

Lead agencies and internal team members where appropriate to execute all communication activities and public relations (marketing materials, advertising, client communications, direct mail, marketing campaigns, press releases, content for trade publications, etc.).

Monitors and reports on effectiveness of marketing communications.

Works closely with design agencies to create a wide range of different marketing materials and assisting with new product launches.

Maintains effective internal communications to ensure relevant staff are kept informed of marketing objectives.

Analyzes potential strategic partner relationships for company marketing.

Monitor production of marketing materials.

Liaise and correspond with outside vendors and suppliers.

Oversee distribution of marketing materials.

Oversee the writing of press releases, copy for marketing materials, annual reports, advertisements, and other related material.

Liaise with public relations and media contacts.

Help prepare and conduct product presentations.

Help plan, coordinate and participate in marketing events.

Execute direct marketing campaigns.

Update company website and social media tools.

Conduct market research.

Monitor competitive activity and market trends.

Monitor and assess member feedback.

Ensures member demographic data is maintained effectively via marketing database (MCIF) systems.

Tracks, collects and analyzes data to prepare marketing reports.

Communicate with sales and service staff regarding product and pricing changes.

Maintain promotional materials inventory.

Maintain archive of marketing materials.

Ensures marketing activities comply with state and federal regulations.

Develops of key messages for all audiences to communicate our core brand identity.

Manages media relations, researches editorial opportunities and builds relationships with key industry media.

Ensures all messaging is consistent with overall marketing and communication objectives.

Builds and maintain strong relationships with internal and external key stakeholders to ensure proper messaging of company beliefs and service offerings.

Provide monthly reporting to the Chief Marketing Officer. Will include but not be limited to reporting on the status of prioritized marketing and communication activities. Reporting will be both historical and forward looking.

Contributes to the total effectiveness of the department, communicating openly, solving problems proactively, offering creative ideas and working as a positive, engaged team member.

Manages all aspects of print production, receipt and distribution.

Resolves issues and solve problems that may occur throughout the lifecycle of a campaign or project.

Reports program milestones.

Manages digital marketing efforts including, social media, SEO/SEM, list development and online advertising.

Develops tools and best practices to manage the execution of marketing programs/projects.

Frequent contact with sponsor groups, member representatives and vendors that requires a high degree of tact, friendliness and patience.

Must be able to exercise judgment, initiative and tact during frequent contact with membership, staff, supervisors and management team.

Plays an active role in helping the credit union function smoothly and efficiently as a team.

Read all internal publications including The Source and Possibilities.

Marginal Functions

Expertise in electronic marketing platforms (Web and email) to aid in ability to develop and manage vendor relationships (printer, Web site host, multi-media provider, etc.)

Must present a high degree of poise and tact to represent the credit union in a professional and positive manner while representing Ascend Federal Credit Union.

Must possess exceptional skills related to telephone, interpersonal, written, and public speaking communication. Must be able to articulate ideas in a friendly, open, up-beat manner utilizing meticulous grammar, word choice, spelling and punctuation to build trust and rapport with all audiences.

High degree of organizational ability to handle multiple tasks accurately and completely while meeting deadlines.

Perform other job duties as required and/or assigned.

Minimum Qualifications/Skills/Abilities Required

Proficient in PC applications of Microsoft Word, Excel, and PowerPoint. Familiarity with Adobe programs including Illustrator, Pro and Acrobat. Familiarity with HTML code and working with a WYSIWYG system for Webmaster tasks. Able to effectively use office machinery including a PC, telephone, calculator, and multifunction copier.

Bachelors or Master’s degree in Marketing or three to five years similar or related experience.

Confident, driven and dynamic leader.

Professional judgment and discretion that comes from experience in the field.

Proven track record of success in marketing roles.

Background in digital audience analysis, market research, and web analytics. Google Analytics preferred.

Superior communication, writing and editing skills and ability to demonstrate versatility in writing formats, including online.

Budget-management skills and proficiency.

Intimate understanding of traditional and emerging marketing channels.

Familiarity with the latest trends, technologies and methodologies in graphic design, web design, production, etc.

Entrepreneurial mindset with the ability to spot original branding opportunities.

Strong analytical and project management skills to forecast and identify trends and challenges.

Strong creative outlook, ability to think creatively and innovatively.

Knowledge of marketing tools and techniques.

Proficient in relevant computer applications.

Experience with Search Engine Optimization and Search Marketing Optimization.

Proficient in HTML and MS Office.

Experience with social media platforms.

Proven experience in creating and executing successful online campaigns.

Experience with vendor management.

Regular and reliable attendance is required.

Must possess a valid, unrestricted driver’s license.

Ability to be trained in all areas of credit union operations, policies and procedures

Physical Activities/Working Environment Requirements

Talking: Especially where one must frequently convey detailed or important instructions or ideas accurately, loudly, or quickly.

Average Hearing: Able to hear average or normal conversations and receive ordinary information.

Finger Dexterity: Using primarily just the fingers to make small movements such as typing, picking up small objects, or pinching fingers together.

Repetitive Motion: Movements frequently and regularly required using the wrists, hands, and/or fingers.

Average Visual Abilities: Average, ordinary, visual acuity necessary to prepare or inspect documents or products, or operate machinery.

Physical Strength: Intermittent standing, seated and/or walking may occur during the course of a normal business day. Employees must be able to exert up to 10 lbs. of force occasionally.  (Almost all office jobs.)

Stress Levels: Employee may be exposed to mild to moderate stress levels associated with the performance of job duties as described.

Danger Levels: While every precaution is taken to avoid exposing credit union employees to dangers in the workplace, working in a branch location may expose employees to certain hazards in the event of criminal activity including robbery and/or attempted robbery.

 

Contact Carly O'Kelley at cokelley@ascendfcu.org or apply online at https://www.ascendfcu.org/apply-now

 

POS 981-0615  MBL CUSTOM UNDERWRITER

Reports To:  Business Solutions Lending Manager

Supervises:    None

Salary Range: 10

Classification:  Non-exempt

General Summary: Underwrite business loan relationships up to the maximum amount of total MBL exposure allowable per policy guidelines using analytical financial methods designed to identify, assess and then mitigate transaction risks associated with financing projects.

Essential Functions

Responsible for spreading business and individual tax returns and financial statements per GAAP and internal credit policies using Excel and/or prescribed financial analysis software packages.

Function as part of a team to prioritize credit submissions in order to respond quickly, efficiently and proactively regarding lending opportunities.   

Consistently ensure compliance with established credit union policies, underwriting guidelines, and regulatory requirements while utilizing a high degree of independence in solving problems and making credit decisions. Mitigate risk and overcome obstacles to successfully grow the portfolio while not degrading quality. 

Review requests submitted for underwriting for completeness and communicate any deficiencies with Business Loan Advisor via email to obtain missing financial information in a timely manner to optimize member service standards.

Complete credit memo for recommended approvals to include a well-defined purpose of the loan, accurate amount, proposed structure and rate, payment, loan fee information,  LTV, borrower history, financial analysis, identification of any policy/procedure exceptions with appropriate mitigation and completion of risk rating worksheet to present for approval.

Present loan requests for approval or denial through appropriate decision making channels.

Contribute to the management of the MBL portfolio to include:

Updating of spreads and covenant monitoring during the annual review process for assigned portion of portfolio;

Preparing risk rating downgrades/upgrades for loans and submitting for approval; and

Assist in preparation for annual regulatory examination and internal audit reviews.

Provide a complete loan package to the Member Business Lending Assistant to include approved credit memo, risk rating, cash flow, ratio analysis, PFS analysis, LTV worksheet and supporting documentation, industry and peer analysis, complete financial information, credit bureau information, complete application and personal financial statement and any other supporting information to remain in loan file.

For declines and incomplete applications, complete adverse action notice.

Track, log and provide daily, weekly, monthly, quarterly reporting of production statistics as defined by management.

Document policy/procedure exceptions in spreadsheet and/or prescribed financial analysis software for booked loans for which analysis was prepared.

Provide support to Business Solutions Lending Manager to create, update and/or maintain Business Solutions policy, procedure and operating manuals.

Attend Member Business Loan Committee meetings as required or requested.

Maintain up-to-date knowledge in cash flow analysis, collateral analysis, appraisal analysis, loan documentation and lien perfection by participating in on-going training.

Read all internal publications including Source and Possibilities.

Marginal Functions

Perform other duties and projects assigned.

Minimum Qualifications/Skills/Abilities Required

Four year college degree in accounting or finance, with 7 years of experience in an underwriting or related role analyzing business and personal tax returns.

Must possess a strong background and understanding of finance and accounting and be familiar with business ratio analysis.

Thorough and accurate knowledge of MBL policies and procedures. 

Self-starter with ability to complete tasks under minimal supervision.

Demonstrated effective time management and organizational skills to prioritize tasks in order to complete within service standard requirements.

Possess a high level of problem solving skills and sound judgment with the ability to communicate in a clear, concise manner.

Strong knowledge of financial products and services.

Excellent verbal and written communication skills to communicate professionally.

Regular and reliable attendance is required.

Must possess a valid, unrestricted driver license.

Proficient analytical skills with high degree of computer literacy and fluency in various Microsoft programs, standard spreadsheet tools and job specific software applications.

Ability to operate or have ability to be trained to operate related office equipment, including calculator, computer terminal (PC), multifunction copier, receipt and check printers, telephone and typewriter.

Physical Activities/Working Environment Requirements

Talking: Especially where one must frequently convey detailed or important instructions or ideas accurately, loudly, or quickly.

Average Hearing: Able to hear average or normal conversations and receive ordinary information.

Finger Dexterity: Using primarily just the fingers to make small movements such as typing, picking up small objects, or pinching fingers together.

Repetitive Motion: Movements frequently and regularly required using the wrists, hands, and/or fingers.

Average Visual Abilities: Average, ordinary, visual acuity necessary to prepare or inspect documents or products, or operate machinery.

Physical Strength: Intermittent standing, seated and/or walking may occur during the course of a normal business day. Employees must be able to exert up to 10 lbs. of force occasionally.  (Almost all office jobs.)

Stress Levels: Employee may be exposed to mild to moderate stress levels associated with the performance of job duties as described.

Danger Levels: While every precaution is taken to avoid exposing credit union employees to dangers in the workplace, working in a branch location may expose employees to certain hazards in the event of criminal activity including robbery and/or attempted robbery.

 

Contact Carly O'Kelley at cokelley@ascendfcu.org or apply online at https://www.ascendfcu.org/apply-now

 

POS 982-0615  ASSOCIATE COUNSEL

Reports To: VP/General Counsel

Supervises:  None

Salary Grade: 13S

Classification: Exempt

General Summary: Serve as Associate Counsel and provide legal services as assigned by VP/General Counsel on issues to ensure compliance with applicable laws, regulations, and credit union policies and to protect the credit union’s assets.

Essential Functions

Provide legal support to credit union collection efforts. Work with Collections Department, Legal Assistants, and when necessary outside counsel, to ensure legal action is timely, appropriate and cost effective.

Represent credit union in court in connection with obtaining judgments and handling bankruptcy actions, foreclosures and other related matters.

Respond to telephone calls and inquiries from members regarding letters received from the Associate Counsel, involving collection payment arrangements, bankruptcies, foreclosures, etc.

Prepare and file with the appropriate entity various legal documents such as complaints, summons, wage garnishments, levies on assets, probate claims, bankruptcy claims, etc. Review incoming documentation for any necessary response.

Handle various components of real estate property acquisitions and other real estate related matters as assigned by VP/General Counsel.

Review subpoenas and government agency requests, received by the credit union, for compliance with state and federal financial privacy regulations and respond appropriately. Provide legal advice and guidance to BSA, Fraud and Financial Privacy functions.

Conduct foreclosure sales and manage any REO properties as required after the foreclosure sale. Oversee the repair, listing and offers concerning the properties. Attend the closing as the credit union’s agent.

Serve as Records Retention Compliance Officer which includes researching and informing employees the length of time records should be maintained.

Maintain a current knowledge of the law, with emphasis in the area of financial institutions in order to provide expertise in legal counseling. 

Provide legal support to credit union supervisors and employees on problem matters involving members and other situations arising on a day-to-day basis as assigned by VP/General Counsel

Maintain Legal Department weekly Work Report.

Marginal Functions

Provide legal counsel and opinions to the credit union’s VP/General Counsel and management on operational issues. Analyze issues in light of state and/or federal legal requirements. Provide opinions to management in the context of business objectives.

Review and advise VP/General Counsel concerning the implications of new or revised laws affecting the credit union.

Participate in review of documentation changes and updates.

Assist with special projects, as needed.

Read all internal credit union publications, including Source and Possibilities.

Perform other duties as required and/or assigned.

Minimum Qualifications/Skills/Abilities Required

A law degree from an accredited college or university, and a licensed member of Tennessee bar (or eligible for membership).

Knowledge in the following areas is desired:

State and federal laws governing creditor practices

Financial Privacy Regulations

Real Estate

UCC

Trusts and Estate laws

State and federal laws governing guardianship, conservators, power of attorney or other types of representative capacity

BSA, Fraud, Identity Theft, OFAC, and AML regulations

Excellent research, writing and communication abilities.

A high level of problem solving skills.

A high degree of poise and tact to represent the credit union positively in outside contacts of importance to the credit union.

Ability and willingness to gain additional competencies and take on additional duties, including management and supervisory responsibilities.

Familiarity with the operations of a financial institution and applicable laws and regulations.

Working knowledge of computer programs including Word Perfect, Microsoft Outlook and internet.

Regular and reliable attendance is required.

Possession of a valid driver's license to operate a motor vehicle.

Must be able to operate or have the ability to be trained to operate related office equipment, including calculator, computer terminal (PC), multifunction copier, and telephone.

Physical Activities/Working Environment Requirements

Talking: Especially where one must frequently convey detailed or important instructions or ideas accurately, loudly, or quickly.

Average Hearing: Able to hear average or normal conversations and receive ordinary information.

Finger Dexterity: Using primarily just the fingers to make small movements such as typing, picking up small objects, or pinching fingers together.

Repetitive Motion: Movements frequently and regularly required using the wrists, hands, and/or fingers.

Average Visual Abilities: Average, ordinary, visual acuity necessary to prepare or inspect documents or products, or operate machinery.

Physical Strength: Intermittent standing, seated and/or walking may occur during the course of a normal business day. Employees must be able to exert up to 10 lbs. of force occasionally.  (Almost all office jobs.)

Stress Levels: Employee may be exposed to mild to moderate stress levels associated with the performance of job duties as described.

Danger Levels: While every precaution is taken to avoid exposing credit union employees to dangers in the workplace, working in a branch location may expose employees to certain hazards in the event of criminal activity including robbery and/or attempted robbery.

 

Contact Carly O'Kelley at cokelley@ascendfcu.org or apply online at https://www.ascendfcu.org/apply-now

 

 

 


Jobs Wanted:

 

APP-382-0115  I am looking for a Consumer Lending Position with a Credit Union in Nashville, TN. I believe in Credit Unions and the importance of the Members. I understand the need for a high level of member service and my goal as a Credit Union employee is to find balance for my clients in meeting their financial needs. As a Loan Officer, I also review the members deposit needs, future savings, retirement planning and goals so our Credit Union can become their full service financial institution. Please contact Trish Patterson for a copy of my resume.

 

APP 383-0215 Confident business development and marketing professional with over 10 years of business development, marketing and sales experience and 5 years of credit union experience seeking credit union business development/marketing position in Knoxville TN area. Please contact Trish Patterson for a copy of my resume.

 

APP-384-0415 Currently, President CEO/CFO of 6000 member $40,000,000 credit union. Looking to provide my years of experience to another Credit Union. Relocation is acceptable. Preference would be a position in the accounting/back office processing departments, but would consider other positions. Please contact Trish Patterson for a copy of my resume.

 

APP-385-0515 Looking to relocate to either the Nashville or Knoxville area. I am looking for a full time compliance/fraud position but I would consider part time if it was a the right position. I have 7 1/2 years of Compliance Officer work, 14 years of credit union operations experience and 14 years of credit union IT experience. I am also a CUNA certified (CUCE) compliance officer. Please contact Trish Patterson for a copy of my resume.

  

 

 

 

       
Tennessee Credit Union League
P.O. Box 21550
Chattanooga, TN  37424-0550
Phone: 423-899-2425  or  800-572-7359
FAX: 423-899-8726
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