USE Credit Union

USE Credit Union Job ID 2 Job Locations US-CA-San Diego Category Real Estate Type Regular Full-Time More information about this job Overview Are you Service-Driven and Detail Oriented? Do you thrive in a fast-paced environment? USE's Real Estate Department is the perfect place for you! As a Real Estate Loan Processor, you'll have the chance to create an effortless member expereince and help members achieve their dreams. Become part of a team that is key in delivering extraordinary experiences. Do you have what it takes? Responsibilities Process 1st and 2nd Trust Deed loan applications according to credit union and secondary marketing lending standards; along with state and federal regulations. Proficiently maintain a loan pipeline of an average of 30 loans per month. Of the average pipeline, a minimum of 50% of the pipeline should fund monthly. Knowledge of RESPA and TRID guidelines. Proficient with credit union's conventional and non-conventional loan products. Prepares revised Loan Estimates (LE) and ensures accurate accounting of all fees. Ordering and obtaining all required loan documentation from borrowers to satisfy underwriting findings compiling the loan file in accordance with credit union and FNMA guidelines. This is be managed by working directly with loan officer, and or direct member contact. Request and review various file components including flood notification, credit report supplements, deposit statements, income verification and demands. Review the preliminary title report, escrow instructions and purchase contracts within LOS. Work with escrow and title companies to secure clear title and vesting on behalf of the lender. Order appropriate title policy endorsements, as applicable. Ability to read loan level price adjustments, rate sheets and determine correct rate, points and add-ons when applicable. Update borrowers, agents, and mortgage loan officers with loan status as stated in departments SLA. Review all types of income verification to include: wage earners, paystubs, Schedule C, corporate and rental income, etc. Determine salability of loans to secondary market investors. Ensure loan applications adhere to property type, occupancy, loan to value and loan amount guideline established by FNMA, USE Credit Union and secondary market guideline. Render credit decisions in a fair and impartial manner to the best of his or her ability. Review and all appraisal reports, to ensure reports meet all conventional secondary market requirements. Submit all appraisal reports through FNMA Collateral Underwriter (CU) and Uniform Collateral Data Portal (UCDP). Maintain strong working knowledge of current investor underwriting requirements, to include Fannie Mae, mortgage insurance companies, and other investors as business is developed. Perform processing tasks within the assigned service level agreements for position. Establish and maintain good working relationships with team members and retail network. Qualifications Bachelor's degree (B. A.) from four-year College or University; and/or equivalent combination of education and experience. Minimum of 3-5 years recent (last five years is considered recent) experience processing conventional mortgages with a direct lender, mortgage insurance company or mortgage broker. Conventional full document processing a plus. Must have excellent communications skills (verbal & written) and demonstrate strong interpersonal skills in order to build relationships with a diverse multi-tier client base and be able to interact with other departments and vendors in a professional manner. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public. Bilingual in Spanish a plus. Ability to calculate figures and amounts such as discounts, interest, commissions proportions, percentages, etc. Must be detail-oriented and possess strong problem solving skills with the ability to make quick accurate decisions with limited information. Must be a self-starter and be able to manage time while working independently. To perform this job, the employee must possess applicable technology skills and demonstrated expertise. Keyboarding skills of 35 words per minute, along with experience with Windows based loan origination system (Point, Encompass, and D+ H), and Loan Document Preparation Systems (DocMagic). Experience with Microsoft office applications (excel and word), as well as the ability to learn new applications quickly; requires general knowledge of network and database use. All Mortgage Loan Originators (MLO) must be actively registered with the National Mortgage Licensing Service (NMLS). Must renew and pass annually to maintain active status. California Real Estate License or government certificate program desirable. University and State Employees Credit Union is an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex including sexual orientation and gender identity, national origin, disability, protected Veteran Status, or any other characteristic protected by applicable federal, state, or local law. PI

USE Credit Union Job ID 2 Job Locations US-CA-San Diego Category Real Estate Type Regular Full-Time More information about this job Overview Are you Service-Driven and Detail Oriented? Do you thrive in a fast-paced environment? USE's Real Estate Department is the perfect place for you! As a Real Estate Loan Processor, you'll have the chance to create an effortless member expereince and help members achieve their dreams. Become part of a team that is key in delivering extraordinary experiences. Do you have what it takes? Responsibilities Process 1st and 2nd Trust Deed loan applications according to credit union and secondary marketing lending standards; along with state and federal regulations. Proficiently maintain a loan pipeline of an average of 30 loans per month. Of the average pipeline, a minimum of 50% of the pipeline should fund monthly. Knowledge of RESPA and TRID guidelines. Proficient with credit union's conventional and non-conventional loan products. Prepares revised Loan Estimates (LE) and ensures accurate accounting of all fees. Ordering and obtaining all required loan documentation from borrowers to satisfy underwriting findings compiling the loan file in accordance with credit union and FNMA guidelines. This is be managed by working directly with loan officer, and or direct member contact. Request and review various file components including flood notification, credit report supplements, deposit statements, income verification and demands. Review the preliminary title report, escrow instructions and purchase contracts within LOS. Work with escrow and title companies to secure clear title and vesting on behalf of the lender. Order appropriate title policy endorsements, as applicable. Ability to read loan level price adjustments, rate sheets and determine correct rate, points and add-ons when applicable. Update borrowers, agents, and mortgage loan officers with loan status as stated in departments SLA. Review all types of income verification to include: wage earners, paystubs, Schedule C, corporate and rental income, etc. Determine salability of loans to secondary market investors. Ensure loan applications adhere to property type, occupancy, loan to value and loan amount guideline established by FNMA, USE Credit Union and secondary market guideline. Render credit decisions in a fair and impartial manner to the best of his or her ability. Review and all appraisal reports, to ensure reports meet all conventional secondary market requirements. Submit all appraisal reports through FNMA Collateral Underwriter (CU) and Uniform Collateral Data Portal (UCDP). Maintain strong working knowledge of current investor underwriting requirements, to include Fannie Mae, mortgage insurance companies, and other investors as business is developed. Perform processing tasks within the assigned service level agreements for position. Establish and maintain good working relationships with team members and retail network. Qualifications Bachelor's degree (B. A.) from four-year College or University; and/or equivalent combination of education and experience. Minimum of 3-5 years recent (last five years is considered recent) experience processing conventional mortgages with a direct lender, mortgage insurance company or mortgage broker. Conventional full document processing a plus. Must have excellent communications skills (verbal & written) and demonstrate strong interpersonal skills in order to build relationships with a diverse multi-tier client base and be able to interact with other departments and vendors in a professional manner. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public. Bilingual in Spanish a plus. Ability to calculate figures and amounts such as discounts, interest, commissions proportions, percentages, etc. Must be detail-oriented and possess strong problem solving skills with the ability to make quick accurate decisions with limited information. Must be a self-starter and be able to manage time while working independently. To perform this job, the employee must possess applicable technology skills and demonstrated expertise. Keyboarding skills of 35 words per minute, along with experience with Windows based loan origination system (Point, Encompass, and D+ H), and Loan Document Preparation Systems (DocMagic). Experience with Microsoft office applications (excel and word), as well as the ability to learn new applications quickly; requires general knowledge of network and database use. All Mortgage Loan Originators (MLO) must be actively registered with the National Mortgage Licensing Service (NMLS). Must renew and pass annually to maintain active status. California Real Estate License or government certificate program desirable. University and State Employees Credit Union is an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex including sexual orientation and gender identity, national origin, disability, protected Veteran Status, or any other characteristic protected by applicable federal, state, or local law. PI

USE Credit Union Job ID 2 Job Locations US-CA-San Diego Category Information Technology Type Regular Full-Time More information about this job Overview Are you Service-Driven and Innovative? USE's Information Technology team is the perfect place for you! As SVP, Cheif Information Officer, you'll have the chance to lead our team of innovators, technologists, and developers towards creating solutions. Become part of a team that is key in developing, implementing and operating information technology systems that ensures USECU has robust cybersecurity infrastructure to minimize risk to the institution. Do you have what it takes? Responsibilities Strategy & Planning Participates in strategic and operational governance processes of the organization as a member of the executive team. Monitors emerging trends in the financial services industry and adjacent industries and identifies potential innovative solutions and services for members and business intelligence tools. Understands the strategic direction of the Credit Union by partnering with functional business leaders to ensure alignment of our IT strategic roadmap with the growth needs of the business units. Works closely with the President/CEO; develops strategic plans, reviews reports; organizes plans and makes recommendations for major information technology projects involving functional changes within the Credit Union and budgets. Formally submits information technology recommendations, assists in hardware and software selection, reviews vendor agreements and conducts contract negotiations, etc.; may serve on other committees as required. Keeps current with trends and issues in the IT industry, including current technologies and prices. Advises, counsels, and educates executives and management on their strategic, competitive or financial impact. Promotes and oversees strategic relationships between IT external entities, including vendors, and partner organizations. Leads IT strategic and operational planning to achieve business goals by fostering innovation, prioritizing IT initiatives, and coordinating the evaluation, deployment, and management of current and future IT systems across the organization. Acts as an advocate for the organization's IT vision via regular written and in person communications with the organization's executives, department heads and end users. Identifies opportunities for the appropriate and cost-effective investment of financial resources in IT systems and resources, including staffing, sourcing, purchasing and in-house development. Business Continuity & Cybersecurity Participates in the governance and operational processes surrounding the organization's information and cyber security. Directs development and execution of an enterprise-wide disaster recovery and Business Continuity Planning. Assesses, monitors and communicates risks associated with IT investments. Ensures IT system operations adhere to applicable laws and regulations. Establishes lines of control for current and proposed information systems. Planning & Execution Develops, tracks, and controls the information technology annual operating and capital budgets. Partners, collaborates and consults with stakeholders to define systems requirement for new business unit technology implementations. Develops business case justifications and cost/benefit analyses for IT investments, and initiatives. Measures return on investment to ensure achievement of defined outcomes. Defines and communicates plans, policies, and standards for the organization for selecting, acquiring, implementing, and operating IT systems. Instills a culture of service and responsiveness by ensuring continuous delivery of IT services through oversight of service level agreements with end users and monitoring of IT systems performance. Approves, prioritizes, and controls projects and the project portfolio as they relate to the selection, acquisition, development, and installation of major information systems. Reviews hardware and software acquisition and maintenance contracts and pursues master agreements to capitalize on economies of scale. People & Organizational Management Extensive leadership and management skills are required with a focus on creating a high performing team. Model USE Credit Union's cultural values, leadership competencies, providing guidance and motivating others to work well together in accomplishing the team's purpose and objectives. Develop a culture that promotes high engagement for all employees. Ensure goals are well understood, creating a collaborative environment, building confidence & trust, and creating cooperation amongst team members in achieving goals. Select and retain talent with skills, abilities and behaviors that focus on results while cultivating the Credit Union's culture. Improve and reinforce performance in others and develop talent for critical positions and/or future leadership roles. Manages directly two or more management positions and at least 10 indirect reports plus vendor partners. Qualifications Four-year university degree in the field of computer science or business administration. Master's degree in one of these fields preferred with extended strategic leadership experience in IT. Ten years of experience managing and/or directing an IT operation. Fifteen years of current experience working in the IT industry. Extensive experience in strategic planning and execution. Proven experience in IT planning, organization, and development. Substantial exposure to data processing, hardware platforms, enterprise software applications, and outsourced systems. Good understanding of computer systems characteristics, features, and integration capabilities. Experience with systems design and development from business requirements analysis through to day-to-day management. In-depth knowledge of applicable laws and regulations as they relate to IT. Excellent understanding of project management principles. Superior analytical, evaluative, and problem-solving abilities. Ability to set and manage priorities judiciously. Proven leadership ability. Excellent written and oral communication skills. Excellent interpersonal skills. Ability to present ideas in business-friendly and user-friendly language. Ability to motivate in a team-oriented, collaborative environment. Strong understanding of human resource management principles, practices, and procedures. Exceptionally self-motivated and directed. Keen attention to detail. Exceptional service orientation. University and State Employees Credit Union is an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex including sexual orientation and gender identity, national origin, disability, protected Veteran Status, or any other characteristic protected by applicable federal, state, or local law. PI

USE Credit Union Job ID 2 Job Locations US-CA-San Diego Category Real Estate Type Regular Full-Time More information about this job Overview Are you Service-Driven and Detail Oriented? Do you thrive in a fast-paced environment? USE's Real Estate Department is the perfect place for you! As a Real Estate Underwriter, you'll have the chance to create an effortless member expereince and help members achieve their dreams. Become part of a team that is key in delivering extraordinary experiences. Do you have what it takes? Responsibilities Underwrite real estate (1st and 2nd Trust Deed) loan applications according to credit union and secondary marketing lending standards; along with state and federal regulations. Proficiently maintain an underwriting pipeline of an average of 25-30 loans per month. Of this average pipeline, a minimum of 50% of the pipeline should fund monthly. Knowledge of RESPA and TRID guidelines. Proficient with credit union's conventional and non-conventional loan products Ensure completeness and accuracy of all loans prior to loan moving to closing for final document preparation. Verify all required loan documentation to satisfy underwriting findings in accordance with credit union, FNMA and secondary market guidelines. Review and approve various file components including flood, credit report supplements, deposit statements, income verification and demands. Review and approve preliminary title report, escrow instructions and purchase contracts. Verify and approve all loan level price adjustments. Review, and approve all types of income verification to include: wage earners, paystubs, Schedule C, corporate and rental income, etc. Approve loan salability for secondary market investors. Ensure loan approvals adhere to property type, occupancy, loan to value and loan amount guideline established by FNMA, USE Credit Union and secondary market guidelines. Must also be able to understand the levels of risk associated with mortgage loans, and be able to restructure loan applications as needed to reduce risk to credit union. Render credit decisions in a fair and impartial manner to the best of his or her ability. Review, Approve and Perform in depth analysis of all appraisal reports, to ensure reports meet all conventional secondary market requirements. Maintain strong working knowledge of current investor underwriting requirements, to include Fannie Mae, mortgage insurance companies, and other investors as business is developed. Perform underwriting tasks within the assigned service level agreements for position. Establish and maintain good working relationships with team members and retail network. Qualifications Bachelor's degree (B. A.) from four-year College or University; or equivalent experience related to job experience. Minimum 5 years recent experience underwriting conventional mortgages with a direct lender, mortgage insurance company or mortgage broker. Conventional full document underwriter required. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public. Bilingual in Spanish a plus. Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form. To perform this job, the employee must possess applicable technology skills and demonstrated expertise. Possess applicable technology skills and demonstrated competency. Keyboarding skills of 35 words per minute, along with experience with Windows based loan origination system (Point, Encompass, and D+ H), and Loan Document Preparation Systems (DocMagic). Experience with Microsoft office applications (excel and word), as well as the ability to learn new applications quickly; requires general knowledge of network and database use. Completion of registration with the NMLS (National Mortgage Licensing Registry) including a satisfactory result from a Federal - Level background check is required. California Real Estate License or government certificate program desirable. To perform this job, the employee must possess strong interpersonal skills, good phone and e-mail etiquette, a professional presentation, and a high degree of personal initiative. They must exhibit the following characteristics: honesty, integrity, stress tolerance, adaptability, patience, initiative, persuasiveness, resilience and enthusiasm. They must be goal driven and results focused. University and State Employees Credit Union is an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex including sexual orientation and gender identity, national origin, disability, protected Veteran Status, or any other characteristic protected by applicable federal, state, or local law. PM17

USE Credit Union Job ID 2 Job Locations US-CA-Berkeley Category Retail (Branches) Type Regular Full-Time More information about this job Overview Are you Service-Driven and Relationship-Focused? USE's branches are the perfect place for you! As a Universal Service Representative, you'll have the chance to empower members to gain better control of their finances. Become part of a team that is key in delivering extraordinary experiences. Do you have what it takes? Responsibilities Greet and welcome members to the credit union in a courteous and professional manner, adhering to USE's Six-Star Guarantee and Core Values. Maintain a teller drawer and processes cash and check deposit in accordance to credit union policies and procedures. Processes withdrawal requests in accordance to credit union policies and procedures. Posts loan payments and general ledger transactions. Processes member telephone transfers, check requests, mail, email, night drop and quik drop transactions. Answers the telephone, directs calls to the appropriate person and/or takes messages and quotes current USE savings and consumer loan rates and terms. Accurately balances cash drawer in required time frame. Provides unbeatable service experience adheres to the credit union's quality service standards. Perform a variety of file maintenance duties, including but not limited to: files daily transaction documents, member correspondences, bank recaps, IRAs, decedent accounts, trust certifications, and POAs. Works efficiently with team members to reach branch goals and maintain branch profitability. Protects the credit union member assets by identifying all members when transacting business and giving information, adhering to security practices. Remains up-to-date and knowledgeable on credit union products, services, and related policies, procedures, rules and regulations. Cross-sells all products and services to meet member needs and achieve corporate relationship building objectives. Performs sales duties in branch to meet each member's individual financial needs. Establishes new memberships, including checking and savings accounts, term accounts, IRA's, online banking, insurance products and loans. Attains sales goals; identifies, acquires and grows new and existing consumer loan portfolio. Must meet production volume as designated. Establishes and maintains strong referral relationships with members. Develops strong telephone calling program from internal lists and targeted prospects. Initiates loan applications using various consumer loan origination systems and assists member in choosing the right loan programs for the member's own personal financial situation. Coordinates the consumer loan application process between the member, third parties and internal loan operations group, ensuring unbeatable service experience. Initiates referrals, and constantly prospects for new referral relationships and new members. Maintains the required knowledge of policies and procedures, laws and regulations and other compliance requirements that pertain to the deposit and lending functions. Adhere to company policy and procedure, complete annual compliance training, comply with business continuity and vendor management policy. These are crucial to the success of the organization and have regulatory compliance and/or safety and soundness for the sustainability of the credit union. Qualifications High school diploma or general education degree (GED); and two or more years related banking positions required. Sales experience and/or training required. New accounts experience preferred Must have strong cash handling, sales and customer service skills Ability to sell products and services effectively and meet goals Ability to build & maintain relationships with internal and external members.Must be able to multi-task & be detailed-oriented Ability to communicate effectively in both written and oral form Must possess the ability to use loan origination systems, contact management software and database use Requires general knowledge of computer network and other Microsoft Office applications. Must possess strong interpersonal skills, good phone and e-mail etiquette, a professional presentation and a high degree of personal initiative Must be able to work branch operations hours. University and State Employees Credit Union is an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex including sexual orientation and gender identity, national origin, disability, protected Veteran Status, or any other characteristic protected by applicable federal, state, or local law. PM17

USE Credit Union Job ID 2 Job Locations US-CA-San Diego Category Central Operations Type Regular Full-Time More information about this job Overview Do you have an eye for detail? Great at working effectively across multiple business units? USE's Central Operations Department is the perfect place for you! As a Sr. ACH Specialist, you'll have the chance to maintain oversight of all ACH functions, including both origination and receiving. Become part of a team that is key in providing support to all areas of the organization. Do you have what it takes? Responsibilities Monitor and recommend refinement of existing ACH workflows; develop and implement new processes where needed. Write drafts of related policies and procedures. Manage daily activities for ACH processing of receiving and origination. Independently resolve complex ACH scenarios. Process ACH exceptions within required timeframes. Process decedent notifications, returns, stops and reclamations. Gather data, prepares reports surrounding ACH activity and returns. Balances ACH settlement. Lead department and company-wide projects and training topics within area of responsibility. This may include working with Project Managers and other stakeholders. Independently conduct research and implementation of new payment products and services. Manage vendors related to service or products. Mentor and train department staff on ACH Receiving and ACH Origination. As assigned and needed, may support other Central Operations functions such as Remote Deposit Capture, Deposit Support/Fiduciary accounts, IRAs, and tax reporting. Participate in assigned department and/or corporate projects, build and maintain partnerships with third party vendors, and attend offsite visits to branch locations, SEG locations and vendor locations. Provide a high level of member service and operational quality in support of established credit union standards. These are outlined in our company values and support in training provided that include quality service basics, 7 Habits, Creating Member Loyalty (CML), and others. Oversee and monitor department activities for compliance with established policies and procedures. The Specialist works closely with the Director of Central Operations and VP, Operations and Payments to ensure that operational standards are met, and that issues are appropriately escalated and resolved in a timely manner. Review assigned daily work, records, reports and GL recons to ensure completeness, accuracy and timeliness. Acting as a subject matter expert (SME), train and mentor department staff on ACH related topics to ensure new and existing staff have the required knowledge and skills. Provide coaching to aid with increasing understanding and ensure consistent application of policies and procedures. May also act as SME for Training department and present to others in meetings or classes. Qualifications Bachelor's degree or equivalent from a four-year college required. Minimum of 5 years of experience in ACH and banking operations. Accredited ACH Professional (AAP) required. Strong knowledge of related rules and regulations required, to include NACHA, Regulations CC and E, and all other related industry guidance. Must have experience with Federal Payments, ACH processing to include returns, reversals, DNEs, SDA, reclamations, disputes, and NOCs. Experience in both receiving and originating payments is required. Understanding of and experience with A2A and P2P processing and related services is highly desired. The ability to read and interpret credit union policies and procedures and governing federal and state laws, rules and regulations. The ability to write procedures, reports and correspondence. Must have ability to communicate clearly and concisely - verbally and in writing - with co-workers, members and external vendors. Must have experience with Fedline, as well as with Microsoft Office products such as Word, Excel, Access and Outlook. University and State Employees Credit Union is an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex including sexual orientation and gender identity, national origin, disability, protected Veteran Status, or any other characteristic protected by applicable federal, state, or local law.