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Consumer Lending Advisor

NIH Federal Credit Union with more than $550 million in assets is currently seeking a highly-qualified and energetic individual for a Consumer Lending Advisor position.

Under general supervision, but in accordance with established policies and procedures, this position originates consumer loans by interviewing applicants, ordering credit reports, analyzing data, approving or denying credit requests, and notifying applicants of loan decisions. Must possess excellent interpersonal skills to conduct productive interview sessions with the member. Must possess a thorough understanding of the requirements and features of the loan programs offered by the credit union and recommend alternatives when the analysis reveals an insufficient financial posture. Must have strong organizational skills in order to manage heavy loan demand. Ability to work in both an independent or team environment, and takes initiative to find solutions to problems.

MAJOR DUTIES AND RESPONSIBILITIES

  • Interviews loan applicants, gathering the required information for a credit application, explaining loan options, rates, terms, and collateral requirements. Advises a member on best option and cross-sells services in a professional manner.
  • Ability to multi task and meet priority deadlines in a timely and efficient
  • Responsible for investigating loan applicants by ordering credit reports, analyzing the information provided, verifying information with creditors, the applicant, and the applicant’s employer. May approve loans within approved loan officer limits.
  • Ensures that all loan documentation is complete before approving or processing the loan request. Responsible for performing identity, security, and validation checks. Loans not within the loan granting authority of this position are forwarded to Loan Supervisor/Manager or Loan Committee with a recommendation. Loans not meeting NIHFCU policies and\or guidelines maybe denied.
  • Reviews loan packages to ensure that all loan documentation is forwarded to the member’s file, must also ensure that all policies and procedures of NIHFCU are followed.
  • Organizes loan documents and arranges loan settlements
  • Additional Responsibilities includes processing GAP claims, credit life and disability refunds, reviewing daily and/or monthly reports and sorting mail and faxes. Responds to all member inquiries which originate from the mail, phone, fax, and internet.
  • Responsible for analyzing Internet applications including reviewing credit, underwriting loan requests, and notifying members in a timely manner.
  • Ability to research and resolve member complaints and inquiries.
  • Access Member or Associate personal and financial information only as required by the job. Maintain the confidentiality and security of all Member or Associate personal and financial. Required to stay abreast of industry trends and relevant rules and regulations.
  • Ensure that work results and processes comply with relevant laws and with established NIHFCU policies, procedures, and practices, including, but not limited to, the Bank Secrecy Act (BSA).
  • Attends all assigned in-person or online training and passes any applicable test pertaining to the material covered.
  • Provides leadership through personal actions and day-to-day management practices that support NIHFCU’s values.
  • Report to the position supervisor, the Security Officer, the Audit/Compliance Manager, the VP of Human Resources or to the complaint vendor any actual or suspected fraud or financial dishonesty or wrong-doing involving Member transactions, Associates, or NIHFCU.
  • Perform other related work as assigned and initiative using available resources to achieve established goals.
  • Automobile Titles
    1. Maintain and manage internal and outsourced Title Reporting to ensure accuracy of information.
    2. Serves as a liaison for automobile title issues between branches, members, insurance companies, financial institutions and vendor.
    3. Follow up on pending titles not received within an appropriate timeframe and/or resolves outstanding titling issues. (i.e. address/state changes).
    4. Prepares and responds to requests for dealer payoffs and insurance letters of guarantee.
    5. Maintains paperless title system ELT inputs, verifies and corrects title data into PDP as required.
    6. Process titling documentation through various states as necessary.
    7. Ensures proper fees are imposed.
    8. Ensures titling documents and releases for vehicle titles are processed by vendor and mailed to appropriate party.
    9. Updates credit union staff on regulatory changes related to vehicle titling; instructs staff on proper completion of titling forms; provides assistance and support to branches on titling issues. Updates Titling Procedures as changes occur.
  • The ability to be bonded

EDUCATION & EXPERIENCE
High school diploma or equivalent (GED). A minimum of three years’ experience in lending involving loan underwriting, processing, and origination. Previous credit training preferred; may be through educational courses or on-the-job experience. Analytical ability to conduct preliminary analysis of an applicant’s financial posture. Excellent interviewing and interpersonal skills. Knowledge of lending policies, regulations, laws, and credit programs. Additional limits may apply.

REQUIRED COMPLIANCE COURSES
Ensure that work results and processes comply with relevant laws and with established NIHFCU policies, procedures, and practices, including, but not limited to, the Bank Secrecy Act (BSA).

Attend all required training or complete and pass all online required training courses as applicable.

LANGUAGE SKILLS
Ability to read, write and comprehend the English language and understand basic instructions, correspondence and emails.

MATHEMATICAL SKILLS
Ability to apply concepts such as fractions, percentages, addition, subtraction, multiplication, and division in all units of measure using whole numbers, common fractions, and decimals. Ability to perform these operations using units of the United States Dollar (USD). Ability to calculate figures and amounts and work with statistical concepts.

REASONING ABILITY
Ability to understand and carry out basic instructions.

AMERICANS WITH DISABILITIES ACT OF 1990 (ADA) and its AMENDMENTS ACT OF 2008 (ADAAA) SPECIFICATIONS

PHYSICAL REQUIREMENTS
Perform primary sedentary work with limited physical exertion and occasional lifting up to 25 lbs. must be capable of climbing/descending stairs in an emergency situation. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer sitting for an average of 6-8 hours per day, when necessary. Must be able to work extended hours whenever required or requested by management. Must be capable of regular, reliable and timely attendance.

WORKING CONDITIONS
Must be able to routinely perform work indoors in a climate-controlled private office with minimal noise.

MENTAL AND/OR EMOTIONAL REQUIREMENTS
Must be able to perform job functions independently and work effectively either on own or as part of a team. Must be able to plan and direct the work activities of self and others. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate the highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines/requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising the highest level of discretion on both internal and external confidential matters.

This is a Full-time position with competitive benefits and salary commensurate with experience. Please apply through our website at: https://www.nihfcu.org/careers/how-to-apply.aspx  EEOC/ADAAA.


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Assistant Branch Manager

With more than $550 million in assets, NIH Federal Credit Union is currently seeking a highly-motivated individual for an Assistant Branch Manager position. High school diploma or equivalent (GED). Minimum one-year Supervisory experience in a financial/branch environment with previous teller or customer service experience. Minimum one-year experience in lending function involving loan processing and origination. Ability to function in a financial institution environment and utilize standard office equipment including but not limited to PC, fax, copier, telephone, etc. Proficient with Microsoft Word/Windows. Attention to detail and accuracy. Excellent communication, analytical, and interpersonal skills required.

This position is responsible for: under general supervision but in following established policies and procedures performs a broad range of supervisory duties in the MSR and Teller Departments; responds in person and/or by telephone. This responsibility shall include providing Quality Member Service in a full service branch. Perform duties of a Loan Processor. Must possess excellent interpersonal communication skills and the ability to represent the credit union in a courteous, professional manner. May function as a Branch Manager, Branch Supervisor, MSR and Teller as needed.

The duties pertain to:

Supervisory/Assistant Management:

  • Assist the Branch Manager in leading the Team in achieving NIHFCU’s goals, objectives, and individual employee responsibilities as it relates to overall performance in Sales, Service, Operational Processes and Controls, etc. This includes but is not limited to training, coaching and helping the Employee to understand their job responsibilities and expectations.
  • Supervise and assists in supporting activities of branch employees ensuring prompt accurate service levels to include professionalism, product knowledge and member satisfaction.
  • Take reasonable risks in decision-making authority.i>
  • Serve as needed in the capacity of a Branch Manager with the ability to demonstrate quality member service in a high pace branch environment to include interactions with Members and peers.
  • Possess effective verbal and written communication skills; effectively prepare Member correspondence through accessing appropriate systems.
  • Responsible for providing prompt and accurate information to members regarding credit union products and services, policies, and procedures.
  • Research information and analyze problems effectively. Determines viable options to solve Member issues and choose the best course of action.
  • Resolves product or service problems by clarifying the member’s concern/complaint; determining the cause of the problem; selecting and explaining the best solution to solve the problem; expediting correction or adjustment; following up to ensure resolution.
  • Investigate, resolve, and respond to member inquiries in writing or by phone. The resolution of these issues may include waiving fees and/or service charges.

Sales, Service and Referrals:

  • Meet established Sales, Referral Goals, and other initiatives as assigned.
  • Knowledgeable in promoting, cross-selling and referring Credit Union products and services with the ability to explain benefits and features.
  • Makes "outside" sales and member service calls on present and prospective members within the branch's market area.
  • Assist the Branch Manager in leading the Team in achieving their assigned Sales, Service, Referral, Member Satisfaction and other goals/initiatives as assigned.
  • As Assigned, Attend/set-up and run marketing event tables at onsite events such as Employee Orientations, Benefits Fairs, etc.

Loans

  • Within Loan Authority limits, qualifies, approvals, denies or counter-offers loans within NIHFCU guidelines; refer loan applications outside of established limits for approval; is able to justify decision to both management and the member.
  • Interview loan applicants, gather and input required information for credit application, explain loan options, rates, and collateral requirements and disburse loans upon approval. Inform Members of loan decision; discuss loan alternatives.
  • Knowledge and ability to explain general lending policies and practices with the use of lending software.
  • Ensure that all loan documents are completed before approving or processing the loan request.

Branch Operations:

  • Provides for the proper security, maintenance, and cleanliness of the office; supervises the opening and closing of the branch and vault; makes necessary provisions for the securing and accounting of negotiable items.
  • Maintains records and prepares required monthly reports.
  • Assist the Branch Manager in the daily operation of the branch to include but not limited to Vault, ATM, CDM/TCD responsibilities, Auditing, Balancing, etc. and following appropriate policies and procedures as required by NIHFCU, state, and federal regulatory agencies.
  • Conduct Branch Administration Audits as assigned and/or required.
  • Assist the Branch Manager in ensuring branch retail branding and merchandising is up-to-date and per specifications.

Salary to commensurate with experience. Full-time position/direct hire. Exceptional benefit package to include: Medical, dental, vision, flexible spending allowance, 401(k), and tuition reimbursement.

Please apply through our website at:  https://www.nihfcu.org/careers/how-to-apply.aspx.  EEOC/ADAAA.

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Teller – Part-Time in Washington, DC

NIH Federal Credit Union with more than $550 million in assets is currently seeking a highly-qualified energetic individual for our Part Time Teller position. The well-qualified candidate will possess a High School Diploma (GED) and have a minimum of twelve (12) months experience as a Teller in a financial institution. Ability to sell products, services and make referrals. Knowledge of Credit Union principles and practices preferred and excellent verbal communication skills required.

This part-time position under general supervision, follows established policies and procedures performs a broad range of activities to include excellent service to the Members, Referring and Cross-selling Credit Union services, accurately balancing each day's transactions, verifies cash and general ledger totals. Provide a variety of Member service functions such as processing savings accounts, checking accounts, loan transactions and cashing checks. Assists with balancing the branch's daily activities and totals.

Major Duties and Responsibilities

Member Service:
  • Consistently adhere to Operational Procedures, Controls, and Services Levels consistent with NIHFCU standards.
  • Represents the Credit Union to the Members in a courteous and professional manner and provide prompt, efficient, and accurate service in the processing of transactions.
  • Ability to demonstrate quality member service in a high pace branch environment to include interactions with Members and peers.
  • Attend required training and take initiative to maintain and develop needed knowledge and skills required to maintain effective performance.
  • Remains calm during challenging member interactions and escalate such situations as appropriate.
  • Complete required Compliance and assigned online training courses within specified periods.
  • Demonstrates a sound knowledge of computer software as it relates to job functions and/or necessary use. Ability to function in a financial institution environment and  utilize standard office equipment including but not limited to PC, fax, copier, telephone, etc.
  • The ability to be bonded.


Sales, Service and Referrals:
  • Ability to explain various benefits and features of Credit Union products and services with the intent to refer and cross-sell.
  • Meet established Sales, Service and Referral Goals and other initiatives as assigned.
  • As Assigned, participate in Orientations, outside Marketing Activities and Events.
Operational Effectiveness & Transaction Processing:
  • Accurately process monetary transactions, etc. upon verification of identification, signatures and Member account status and accurately enter transactions into the Credit Union records via the on-line teller terminal.
  • Review negotiable items with attention to detail to ensure negotiability.
  • Ability to accurately operate and balance a Teller Drawer within specified times.
  • Completes high quality work, which is free of errors, thorough, neat and with good attention to detail.
  • Achieve Productivity Goals (transactions per hour) per month.
  • Alert to Counterfeit Items, Red Flags (Identity Theft Prevention), Forgery (Checks, Money Orders, Travelers Cheques, etc.) .
  • Assists with balancing and auditing branch functions to include ATM, CDM/TCD and negotiable items.
Accountabilities:
  • Maintain a dependable record of attendance and timeliness.
  • Thorough knowledge and understanding of all equipment functions/operations and applicable software in the branch.
  • Ensure that work practices comply with established NIHFCU policy, procedure, and standards.
  • Maintain confidentiality and security of all Member personal and financial information. Access Member or Employee personal and financial information only as required by the job.
  • Cover/Float to other branches and/or work extended hours to include Saturdays as determined by Management.
  • Perform other related work as assigned and initiative using available resources to achieve established goals.
  • Report to the position Supervisor, Risk Management, Human Resources or to the complaint vendor any actual or suspected fraud or financial dishonesty or wrongdoing Member transactions, Employees, or NIHFCU.

Salary to commensurate with experience. Part-time position/direct hire.  Please apply through our website at:  https://www.nihfcu.org/careers/how-to-apply.aspx.  EEOC/ADA.

How to Apply  I  Benefits

Part-Time Teller

NIH Federal Credit Union, with more than $550 million in assets, is currently seeking a highly-motivated individual for a Part-Time Teller position in their Rockville Metro Plaza location.

This position is responsible for: under general supervision, but following established policies and procedures performs a broad range of activities to include excellent service to the Members, Referring and Cross-selling Credit Union services, accurately balancing each day's transactions, verifies cash and general ledger totals. Provide a variety of Member service functions such as processing savings accounts, checking accounts, loan transactions and cashing checks. Assists with balancing the branch's daily activities and totals.

MAJOR DUTIES AND RESPONSIBILITIES

Member Service:

  • Consistently adhere to Operational Procedures, Controls, and Services Levels consistent with NIHFCU standards.
  • Represents the Credit Union to the Members in a courteous and professional manner and provide prompt, efficient, and accurate service in the processing of transactions.
  • Ability to demonstrate quality member service in a high pace branch environment to include interactions with Members and peers.
  • Attend required training and take initiative to maintain and develop needed knowledge and skills required to maintain effective performance.
  • Remains calm during challenging member interactions and escalate such situations as appropriate.
  • Complete required Compliance and assigned online training courses within specified periods.
  • Demonstrates a sound knowledge of computer software as it relates to job functions and/or necessary use. Ability to function in a financial institution environment and utilize standard office equipment including but not limited to PC, fax, copier, telephone, etc.
  • The ability to be bonded.
Sales, Service and Referrals:
  • Ability to explain various benefits and features of Credit Union products and services with the intent to refer and cross-sell.
  • Meet established Sales, Service and Referral Goals and other initiatives as assigned.
  • As Assigned, participate in Orientations, outside Marketing Activities and Events.
Operational Effectiveness & Transaction Processing:
  • Accurately process monetary transactions, etc. upon verification of identification, signatures and Member account status and accurately enter transactions into the Credit Union records via the on-line teller terminal.
  • Review negotiable items with attention to detail to ensure negotiability.
  • Ability to accurately operate and balance a Teller Drawer within specified times.
  • Completes high quality work, which is free of errors, thorough, neat and with good attention to detail.
  • Achieve Productivity Goals (transactions per hour) per month.
  • Alert to Counterfeit Items, Red Flags (Identity Theft Prevention), Forgery (Checks, Money Orders, Travelers Cheques, etc.)
  • Assists with balancing and auditing branch functions to include ATM, CDM/TCD and negotiable items.
Accountabilities:
  • Demonstrate a professional image when representing NIHFCU (grooming, clothing, tone of voice, mannerism, etc.) .
  • Maintain a dependable record of attendance and timeliness.
  • Thorough knowledge and understanding of all equipment functions/operations and applicable software in the branch.
  • Ensure that work practices comply with established NIHFCU policy, procedure, and standards.
  • Maintain confidentiality and security of all Member personal and financial information. Access Member or Employee personal and financial information only as required by the job.
  • Cover/Float to other branches and/or work extended hours to include Saturdays as determined by Management.
  • Perform other related work as assigned and initiative using available resources to achieve established goals.
  • May be transferred to other Branches and Branch Departments as assigned by Management.
  • Report to the position Supervisor, Risk Management, the VP of Human Resources or to the complaint vendor any actual or suspected fraud or financial dishonesty or wrongdoing involving Member transactions, Employees, or NIHFCU.
Floating:  May be transferred to other Branches and Branch Departments as assigned by Management. All employees are required to float as assigned and travel to other branches on a regular basis. Not all branch locations are accessible by Metro or Shuttle. In such cases, the Employee assigned as the first point of contact to covering one such branch should be in a position to cover the branch at short notices within a reasonable timeframe. Reliable transportation to cover branches is solely the responsibly of the employee.

REQUIRED QUALIFICATIONS:

EDUCATION & EXPERIENCE
High school diploma or equivalent (GED), with minimum 12-months Teller or retail cash handling experience. Proficient in Microsoft Word. Ability to sell products and services and make referrals. Knowledge of Credit Union principles and practices preferred. Excellent verbal communication skills.

REQUIRED COMPLIANCE COURSES
Ensure that work results and processes comply with relevant laws and with established NIHFCU policies, procedures, and practices, including, but not limited to, the Bank Secrecy Act (BSA).

Attend all required training or complete and pass all online required training courses as applicable.

LANGUAGE SKILLS
Ability to read, write and comprehend the English language and understand basic instructions, correspondence and emails.

MATHEMATICAL SKILLS
Ability to apply concepts such as fractions, percentages, addition, subtraction, multiplication, and division in all units of measure using whole numbers, common fractions, and decimals. Ability to perform these operations using units of the United States Dollar (USD). Ability to calculate figures and amounts and work with statistical concepts.

How to Apply  I  Benefits