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Vice President of Lending - Rockville

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

Responsible for managing and continuing to grow consumer lending, mortgage sales, mortgage operations and mortgage servicing, while minimizing loan delinquencies and losses. The incumbent has the ability to function, and manage, at a strategic level and accept accountability for results. Provides strong leadership and drives performance with a hands-on approach in managing the growth and development of all areas of the consumer and mortgage loan departments. The incumbent is a strong collaborator and works well with management counterparts to advance the strategic objectives of the credit union.

MAJOR DUTIES AND RESPONSIBILITIES

  • Serves as an active member of NIHFCU Executive Team, working with Board members, Executive management and NIHFCU staff to develop business goals and strategies to meet the objectives set by the Board of Directors.
  • Executive level responsibility for the management of all applicable regulatory compliance (FCRA/FACTA, TRID, etc.); working within Agency (FNMA/ FHLMC), Investor (FAMC) and Portfolio environments.
  • Responsible for managing the entire mortgage lending process:
    - Loan Origination
    - Processing
    - Underwriting
    - Closing
    - Post-Closing/ Delivery
    - Servicing
  • Demonstrate leadership within areas of responsibility and ensure a culture of professional development through coaching and mentoring staff.
  • Ensures member satisfaction with all loan channels, loan related products/services and points of contact with credit union lending areas.
  • Develops strategies for continued growth of loan products, profitability and efficiency, while ensuring alignment with strategic goals and direction.
  • Responsible for creating and maintaining a sales culture in all lending areas and growing the consumer and mortgage lending portfolios.
  • Create, manage and monitor credit union strategic plans, initiatives, metrics and the annual operating budget for all lending related departments.
  • Maintain and review monthly statistics on management and reports to evaluate quality of loan applications submitted and the quality of loan decisions made by underwriters.
  • Direct the development and implementation of the annual budget for Consumer and Mortgage Lending Departments.
  • Perform random and periodic monitoring of lending activity to assure appropriate lending decisions are being made by staff and loans are within the guidelines of the credit union.
  • Provide overall strategic direction, leadership and day to day management for Lending, and Loan Servicing programs.
  • Maintain responsibility for all compliance related requirements in Lending and Servicing.
  • Responsible for managing to all lending related policies and procedures, pricing and loss prevention tools.
  • Evaluate, monitor and report to Senior Vice President of Lending, the effectiveness of credit union lending practices and underwriting guidelines.
  • Report to management team on lending activities and results on a monthly basis.
  • Represent the credit union internally and externally for lending compliance and NCUA rules/regulations and directives.
  • Participate with department, or other staff, in community related activities and community service initiatives to promote business development and a positive image of the credit union.
  • Work with Marketing to ensure plans are consistent with established initiatives/goals and are compliant with applicable regulation.
  • Work with IT to ensure that the lending function is keeping pace with the technological advancements developed in the market space.
  • Ensures 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).
  • Provides leadership through personal actions and day-to-day management practices that support NIHFCU’s values.
  • Perform other related work as assigned and initiative using available resources to achieve established goals.
  • The ability to be bonded

EDUCATION & EXPERIENCE

  • Bachelor’s Degree in Business or a related field
  • Minimum10 years of direct experience in banking financial services.
  • Minimum 5 years of direct supervisory experience.
  • Working knowledge of risk based lending.
  • Strong credit background with lending authority. Possess ability to analyze credit reports, appraisals, financial statements, tax returns and other financial documents.
  • Must be eligible to register and maintain licensing with NMLS system.
  • Must be knowledgeable and have the ability to ensure the credit union complies with all policies and procedures, applicable laws, regulations, including but not limited to the Bank Secrecy Act, the Patriot Act and the Office of Foreign Assets Control.
  • Experience in managing loan officers, loan originators, loan processors and sales representatives.
  • Must have experience with fixed and adjustable rate loan products for both first and second trusts (including HELOCs) in a multi-state environment.
  • Must be well versed in operating in the secondary market environment (Agency & Investor) relative to pricing and delivery.
  • Must be well versed with regulatory requirements as they pertain to Mortgage loan servicing (HMDA, Escrow management).
  • Must be well versed in dealing with risk-based pricing and must be familiar with the requirements relative to multi-state auto titling.
  • Knowledge of applicable federal and state lending regulations.
  • Strong Microsoft Office Suite knowledge and 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.

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.


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Core Systems Analyst

NIH Federal Credit Union with more than $550 million in assets is currently seeking a highly-qualified and energetic individual for a Core Systems Analyst.

The Core Systems Analyst (CSA) will provide support for the Core financial system and related systems and applications. The CSA will support the activities of the IT Department and Help Desk, coordinating required service and technical support for “Core-based” systems, and utilizing system and organizational knowledge to facilitate problem resolution. The CSA functions as administrator of databases and facilitates reporting using available software tools. The CSA may also serve as lead and/or primary technical resource for special projects.

MAJOR DUTIES AND RESPONSIBILITIES

  • Manages day-to-day operations of the Credit Union's core financial application (Fiserv Spectrum) and related systems, monitoring these systems and ensuring that they are running effectively.
  • Administers and monitors the job scheduling system (Automic/UC4) to ensure successful completion of routine scheduled tasks.
  • Serves as database administrator (primarily SQL Server and Eloquence), ensuring procedures are developed for ensuring the security and integrity of data.
  • Resolves database performance issues, database capacity issues, replication, and other distributed data related issues.
  • Designs, develops, and modifies custom reports and application enhancements using available software tools - SQL Server, Suprtool, VisImage, Visual Studio, etc.
  • Coordinates required services and technical support for UNIX and LINUX-based systems under management. Functions as a UNIX\LINUX resource with proficiency in system tuning and shell scripting.
  • Administers, maintains, and provides application support of the document management (EDM) system, ensuring that processes are in place for the proper storage and retrieval of archived documents.
  • Supports the activities of the Help Desk as a Tier-3 resource. Monitors Help Desk records to be sure that relevant user requests are addressed, escalated as appropriate, and resolved in a timely manner.
  • Performs root cause analysis and decision making with regard to critical client and team member tickets and issues.
  • Coordinates with vendors on the upgrade and maintenance of supported systems, including but not limited to, database and application patches, version upgrades, configurations, test environments, operating systems and conversions.
  • Functions as administrator of security for all systems under management, and ensures that a user maintenance policy is in place.
  • Ensures strict adherence to policy and procedures for maintaining backups and off-site storage for application data.
  • Serves as a member of the Disaster Recovery Team. Duties include revising contingency plans, preparation and maintenance of the hot site, facilitation of all tests, as well as other related business continuity tasks.
  • Works closely with all levels of management and team staff in all departments to identify, and assist end-users in meeting corporate business objectives.
  • Develops and administers project plans as assigned.
  • Updates and maintains appropriate policies and procedures for supported application systems, in adherence to internal audit and risk management guidelines.
  • 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.
  • 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 BSA training or completes and passes all online BSA training tests as applicable.
  • Report to the position supervisor, the Security Officer, the Audit/Compliance Manager, Human Resources Manager or to the complaint vendor any actual or suspected fraud or financial dishonesty or wrong-doing involving Member transactions, Associates, or NIHFCU.
  • The incumbent is required to work either on site or remotely outside of normal work hours to meet processing schedules and to execute maintenance and upgrades of mission critical systems and hardware. Considered to be on call “24 X 7”.
  • Perform other related work as assigned and initiative using available resources to achieve established goals.
  • The ability to be bonded

Special Support Requirement
The team member is required to work either on site or remotely outside of normal work hours to meet processing schedules and to execute maintenance and upgrades of mission critical systems and applications. Additionally, the incumbent is on call 24 X 7.

EDUCATION & EXPERIENCE

  • A BS in an information technology discipline is strongly desired.
  • Experience in Banking Core platform (FiServ Spectrum) is strongly preferred.
  • Experience in application development/programming using current and legacy versions of Visual Basic and C#.
  • Additional training in systems, applications and tool sets are required to support the current core and operational environment. This requirement is assessed annually for facilitate a training plan.
  • A+/Net+ certifications preferred.
  • Requires a minimum of five years’ experience working with various functions of operating client server technology and peripheral equipment in an operations center.
  • Knowledge of data processing procedures and familiarity with financial institution operations.
  • Ability to comprehend and perform duties independently.
  • Excellent analytical, problem-solving, organizational & communication skills.
  • PC skills should include strong hardware and software knowledge and ability to troubleshoot and diagnose technical problems.
  • Familiarity with project planning methodology.
  • Ability to work independently and handle multiple tasks/multiple priorities.
  • Demonstrate outstanding initiative.
  • Possess and demonstrate outstanding people skills.
  • Possess and demonstrate excellent project management skills.
  • Ability to manage multiple tasks simultaneously.
  • Ability to research/recommend/implement new technologies, ideas, and concepts in a timely fashion.
  • Ability to work effectively and diplomatically with all staff.
  • Ability to communicate effectively orally and in writing.
  • Ability to foster a team environment.

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.


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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.  EEOC/ADA.

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