Local Government Federal Credit Union

Description: CIVIC CULTURE Our 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 POSITION The Credit Reporting and Disputes Specialist is responsible for the review and accurate submission of credit data to the credit bureaus and the processing and response to consumer credit disputes. This role ensures full compliance with the Fair Credit Reporting Act (FCRA) and Metro 2 standards by performing timely and accurate data reviews, corrections, and updates using tools such as e-OSCAR. NORMAL DAY-TO-DAY WORK Monitor and validate credit bureau reporting files for accuracy and completeness. Investigate and resolve consumer disputes received through e-OSCAR and direct channels within FCRA/FACTA-mandated timelines. Analyze loan servicing and system data to validate account statuses, payment histories, and other reported information. Submit updated or corrected credit reporting data as necessary. Research consumer complaints related to credit reporting, document findings, and determine appropriate resolutions. Maintain detailed documentation of dispute resolution processes and outcomes. Respond to credit verification requests. Collaborate with Loan Operations, Collections, and Risk and Compliance to resolve data discrepancies related to credit reporting. Support audits and regulatory exam reviews by providing documentation and subject matter input. Maintain compliance with FCRA, CFPB regulations, and industry best practices. Stay current on FCRA requirements, Metro 2 changes, and industry best practices. Take ownership for actions, decisions, and results; openly accept feedback and demonstrate both the willingness and ability to improve. JOB QUALIFICATIONS Here are a few skills you MUST have to be qualified for this position. 1 - 3 years of experience in credit bureau reporting and dispute management. Familiarity with FCRA/FACTA, Metro 2 reporting standards, and e-OSCAR. Excellent verbal, written, telephone and interpersonal communication skills. Must possess a strong service orientation. Ability to function in a Consumer business office environment and utilize standard office equipment including but not limited to: PC, copier, telephone, etc. Ability to lift a minimum of 25 lbs. (file boxes, computer). Travel required on occasion. Here are a few qualities we'd LIKE for you to have to make you more suited for this position. Bachelors degree in Business, Finance, or related field (or equivalent experience). Familiarity with credit bureau systems. Experience with loan servicing or core banking systems. CDIA FCRA Credit Reporting Compliance Certification. CONTACT US If you have questions about this position description, please feel welcome to ask. You can reach our HR Department at: Civic Human Resources 3600 Wake Forest Road, Raleigh, NC 27609 Requirements: PIb9e73a2b179d-7550

Description: OUR CULTURE Our organization believes we can all do well by doing good. We value the contributions of diverse minds and prioritize the success and wellbeing of our employees. We also believe every person in our organization plays a role in supporting a healthy environment and helping to achieve our goal of prosperity for all. To this end, we recruit bright, energetic, and talented people to be members of our team. In return, we offer a dynamic workplace that presents opportunities for professional advancement and individual growth. We strive to always display integrity, self-awareness, courage, and respect for one another while continuing to seek opportunities to learn. We really believe that when our employees succeed, our community wins. ABOUT THE POSITION The 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 Demonstrates exceptional member service by providing personalized solutions, creating memorable interactions and exceeding member expectations. Builds and fosters relationships with current and potential members to increase their financial well-being. 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. Maintains and balances assigned cash drawer daily, while following operational procedures and cash limits. Participates in opening and closing procedures, as needed. Accurately processes member transaction requests and responds to member inquiries via various channels in a timely manner. 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. Assists with in-person opening of deposit and loan accounts by ensuring all information is received timely and accurately processed. 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. Participate in beta-testing for possible workflow and process improvement and provide feedback to internal/external resources as needed. Educates members on digital solutions by providing self-service alternatives to manage finances at their convenience. Participates in required meetings and trainings while promoting a positive team environment. Shares knowledge of member feedback and effective practices. Collaborates with internal departments to provide a closed-loop experience for member requests. 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. JOB QUALIFICATIONS Here are a few qualifications you MUST have to be qualified for this position. Minimum 1 - 3 years of customer service experience, or a Bachelor's degree. High school diploma or equivalent. Excellent verbal, written, telephone and interpersonal communication skills. Demonstrated strong customer service skills. Notary Public in North Carolina, or ability to achieve in the first 6 months of employment. PC proficient, including Microsoft Office (Word, Excel, PowerPoint, Access, Outlook) and the Internet. Ability to function in a Consumer business office environment and utilize standard office equipment including but not limited to: PC, copier, telephone, etc. Ability to lift a minimum of 25 lbs. (file boxes, computer printer). Travel required on occasion. Here are a few qualifications we'd LIKE for you to have. Credit Union member service experience. Knowledge of financial products and services, mobile and on-line banking a plus. 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 Requirements: PI24850d82fbcf-2833

Description: OUR CULTURE Our organization believes we can all do well by doing good. We value the contributions of diverse minds and prioritize the success and wellbeing of our employees. We also believe every person in our organization plays a role in supporting a healthy environment and helping to achieve our goal of prosperity for all. To this end, we recruit bright, energetic, and talented people to be members of our team. In return, we offer a dynamic workplace that presents opportunities for professional advancement and individual growth. We strive to always display integrity, self-awareness, courage, and respect for one another while continuing to seek opportunities to learn. We really believe that when our employees succeed, our community wins. ABOUT THE POSITION The 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 Demonstrates exceptional member service by providing personalized solutions, creating memorable interactions and exceeding member expectations. Builds and fosters relationships with current and potential members to increase their financial well-being. 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. Maintains and balances assigned cash drawer daily, while following operational procedures and cash limits. Participates in opening and closing procedures, as needed. Accurately processes member transaction requests and responds to member inquiries via various channels in a timely manner. 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. Assists with in-person opening of deposit and loan accounts by ensuring all information is received timely and accurately processed. 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. Participate in beta-testing for possible workflow and process improvement and provide feedback to internal/external resources as needed. Educates members on digital solutions by providing self-service alternatives to manage finances at their convenience. Participates in required meetings and trainings while promoting a positive team environment. Shares knowledge of member feedback and effective practices. Collaborates with internal departments to provide a closed-loop experience for member requests. 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. JOB QUALIFICATIONS Here are a few qualifications you MUST have to be qualified for this position. Minimum 1 - 3 years of customer service experience, or a Bachelor's degree. High school diploma or equivalent. Excellent verbal, written, telephone and interpersonal communication skills. Demonstrated strong customer service skills. Notary Public in North Carolina, or ability to achieve in the first 6 months of employment. PC proficient, including Microsoft Office (Word, Excel, PowerPoint, Access, Outlook) and the Internet. Ability to function in a Consumer business office environment and utilize standard office equipment including but not limited to: PC, copier, telephone, etc. Ability to lift a minimum of 25 lbs. (file boxes, computer printer). Travel required on occasion. Here are a few qualifications we'd LIKE for you to have. Credit Union member service experience. Knowledge of financial products and services, mobile and on-line banking a plus. If you have questions about this position description, please feel welcome to ask. You can reach HR at: Human Resources 3600 Wake Forest Rd, Raleigh, NC 27609 Requirements: PI69d3d8ee8ed2-9494

Description: CIVIC CULTURE Our organizations believe we can all do well by doing good. We value the contributions of diverse minds and prioritize the success and well-being of our employees. We also believe every person in our organization plays a role in supporting a healthy environment and helping to achieve our goal of prosperity for all. To this end, we recruit bright, energetic, and talented people to be members of our team. In return, we offer a dynamic workplace that presents opportunities for professional advancement and individual growth. We strive to always display integrity, self-awareness, courage, and respect for one another while continuing to seek opportunities to learn. We really believe that when our employees succeed, our community wins. ABOUT THE POSITION Loss 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 Provide early and late-stage delinquency management by monitoring loan accounts and identify members who are at risk of becoming delinquent. Proactively contact members via phone, email, or other communication methods to discuss their accounts and identify reasons for delinquency Work with members to develop repayment plans, loan modifications, or other solutions to bring accounts current. Ensure a consultative member approach to restructuring loans as necessary, providing direction on improving the financial outlook of the member in the future. Accurately document all member interactions, payment agreements, and actions plans in the core collection system. Provide members with information on financial education resources and tools to help them manage their finances and avoid future delinquencies. Collaborate as necessary with other internal business units and resources to ensure a coordinated approach to loss prevention. Assist the AVP of Risk Assessment and Loss Mitigation with reviewing reports on delinquency trends, member interactions, and recovery efforts. Ensure all activities are in compliance with federal and state regulations, as well as Credit Union policies, guidelines, and procedures. Take ownership for actions, decisions, and results; openly accept feedback and demonstrate both the willingness and ability to improve. JOB QUALIFICATIONS Here are a few skills you MUST have to be qualified for this position. Minimum 4-6 years experience in consumer loan product collections, financial services or related field. Must have an understanding of accounting principles and business financial statements and tax returns. Must be knowledgeable in the process of analyzing personal tax returns, personal financial statements, and credit bureau reports. Experience with credit procedures, policies, regulations and laws, in addition to knowledge of bankruptcy and consumer law. Strong interpersonal skills with ability to work in a team environment. Ability to function in a Consumer business office environment and utilize standard office equipment including but not limited to: PC, copier, telephone, etc. Ability to lift a minimum of 25 lbs. (file boxes, computer). Travel required on occasion. Here are a few qualities we'd LIKE for you to have to make you more suited for this position. Bachelor's degree in finance, Accounting, Economics, Business or related field required. Prefer a minimum of 2-4 years of Credit Union consumer credit experience. Knowledge of loan structuring and work-out solutions in desirable. CONTACT US If you have questions about this position description, please feel welcome to ask. You can reach our HR Department at: Civic Human Resources 3600 Wake Forest Road, Raleigh, NC 27609 Requirements: PIf878e3e0824c-2551

Description: OUR CULTURE Our organization believes we can all do well by doing good. We value the contributions of diverse minds and prioritize the success and wellbeing of our employees. We also believe every person in our organization plays a role in supporting a healthy environment and helping to achieve our goal of prosperity for all. To this end, we recruit bright, energetic, and talented people to be members of our team. In return, we offer a dynamic workplace that presents opportunities for professional advancement and individual growth. We strive to always display integrity, self-awareness, courage, and respect for one another while continuing to seek opportunities to learn. We really believe that when our employees succeed, our community wins. ABOUT THE POSITION The Branch Manager will play a crucial leadership role in ensuring the success as well as reputation of the branch. This individual will manage, oversee, and ensure excellence of day-to-day branch operations, which include but are not limited to branch opening, closing, member service and experience, transaction processing, promotion of products and services, and ensuring general required service coverage of the location. On top of managing the daily activities, a successful individual in this role will place emphasis on continual improvement of operational efficiencies as well as service quality standards, putting the members' satisfaction at the core of everything we do. At the core, the Branch Manager will embody Civic's values, policies and vision while fostering an inclusive environment for both branch staff and members. NORMAL DAY-TO-DAY WORK 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. Oversees branch growth and membership retention by coaching and leading well-informed advisors to discover member centric solutions. Communicates, transfers, and demonstrates product and service knowledge to advisors. Proactively identifies areas of knowledge improvement amongst branch staff. Coaches and manages team development to drive internal opportunities, foster teamwork, and career progression. Effectively recruits, interviews and onboards advisors. Oversees essential administrative functions, including but not limited to scheduling, cash orders, managing branch losses, documentation and retention, and end-of-day balancing. Engages with community and branch partners, including Membership Development Officers, to enhance member appreciation. Facilitates timely and efficient communication between branch and home office. Serves as escalation point for member complaints and suggestions, deploys active listening techniques to capture improvement opportunities, and treats all member cases with empathy and exceptional professionalism. Seeks out professional development and internal networking to enhance education in the financial service industry to improve branch member experience. Ensures branch staff's readiness to meet all pre-defined financial targets while continually serving as stewards of membership resources to maximize profitability. Complies with regulation, policies, procedures, and operational guidelines. Proactively assesses and mitigates operational risks, ensuring compliance with regulations, audit requests, and implements security measures when appropriate. Follows all safety and security guidelines to properly protect branch team members, members, and credit union assets. JOB QUALIFICATIONS Here are a few qualifications you MUST have to be qualified for this position. Minimum 7 - 9 years of banking/member service experience, including 1 - 3 years of managerial experience. Strong analytical and problem-solving skills, with the ability to identify trends and develop solutions. Demonstrated knowledge of banking procedures, including policies, laws and regulations, consumer loan origination and servicing. PC proficient, including Microsoft Office (Word, Excel, PowerPoint, Access, Outlook) and the Internet. Ability to function in a Consumer business office environment and utilize standard office equipment including but not limited to: PC, copier, telephone, etc. Ability to lift a minimum of 25 lbs. (file boxes, computer printer). Travel required on occasion. Here are a few qualifications we'd LIKE for you to have. 4 - 6 years of Credit Union member service experience. Bachelor's degree in Business Administration or relating field of study. Experience with creating and updating policies, processes, procedures, and guidelines. Supervisory experience within a member/customer service environment. If you have questions about this position description, please feel welcome to ask. You can reach HR at: Human Resources 3600 Wake Forest Rd, Raleigh, NC 27609 Requirements: PI759a647fa5-

Description: ABOUT THE POSITION Loss Mitigation Manager is responsible for operationally management of the Loss Mitigation Team and it's efforts to proactively manage delinquent accounts by contacting Credit Union members. This role involves identifying potential risks, working with internal team and members to resolve payment issues and escalated situations, providing advanced oversight of repayment solutions, and implementing strategies to mitigate loan losses. NORMAL DAY-TO-DAY WORK Operationally manage early and late-stage delinquency management efforts by ensuring Loss Mitigation Team is monitoring loan accounts and identifying members who are at risk of becoming delinquent. Primary oversight of Loss Mitigation Workforce Management and Scheduling. Recommend strategic collection efforts and assist in operational implementation of strategy. Maintain oversight of overall collection efforts to ensure team goals and KPIs are met. Work with the Loss Mitigation team to approve escalated repayment plans and settlements. Strategically recommend loan modifications and workout plans for approval. Provide primary management escalation assistance to active and charged off accounts. Accurately document all member interactions, payment agreements, and actions plans in the core collection system. Provide members with information on financial education resources and tools to help them manage their finances and avoid future delinquencies. Foster a culture of cross-team collaboration and bench-strength within the Loss Mitigation Team, including functions of escalated collection actions and Default Management. Maintain and train knowledge of Default Management Team practices and procedures to best aid in cross-team communication. Be a primary resource for knowledge of elevated account actions, insurance claims, and collateral recovery efforts to best assist with membership communication pre and post charge off. Collaborate as necessary with other internal business units and resources to ensure a coordinated approach to loss prevention. Assist the AVP of Risk Assessment and Loss Mitigation with reviewing reports on delinquency trends, member interactions, and recovery efforts. Ensure all activities are in compliance with federal and state regulations, as well as Credit Union policies, guidelines, and procedures. JOB QUALIFICATIONS Here are a few skills you MUST have to be qualified for this position. Minimum 4-6 years experience in consumer, commercial, and real estate collections or combination of experience and advanced education. Minimum 1-3 years of experience in a lead or leadership role in financial services. Must have an understanding of consumer credit reports, income statements, and credit principles. Must have an understanding of accounting principles and business financial statements and tax returns. Experience with credit procedures, policies, regulations and laws, in addition to knowledge of bankruptcy and consumer law. Strong interpersonal skills with ability to work in a team environment. Ability to function in a Consumer business office environment and utilize standard office equipment including but not limited to: PC, copier, telephone, etc. Ability to lift a minimum of 25 lbs. (file boxes, computer). Travel required on occasion. Here are a few qualities we'd LIKE for you to have to make you more suited for this position. Bachelors degree 1-3 years of experience in credit underwriting, portfolio evaluation, or administration. Prior escalated collections experience including repossession, foreclosure, and small claims management. CIVIC CULTURE Our organizations believe we can all do well by doing good. We value the contributions of diverse minds and prioritize the success and well-being of our employees. We also believe every person in our organization plays a role in supporting a healthy environment and helping to achieve our goal of prosperity for all. To this end, we recruit bright, energetic, and talented people to be members of our team. In return, we offer a dynamic workplace that presents opportunities for professional advancement and individual growth. We strive to always display integrity, self-awareness, courage, and respect for one another while continuing to seek opportunities to learn. We really believe that when our employees succeed, our community wins. If you have questions about this position description, please feel welcome to ask. You can reach our HR Department at: Civic Human Resources 3600 Wake Forest Road, Raleigh, NC 27609 Requirements: PI6a494a54e68a-2514

Description: CIVIC CULTURE Our organizations believe we can all do well by doing good. We value the contributions of diverse minds and prioritize the success and well-being of our employees. We also believe every person in our organization plays a role in supporting a healthy environment and helping to achieve our goal of prosperity for all. To this end, we recruit bright, energetic, and talented people to be members of our team. In return, we offer a dynamic workplace that presents opportunities for professional advancement and individual growth. We strive to always display integrity, self-awareness, courage, and respect for one another while continuing to seek opportunities to learn. We really believe that when our employees succeed, our community wins. ABOUT THE POSITION The Cards Risk Specialist is responsible for monitoring, analyzing, and mitigating fraud, risk, and financial losses associated with debit and credit card transactions. This role involves utilizing data-driven insights, fraud detection tools, and industry best practices to ensure the security and integrity of debit card operations while enhancing the member experience. The Specialist will collaborate with internal teams, financial institutions, and law enforcement agencies to prevent fraud and improve risk management strategies. NORMAL DAY-TO-DAY WORK Monitor debit card transactions for suspicious activities using fraud detection systems. Analyze patterns and trends in fraudulent transactions to develop proactive risk strategies in conjunction with management team and the Credit Union's Fraud/BSA team Investigate and respond to real-time fraud alerts and suspicious activity reports. Assess and analyze risk exposure related to debit card transactions. Generate and analyze reports on fraud trends, chargebacks, and losses. Identify key risk indicators and provide insights for decision-making. Present findings and recommendations to management and stakeholders. Ensure compliance with financial regulations and industry standards (e.g., PCI DSS, FFIEC). Stay updated on regulatory changes affecting debit card fraud and risk management. Work with compliance teams to ensure Cards fraud prevention efforts align with legal requirements. Work closely with Risk and Compliance teams, member service, and IT departments. Work with Learning and Development and various stakeholders to ensure training and awareness programs on debit card fraud risks and prevention are in line with the Credit Union's standards. Take ownership for actions, decisions, and results; openly accept feedback and demonstrate both the willingness and ability to improve. JOB QUALIFICATIONS Here are a few skills you MUST have to be qualified for this position. Minimum 4 - 6 years' experience in financial services, payments, card products, or supporting card operations initiatives, including 1-3 years experience in debit and/or credit card risk. Strong interpersonal communications skills. Must possess a strong service orientation. PC proficient including Microsoft Office (Word, Excel, PowerPoint, Access, Outlook) and the Internet. Ability to function in a Consumer business office environment and utilize standard office equipment including but not limited to: PC, copier, telephone, etc. Ability to lift a minimum of 25 lbs. (file boxes, computer). Travel required on occasion. Here are a few qualities we'd LIKE for you to have to make you more suited for this position. Bachelor's degree in Business, Operations, or related field position. Experience in member service or related field, card services is preferred Knowledge of financial products and services. If you have questions about this position description, please feel welcome to ask. You can reach our HR Department at: Civic Human Resources 3600 Wake Forest Road, Raleigh, NC 27609 Requirements: PI52ac4a1161e7-5453