Careers at NEFCU

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: 

Reviews, evaluates, and then accepts/denies consumer loan files using the internal Underwriting Standards to determine creditworthiness of the applicant. Responsible for training all consumer lending staff.

Specific Duties Include:

• Receives and reviews loan files for sufficient documentation to make an informed loan decision based on the product description and standard underwriting guidelines. If there is insufficient information, requests the required information or documentation from the processor, originator, or member. Complete a thorough analysis of the loan package to determine compliance with company and/or investor requirements.
• Provides effective and timely communication with management, and staff to meet deadlines.
• Based on the loan decision, reviews for accuracy all information in the Underwriting sections. and corrects as necessary. Determines if any refund of fees per policy and procedure is due and then comments Underwriting Decision and intake sheet for the loan file.
• Reviews appraisals to determine the consistency of the information, if the comparables have been used within reasonable tolerance to support the final value, and if any additional underwriting considerations need to be made based on the condition of the property or of other conditions recommended/required by the appraiser.
• If the loan is denied, submits the loan file to appropriate party for a dual review.

Qualifications:

• Three years to five years of similar or related experience, including preparatory experience.
• A high school degree or equivalent. College degree preferred.
• 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.

E.O.E.        

Position description:  The Account Review Specialist is responsible to review account changes on new and existing accounts, ensure proper documentation is received and completed, as well as ensure system integrity and review transaction errors and remedy any issues.    

 Specific duties include: 

• Reviews account changes on new and existing accounts.
• Ensures received documentation is complete and any legal and/or required documentation is received and archived.
• Processes transactions daily for all incoming mail deposits, loan and credit card payments including check scanning for processing and collection.
• Reviews and remedies share draft exceptions as well as handles check adjustments
• Reviews and posts returned checks as appropriate.
• Reviews debit and credit card reports to ensure portfolio integrity and cards are ordered per procedure.
• Tracks and communicates any errors.
• Prints and mails all necessary notices.
• Handles returned mail to update addresses.

Qualifications:

• High School degree or equivalent.
• One year or more of similar or related experience, including preparatory experience.
• Strong knowledge and understanding of deposit regulations, BSA and deposit risk.
• Strong research ability, attention to detail and ability to manage multiple priorities with varying deadline

E.O.E.

Hours: NEFCU’s Contact Center is open Monday-Friday from 8:00 a.m. to 6:00 p.m. and Saturdays from 9:00 a.m. to 1:00 p.m.  We’re looking for out-going, curious, and dedicated people who are interested in working full- or part-time within that framework. We understand it can sometimes be difficult to find a perfect work/life balance – that’s why we offer flexible scheduling - let’s find what works for you and NEFCU.  Whether you’re looking for a set schedule or need something a bit out of the box to fit around family or school obligations, reach out to the winner of the Seven Daysie’s “Best Bank/Credit Union” every year since 2012 and become part of our awesome team!

Position description:

This position provides direct services and support to our members within a fast-paced call center environment.  This role answers questions and provides superior customer service to our members regarding NEFCU products and services. 

 Specific duties include: 

• Manage high volume of calls exercising superior customer service and upholding established response standard
• Respond accurately and timely to member initiated questions and problems
• Uncover member unmet needs and goals through dialogue based engagements and providing appropriate solutions
• Solve problems and investigate a wide variety of issues and requests that may include gathering additional information and working with other support staff
• Knowledge of NEFCU products and services
• Report trending issues to management based on member comments

 Qualifications:

• High School diploma or equivalent required
• Previous customer service experience
• Ability to manage multiple priorities timely with accuracy
• Strong attention to detail
• Superior customer service skills and communication skills
• Proficiency with computers

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.

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:

Assists management with ensuring overall accuracy and integrity of financial data and is responsible for the more advanced general ledgers and critical accounting responsibilities. Assist staff accountants with day-to-day questions/requests and with other needs in the absence of the manager. May assist with external audit and examinations and regulatory filings. Assists with special projects assigned by management. 

 Specific duties include:

• Performs daily lending reconciliations and reviews to ensure integrity of These include review of Parent/Child loan GLs, P&I deposit accounts for Freddie Mac & Fannie Mae, record all loan sale settlement entries, reconciliation of secondary market transactions and mortgage servicing rights, SBA/USDA loans, indirect auto loans, and appraisal activity.
• Provide support to Loan Servicing to resolve loan and secondary market investor reconciliation issues.
• Responsible for the completion of regulatory reporting including NCUA 5300 Call Report, 945 tax return, 1042 tax return, and FHLB QCR.
• Complete quarterly loan profitability reports (mortgage, auto, indirect auto and Visa)
• Oversee lease accounting including setting up new leases and ensuring monthly lease accounting entries are made properly.
• Assist Controller with preparation and coordination of various internal and external audits as well as other ad hoc
• Other daily reconciliations as assigned.
• Back-up other responsibilities in the department as assigned.
• Must comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.

Qualifications: 

• A college degree

• Five to eight years of similar or related experience, including preparatory experience.
• 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.

EOE

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:

Supports a range of administrative and operational tasks associated with the facilities maintenance function, security systems operation, and supply chain fulfillment. Acts as a primary contact regarding all facility related activity at the assigned office building and assists with maintenance, event set-up, and provides on-call backup for emergency response.

Specific duties include:

• Maintain a centralized Employee and Vendor Photo-Card Access System including issuing and recording access badges, recovery of expired badges, audit of system access controls, termination of lost badges, and provides new hire Staff orientation regarding physical security expectations.
• Inspects security systems, AEDs, and fire extinguishers per defined scheduled for proper operations ensuring NEFCU assets (including Staff) are protected.
• Supply chain fulfillment including executing all activities related to creating and maintaining records associated with inventory of forms, general supplies, and envelopes; maintain and organize physical inventory and warehousing space; prepare and update audit tracking reports, selecting, and staging inventory to be transported to branches and other NEFCU department; and maintains necessary supplies and copier paper quantities.
• Maintains and distributes inventory of official checks, accounting checks, and auto checks in a secured, locked environment.
• Assist Facilities team by acting as a point of contact for facilities and security related matters including execution of light maintenance activity, department administrative tasks, event set-up, and participates in after hours on-call function.

Qualifications:

• High school diploma, GED, or equivalent.
• Minimum of one (1) to three (3) years’ experience in similar or related operations capacity.
• Must have current valid State of Vermont Driver’s License with acceptable driving record.
• Must be able to lift and move up to 75 pounds.
• Ability to sit, stand, bend, stoop, push, pull, reach, kneel, and load items overhead.
• Demonstrated ability to utilize computer software and other requisite programs.
• Active listening, interpersonal communication, and problem-solving skills to effectively resolve questions, concerns, issues or problems and ensure cooperative and productive working relationships.
• Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team.
• Travel outside primary work location daily to other branches and locations as needed.

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