Carreras

Manages and directs Consumer Lending staff, resources, and processes which consist of loan application, underwriting, processing and booking, third-party vendor management, loan origination system configuration, and deploying internal credit risk controls. Attendance is an essential function of performing the duties of this job.

Essential Functions & Responsibilities:
20% Ensures the efficient and effective delivery of consumer loans to members and prospective members through various direct and indirect channels.
20% Creates and develops strategies to drive consistent loan decisions, portfolio performance, and channel growth to align with ACU's sales and lending goals.
20% Develops, motivates, and retains high-quality staff, with a focus on training, coaching, and developing the team.
15% Works collaboratively to evaluate the effectiveness and relevance of systems and software utilized by the Credit Union to originate loans, generates sales leads, evaluate risk, assess potential fraud, appraise credit, and comply with regulatory governance.
10% Ensures departmental compliance with laws, regulations, standards, and best practices including completion and maintenance of documentation and records.
5% Works with Marketing to develop campaigns to support direct sales strategies and goals.
5% Develops and implements new consumer loan products and lead and participate in department and organizational projects.
5% Performs other related duties as assigned.

Performance Measurements:
1. Meet Annual Budget Loan Growth Goals by providing sales leadership to consumer loan officers, indirect lending team, and relevant support staff.
2. Provide coaching to each employee at least once a month through shadowing and silent monitoring.
3. Utilizes resources and tools to track team performance to meet deadlines and goals. Reports executive summary to SVP/CLO monthly.
4. Embodies and demonstrates ACU's Core Values each and every day.

• Inclusion
• Integrity
• Service

5. Embodies and demonstrates ACU’s Leadership Values each and every day.

• Growth
• Innovation
• Collaboration

Experience
Five to ten years of similar or related experience
Education
(1) A bachelor's degree, or (2) achievement of formal certifications recognized in the industry as equivalent to a bachelor's degree (e.g. information technology certifications in lieu of a degree).

Interpersonal Skills
Motivating or influencing others is a material part of the job. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas or services to others. The role requires a significant level of trust or diplomacy.

Other Skills
Embodies and demonstrates ACU's Core Values each and every day.
1. Inclusion
2. Integrity
3. Service

Embodies and demonstrates ACU's Leadership Values each and every day.
1. Growth
2. Innovation
3. Collaboration

Must have good communication and supervisory skills.
Must have a working knowledge of spreadsheets and word processing software; be able to use PC and general office equipment including 10-key calculator.

Physical Requirements
The physical requirements described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the functions. While performing the duties of this position, the employee is regularly required to talk and hear. The employee frequently is required to use hands or fingers, handle or feel objects, tools, or controls. The employee is often required to stand; walk; sit; and reach with hands and arms. The employee may occasionally lift and/or move up to 25 pounds. Vision abilities required by this position include close vision. Safety Sensitive Position.

Work Environment
This position is in an office environment and the noise level is usually low to moderate.
This Job Description is not a complete statement of all duties and responsibilities comprising the position.

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Lower East Side People’s Federal Credit Union 

Chief Marketing Officer 

Reports to: President/CEO Requirements: Bachelor’s Degree required. 10+ years related experience in communications, outreach, marketing and/or business development, with at least 5 years in a leadership role. A financial services background is preferred. 

Qualifications: Strong track record leading credit union marketing, community engagement and communication. Candidates should have strong public speaking, writing, web and ad design, strong analytical, organizational and interpersonal skills. Spanish fluency is strongly preferred. Must have familiarity with social media strategy and content creation as well as a demonstrate ability to work effectively within a team. Experience with or knowledge of Community Development Credit Unions (CDCUs), Community Development Financial Institutions (CDFIs), or other cooperatives is also a plus.

Employment Status: Exempt, Full Time Salary Range: $90,000 - $120,000 with a generous benefits package 

Location: This hybrid position will primarily work from LESPFCU’s main branch at 37 Avenue B in New York City but will regularly travel between branches.

Employment Status: Exempt, Full Time 

Salary Range: $90,000 - $120,000 with a generous benefits package 

Location: This hybrid position will primarily work from LESPFCU’s main branch at 37 Avenue B in New York City but will regularly travel between branches.

Marketing, Public Relations and Business Development 

• Design and implement a 1-3 year marketing plan for membership growth and greater utilization of LESPFCU’s products and services by new and current members, with an emphasis on business development. 
• Develop and monitor the credit union’s annual marketing budget and strategic marketing plan to strengthen brand equity and deepen community relations. 
• Research and analyze the LESPFCU market (membership and community) and work with staff to determine and implement appropriate products, services and programs to service that market. 
• Measure and report on campaign and promotion results for member growth, profitability and satisfaction. 
• Recommend new services and changes in existing services to meet the financial needs of members. • Develop relationships with local media, community information outlets and other venues to advertise the programs and services of LESPFCU. 
• Develop and maintain relationships with community partners, local businesses, non-profits and organizations to meet their financial needs and those of their constituents. 
• Prepare and disseminate LESPFCU marketing and outreach materials, including LESPFCU’s monthly member statement inserts, bimonthly e- newsletters, and press packets. 
• Maintain LESPFCU’s website with updated information on products, services, rates and contacts. 
• Manage LESPFCU’s Annual Report project (layout, design, translations, etc.). 
• Maintain database of our community partners, media resources, local elected officials, community businesses, vendors, and other pertinent directory information. 
• Ensure translation of all marketing materials. 
• Create press releases as needed to disseminate information on innovative programs and partnerships to a national audience, in order to demonstrate to a broad range of socially responsible investors the impact of LESPFCU. 
• Develop, apply, and evaluate policies and procedures for the department. 
• As requested by the CEO, represent LESPFCU at roundtables and conferences on a city, state and national level.

Community Engagement 

• Develop and maintain relationships with business and non-profit organizations, as well as elected officials and public agencies, to identify opportunities for LESPFCU’s growth and resource development through various means including correspondence and meeting attendance. 
• Develop and deepen partnerships with LESPFCU’s Selected Partner Groups to recruit new members, engage existing members, and advance LESPFCU’s mission of financial inclusion. 
• Participate in community fairs, carnivals, block parties and other outdoor activities that provide LESPFCU the opportunity to display and represent the organization, its products and services.

Resource Development 

• Work with senior management to identify member needs. 
• Perform research as needed with regard to our current products and services as well as proposed products and services. 
• Centralize tracking of key impact data points and develop monthly/quarterly impact reports. 
• Prepare borrower profiles and stories that demonstrate the impact the credit union has had on the lives of members and the community.

Event Organizing 

• Coordinate our yearly annual meeting. 
• Supervise the development of LESPFCU’s events and programs to maximize community involvement, raise resources and recognize key supporters of LESPFCU. 
• Help coordinate and organize community financial literacy workshops with the Financial Advisor.

Other 

• Submit Board reports on a monthly basis that reflect progress in the above categories. 
• Perform all other duties assigned by management for the smooth and efficient operation of the credit union.

To Apply: Email your resume and cover letter to hr@lespfcu.org with “Chief Marketing Officer” in the subject line.

Loan Processor, Bilingual 

Princeton, NJ 

Princeton Federal Credit Union (PFCU) is seeking a reliable, ambitious and bilingual loan processor to join our people-focused team. The primary objective of the Bilingual Loan Processor is to support this corporate mission statement in carrying out the duties of this position, specifically by processing loans – with a prioritized focus on those loan applications received from Spanish-speaking applicants.

Position Summary:

This full-time Bilingual Loan Processor will review newly-received loan applications, with a prioritized focus on those indicating a preference to communicate in Spanish. This role will gather and organize required information from applicants, making necessary calculations and preparing the loan applications for loan officer review.

The Bilingual Loan Processor acts as our primary point of contact for applicants through to and including closing, where final loan documentation is signed. The work requires accuracy, timeliness, detail-orientation and strong verbal and written communication skills.

This role will join a closely-bonded team of lending professionals who are committed to training and supporting new joiners. The selected candidate will also partner with bilingual colleagues in Community Business Development and Member Services, and will occasionally be asked to join external events and presentations dedicated to increasing awareness of PFCU among multicultural audiences in Mercer County, NJ.

Essential Functions:

1. Support the corporate mission and consistently demonstrate Princeton Federal Credit Union’s core values of Great People, Integrity, Service Mindset and Teamwork as described in our Core Values Statement. Be an active member of a closely-knit team working towards achieving the institution’s strategic initiatives.

    

-Embrace the core values

-Take initiative

-Drive change

-Take on challenges

-Be an innovative thinker

Work alongside Lending, Member Services, E-Services, Marketing and Community Business Development colleagues to help improve the financial well-being of current and prospective members, providing proactive communication and white-glove service to members – prioritizing those who prefer to communicate in Spanish. Promote Credit Union products and services as appropriate.

• Answer calls, assisting members in understanding our product set and in completing the loan application process for various types of loans. Request proof of income and any necessary background information during the application process. Ensure completeness and accuracy of information. 
• Review loan applications as they appear in our core processing system, Keystone. Retrieve credit report for all applicants. Verify income and value of collateral, calculate debt-to-income and unsecured debt ratios. 
• Submit processed loan applications to loan officers for review. Process new VISA accounts as approved, setting them up on the credit card processing system and verifying that setup on the core processing system the following day; additionally, set up any pledged information for cards. 
• Process VISA card increases, balance transfers, adding cardholders, updating addresses and entering travel alerts. 
• Assist with loan closings by printing and preparing settlement documents and signing documents with members as necessary. 
• Provide quality control through post-closing loan file audits and core processing system reviews. 
• Work with a third-party vendor to submit mortgage documents for recording and satisfaction in appropriate counties; pull paid loan files and mail satisfied mortgages to members. 
• Process loan payoff requests and skip-a-payment requests. 
• Develop mastery of our client-facing applications including Online Banking (OLB) and Loan Pay Express (LPE), as well as back-end applications including Secure Messaging via Mahalo. We will train the right candidate on usage of these tools. 
• Understand compliance issues and complete all required trainings, as they relate to the position; including, but not limited to, the Bank Secrecy Act and the USA Patriot Act. 
• Must register with the National Mortgage Licensing System and satisfy the requirements of a mortgage loan originator on an ongoing basis as per the Credit Union’s Safe Act Policy in compliance with federal regulations and the requirements of the Secure and Fair Enforcement of Mortgage Licensing Act of 2008. 
• Perform other duties or responsibilities as required or assigned.