Careers at NEFCU

Position Description:

The Teller provides efficient, accurate, and polite service to members and follows policies and procedures while conducting transactions such as deposits and withdrawals.  Establishes and maintains effective member relationships by anticipating member needs and providing service that is above the members expectations.  Demonstrates personal commitment to continuously develop technical skills needed to conduct member transactions. Demonstrates empathy for member’s needs and refers members to member service staff when a financial need is discovered.

Specific duties include:

• Deposit and Cash Coin Slips for Member; Redeem Visa Points for members in Springboard and Phoenix; Input Savings Bond transaction; Perform general payment application to Loan Account; Process/Pay off auto and personal loans; Process cash deposits with U.S. Currency only; Deposit Checks & Specialty Checks with guidance and assistance from other Tellers, as needed.
• Cash checks with guidance and assistance from experienced Tellers; Exchange foreign currency with guidance and assistance from experienced Tellers; Process Cash Advance withdrawal transaction; Process Line of Credit (LOC) Advance withdrawal transaction; Perform Cash/Currency Exchange; Conduct Non-Member Transactions; NEFCU Check (“on-us” check); Cash Advance for non-NEFCU Visa; Savings Bond redemption; Input of transaction
• Balance own drawer with minimal assistance; Balance checks with minimal assistance.

Qualifications:

• Must be at least 18 years of age
• High school diploma, GED, or equivalent
• Travel to other branches in Chittenden and Franklin County may be required
• Previous cash handling and customer service experience preferred
• Strong attention to detail, trustworthy, reliable, dependable, and interpersonal savvy are all highly desired

E.O.E

Position Description:

The Mortgage Loan Assistant provides direct mortgage services and supports the Mortgage Loan Originators by providing administrative service throughout the mortgage loan process. This position will be responsible for taking and answering all incoming calls for the team and providing support to our membership within NEFCU retail service hours. The hours of work for this position are subject to service delivery requirements within this timeframe and may also include overtime.

Specific duties include:

• Manages the mortgage loan application pipeline in conjunction with mortgage loan officers to achieve maximum efficiency and member/Realtor satisfaction.
• Manages daily phone and e-mail volume in a timely manner providing borrowers with accurate information, scheduling quality appointments, and ensuring borrowers are prepared for their appointments.
• Track’s receipt of loan conditions to give Realtor status updates for appraisal contingency, financing contingency and closing date.
• Provides exceptional customer service and effective communication to Realtors throughout purchase process.
• Supports the Mortgage Loan Officers system updates, sets tolerances for Loan Estimates and re-disclosing the LE as required.
• Participates in active dialogue and listening to understand member’s overall financial goals or objectives to present specific products and service solutions to meet their individual needs. 

Qualifications: 

• High school diploma or equivalent required
• Direct experience within mortgage arena preferred
• Minimum of one year of similar or related experience, including preparatory experience
• Excellent interpersonal and listening skills along with strong verbal and written communications
• Ability to prioritize various demands in a fast-paced environment

E.O.E.

Hours: 40-hour work week, between the hours of 8am-6pm Monday-Friday, including one or two Saturdays a month 9am-1pm.

Position description:

The Member Service Representative’s (MSR’s) role is to provides efficient, accurate, and polite service to members while gaining insight into their financial needs. Primarily performs service needs but will uncover member financial goals through discovery conversations. Refers members to specialist when member need is discovered that requires specialized assistance. Able to assist members with teller-based transactions and perform duties of a concierge for the branch.

Specific duties include:

• Engage members through active dialogue and listening, to uncover unexpressed financial goals and objectives. 
• Actively promotes, demonstrates, and educates members on services that member is not using when fit and need have been identified.
• Open new memberships, accounts, loans, and services within established guidelines.
• Support a variety of branch functions including the Teller role.
• Understanding basic features of all products and services that the credit union offers and frame how these may benefit members.

 Qualifications:

• High School degree or GED required
• Exceptional interpersonal skills and excellent verbal and written communication
• Accurate cash handling skills
• Strong attention to detail, ability to multi-task and problem solve
• Proficiency with personal computers

E.O.E.

Position description:

This position will efficiently and accurately conduct teller transaction while providing our members with exceptional customer service. This Teller position will handle a variety of transactions at various branch locations (any of our six branch locations in Chittenden County or our St. Albans Branch).

Specific duties include:

• Performs professional, friendly, efficient, and accurate teller transactions
• Follows policies and procedures established for the teller position
• Listens for and demonstrates empathy for member needs and refers to appropriate staff when financial needs are identified
• Supports member inquiries through a working knowledge of financial transactions, products and services

Qualifications:

• High School degree or equivalent
• Accurate cash handling skills
• Proficiency with personal computers
• Strong attention to detail, upholds teamwork, problem solving proficiency and exceptional verbal and written skills

EOE

Position description: 

The Member Service Representative’s (MSR’s) role is to build member relationships by initiating questions to understand the member’s financial needs and assist in providing solutions to their requests in a friendly and accurate manner.

Specific duties include:

• Engage members through active dialogue and listening, to uncover unexpressed financial goals and objectives. 
• Actively promotes, demonstrates, and educates members on services that member is not using when fit and need have been identified.
• Open new memberships, accounts, loans, and services within established guidelines.
• Support a variety of branch functions including the Teller role.
• Understanding basic features of all products and services that the credit union offers and frame how these may benefit members.

 Qualifications:

• High School degree or GED required
• Exceptional interpersonal skills and excellent verbal and written communication
• Accurate cash handling skills
• Strong attention to detail, ability to multi-task and problem solve
• Proficiency with personal computers

E.O.E.

Position Description:

The Member Service Representative’s (MSR’s) role is to build member relationships by initiating questions to understand the member’s financial needs and assist in providing solutions to their requests in a friendly and accurate manner. 

Specific duties include:

• Engage members through active dialogue and listening, to uncover unexpressed financial goals and objectives.
• Actively promotes, demonstrates, and educates members on services that member is not using when fit and need have been identified.
• Assist the member by opening and closing accounts, issuing debit cards, providing rate quotes, and account maintenance and services within established guidelines.
• Act as a resource and explain the loan application process.
• Support a variety of branch functions including the Teller role.
• Understanding basic features of all products and services that the credit union offers and frame how these may benefit members.

 Qualifications:

• High School degree or GED required
• Previous customer service experience
• Exceptional interpersonal skills and excellent verbal and written communication
• Strong attention to detail, ability to multi-task and problem solve
• Proficiency with personal computers

 E.O.E.

Position description: 

Plans, designs, develops, and launches efficient information systems and operations systems in support of core organizational functions.

 Specific duties include: 

• Meets with decision makers, systems owners, and end users to define business requirements and systems goals, and identify and resolve business systems issues. Interacts with the Technology department on the analysis and testing of all new system enhancements and productivity tools. Aid in establishing work procedures to meet production schedules.
• Defines how the scope, goals, and deliverables of IT projects should support business goals, in collaboration with management.
• Ensures compatibility and interoperability of in-house computing systems. Provides on-going support toward the development of software workflows, custom forms, SQL queries, and other application controls
• Takes part in the testing of program fixes submitted by functional department that is geared to resolving operational problems. Install, test, and debug new enhancements received from software vendors in accordance with standard operating procedures and practices to ensure proper utilization before implementation of the production system.
• Coordinates and performs in-depth tests, including end-user reviews, for modified and new systems. Where applicable, designs, develops, and oversees implementation of end-to-end integrated systems.
• Assists employees in solving routine system software, hardware and procedure problems.

Qualifications:

• Three years to five years of similar or related experience, including preparatory experience.
• A college degree.
• A significant level of trust, credibility and diplomacy is required. In-depth dialogue, conversations and explanations with customers, direct and indirect reports and outside vendors can be of a sensitive and/or highly confidential nature. Communications may involve motivating, influencing, educating and/or advising others on matters of significance. Typically includes subject matter experts as well as first level to middle managers.
• Knowledge of technology programs utilized by the banking industry including, but not limited to, Miser, S1, Fiserv/easy LENDER, Internet/Intranet applications and Microsoft Office products.

E.O.E

Position description:

Responsible for the design, implementation, documentation, and maintenance of credit unions enterprise application integrations. You’ll participate in requirements analysis, requirements management, functional analysis, performance analysis, system design, trade studies, systems integration and test (verification) in the development and evaluation of applications and information systems. Utilize integration framework software to source, integrate and connect disparate systems to provide a unified member experience across product lines and internal teams. Lead efforts in conjunction with third party vendors to utilize integrations and robotic process automation to create efficiencies in streamlining routine business processes. Ensure integration process functionality through ongoing monitoring and maintenance of related processes.

Specific duties include: 

• Design, implementation, and support of enterprise network and server infrastructure. Act as technology lead for assigned projects to ensure successful and timely completion of core infrastructure initiatives.
• Troubleshoots problems with integration framework or data flow between systems to include associated overnight processing. Ensure uptime metrics are monitored and met.
• Lead efforts in conjunction with third party vendors to utilize integrations and robotic process automation to create efficiencies in streamlining routine business processes.
• Represent the credit union in working with vendors or consultants to meet strategic business objectives.
• Ensure and promote the development of team members through coaching, training, and leadership. Participate in industry conferences and continuing education to bring the latest technologies and methodologies to the credit union.

 Qualifications:

• Eight years to 10 years of similar or related experience, including preparatory experience. Qualified individuals will have experience developing, integrating, and verifying functional models as well as experience in system integration and testing of a software intensive embedded/distributed system. Solid knowledge of systems engineering concepts, principles and theories Solid knowledge of requirements management and system modeling tools Familiarity with technical standards Experience developing and testing functional models Experience in system integration and testing.
• A college degree.
• The ability to motivate or influence internal or external senior level professionals is a critical part of the job, requiring a significant level of influence and trust. Obtaining cooperation and agreement on important outcomes via frequently complex, senior level dialogues, as well as a professional level of written communication skills are essential to the position.

E.O.E.

Position Description: Manage a team of Commercial Credit Analysts and Portfolio Managers and provide credit support and service to the Business Lending team. Perform independent credit analysis and risk assessment on larger and more complex credit relationships. Review and analyze borrower/guarantor financial information on an ongoing basis and assist with monitoring the financial condition and performance of borrowers.

Specific Duties Include:

• Manage and provide leadership for a team of Commercial Credit Analysts and Portfolio Managers to ensure an efficient level of production and extraordinary service.  This includes attracting, recruiting, motivating and retaining team members. 
• ​​​​Train, develop and mentor new and existing Commercial Credit Analysts and Portfolio Managers in all areas of job responsibilities.  Review loan write-ups completed by team for accuracy and completeness; coach team on any errors or areas for improvement.
• In collaboration with the Business Lending Officers, complete comprehensive credit analysis and underwriting on larger and more complex credit relationships in a professional, timely and efficient manner.  Identify and assess key risks associated with a borrower’s financial performance, industry and other variables that should be considered in determining a borrower’s risk profile.  Review the proposed loan structure to determine if it is appropriate to sufficiently mitigate and manage risk.  Make independent recommendations regarding credit risk supported by comprehensive analysis.
• Assist with loan portfolio management, reporting, and commercial appraisal reviews.
• Provide recommendations and day to day guidance on new and existing workflow process, policies and procedures. 
• Assists Business Lending Officers with review of workout loans to determine cause(s) of loan relationship challenges.  Determine collateral position, lien perfection, collectability and enforceability, and assist in working with outside legal counsel and agents on loan resolution.
• Continuously seek additional knowledge and training to enhance skills of self and team.
• Serve as lead on special projects as directed.
• Maintain confidentiality; adhere to Credit Union policies and procedures; comply with laws, regulations, and industry best practices.

Qualifications:

• 5+ years of commercial lending, credit, and/or underwriting experience.
• Prior experience managing a team preferred.
• Prior commercial loan workout experience preferred.
• Bachelor's degree in Finance, Economics, Accounting, or other related field.
• Solid credit fundamentals in a commercial environment- Formal credit training required.
• Strong judgment and analytical skills.
• Strong interpersonal skills- Capable of building relationships with others to gain buy-in and influence.

E.O.E.