Careers at Wheelhouse

Salary Range: $24.56- $30.70/hour

Position Purpose:
Following established policies and procedures and under the guidance of the AVP of Finance and Accounting. The Accountant II position provides broad-based accounting assignments requiring knowledge of accounting theory and in compliance with Generally Accepted Accounting Principles (GAAP). Responsibilities include employee payroll processing, ACH Processing, general ledger/bank account reconciliations, month-end close tasks, Accounts Payable, wire processing, and tax reporting. Assist in the completion of accurate and timely financial records for the Credit Union. Provide recommendations in process improvements while ensuring internal controls. Update procedures timely and accurately.

Essential Duties and Responsibilities:

• Process employe payroll using automated payroll system accurately and timely.
• Process ACH incoming and origination files, ensuring compliance with all NACHA regulations.
• Complete general ledger and/or bank account reconciliations and ensures the accurate and timely resolution of reconciling items. Perform research and correct discrepancies.
• Prepare periodic, month-end, and quarter-end closing entries to properly account for general ledger activities in the core banking platform and other third-party systems. Design and generate monthly internal month-end reports to assist with month-end close.
• Process daily corporate and member wires, both domestic and foreign.
• Provide support for internal auditors, external auditors and regulators as directed by the AVP of Finance and Accounting. Collect fieldwork data for audits and examination including but not limited to confirmation letters, audit questionnaires, pro forma data, and other audit schedules.
• Assist in conducting special projects. Develop, document, maintain, and improve processes and internal controls related to operational and financial accounting functions. Ensure process documentation and desktop procedures are accurate and updated timely.
• Maintain effective communication and coordination with Credit Union personnel and management.
• Other duties as assigned.

Knowledge, Skills, and abilities required:

• A four-year college or university degree in Accounting or Finance with two to four years related experience; or A two-year Associate degree in Accounting or Finance with four six years of related experience; or eight years or greater of equivalent work experience, preferably in a credit union or financial institution. At least two years of payroll processing experience. Knowledge of Generally Accepted Accounting Principles (GAAP) and/or banking (financial institution) experience preferred.
• Intermediate or advanced spreadsheet skills are required. Proficiency with accounting and payroll software programs. Strong personal computer skills including Microsoft Office.
• Professional written and verbal communication skills.
• Excellent collaborative skills and the ability to develop and maintain positive working relationships. Work involves extensive personal contact with others and is usually of a personal or sensitive nature.
• Knowledge and understanding of the mission and vision of the Credit Union. Strictly adhere to the Credit Union’s policy of confidentiality, security, professional conduct and dress.
• A high degree of organization and the ability to handle multiple projects and deadlines.

Salary Range: $21.81 – $27.27/hour
Summary:
Within established guidelines and procedures, perform work requiring the use of judgment and discretion in making credit decisions for members seeking a variety of loans. Responsible for reviewing loan applications, interviewing loan applicants and obtaining other documentation to determine credit worthiness of applicant and disposition of loan. Prepare appropriate documentation and related forms for submittal to the Lending Manager. Develop information and stipulations to process loan applications such as verification of income and credit reports. Employees assigned to this level will underwrite a variety of loans with considerable independence.

Essential Duties and Responsibilities:

1. Act as a resource for dealer and staff questions regarding the Credit Union’s loan programs.
2. Within established guidelines and procedures, perform work requiring the use of judgment and discretion in making credit decisions for consumer (direct/indirect) and real estate loans.
3. Review all applications to insure completeness and accuracy of information. Inform branch personnel, members and/or dealers of loan requirements and matters affecting the granting of loans.
4. Set stipulations for loan applications accordingly to achieve sound lending decision.
5. Inform management of the progress and performance of dealer partners.
6. Prepare monthly production reports and provide information to manager.
7. Provide recommendations, written or verbal, to the Lending Manager and/or the Credit Manager with regards to credit applications outside individual underwriting authority.
8. Assist branch personnel in facilitating the closing and disbursement of loans insuring that guidelines and stipulations are met.
9. Remain current on lending regulations and guidelines.
10. Complete reports as requested by management.
11. Maintain effective working relationship with staff.
12. Register with the Nationwide Mortgage Licensing System and Registry (NMLS). Will be required to undergo a background check. Registration with the NMLS to be maintained on an annual basis.
13. All other duties assigned.

Position Requirements and Qualifications:

1. High school diploma or equivalent.
2. Minimum of two years of underwriting experience or having the equivalent experience by completing all of the following:
   • Three years of loan interviewing experience.
   • Two years of loan processing experience with consumer loans.
   • Minimum of six months of hands on underwriting experience.
   • Completion of an industry recognized loan underwriting course, minimum of 20 hours.
3. Strong organization, communication (written and verbal) and analytical skills with the ability to explain underwriting requirements in a clear and concise manner.
4. Strong knowledge of laws, regulations, policies and procedures as they pertain to lending.
5. Proficiency with ten key adding machine, calculator and Microsoft Office products.
6. Working knowledge of computers and ability to learn new systems.
7. Knowledge and understanding of the mission and vision of the Credit Union. Strictly adhere to the Credit Union’s policy of confidentiality, security, professional conduct and dress.
8. Excellent collaborative skills and the ability to develop and maintain positive working relationships are essential.

Salary Range: $17.85 – $22.88/hour
Summary:
Provide quality service when communicating with members. Under general supervision, gather and process necessary loan documents for direct and indirect consumer loans and obtain a loan decision. Review loan file for accuracy and correspond with the members on the status of the loan. Prepare loan package for disbursement of loan proceeds. Ensure applicant information is current in all applicable computer systems. Meet disclosure timelines and loan conditions according to policies and regulations.

Essential Duties and Responsibilities:

1. Prepare loan applications received through various delivery channels including but not limited to the internet, call center, and lending portal for underwriting.
2. Process the documents received for each loan file verifying the accuracy and completeness of each document. Update data within the core system or lending operating system upon receipt of
3. Open new membership accounts, promote and cross-sell Credit Union products and services, and respond to member inquiries.
4. Notify member of loan decision. Ensure that applicants receive all necessary notifications according to the respective regulations. (i.e., adverse action letter, pre-approval notice, etc.).
5. Request necessary documents to complete loan package for funding.
6. Complete and ensure all documents contain current and accurate applicant and loan
7. Schedule delivery of loan documents in accordance with the member’s request (i.e., in branch signing or the Credit Union’s electronic delivery system.
8. Fund loan packages within the applicable time requirements according to loan instructions and stipulations.
9. Prepare and submit automatic and ACH payment requests.
10. Keep and ensure compliance with Truth in Lending (RegZ), RESPA, ECOA (RegB), Bank Secrecy Act, Customer Identification Program (CIP) and other Federal and State lending laws and regulations.
11. Assist loan servicing as needed.
12. Assist with processing the indirect loan applications.
13. Maintain and balance operator drawer daily.
14. Register with the Nationwide Mortgage Licensing System and Registry (NMLS) and State of California Department of Will be required to undergo a background check. Registration with the NMLS to be maintained on an annual basis.
15. Perform other duties as assigned.

Position Requirements and Qualifications:

1. High school diploma or equivalent.
2. Minimum of one year of experience in a branch platform experience (new accounts) with six months of loan processing experience.
3. May be required to work after normal business hours and on weekends.
4. General knowledge of Federal and State regulations as they pertain to lending is a plus.
5. Professional written and verbal communication skills including telephone etiquette.
6. Excellent collaborative skills and the ability to develop and maintain positive working relationships are essential.
7. Attention to detail is essential.
8. Proficiency with operating general office equipment (including copier, fax machine, scanner), as well as proficiency with Microsoft Office products (e.g., Word, Excel, etc.).
9. Working knowledge of computers and ability to learn new systems.
10. Knowledge and understanding of the mission and vision of the Credit Strictly adhere to the Credit Union’s policy of confidentiality, security, professional conduct and dress.

Salary Range: $22.64 – $28.30/hour

Summary:
The Operations Supervisor assists the Branch Manager with all daily functions of the branch including training, coaching and monitoring staff to meet all assigned individual goals and objectives. Provide oversight and approval within assigned limits to staff. Communicate and review all procedures with processing staff ensuring all regulatory and compliance aspects are met. Conduct audits; including cash, branch procedures and process completed by branch staff. Assist the Branch Manager with interviewing, hiring and disciplinary action steps.

Essential Duties and Responsibilities:

1. Maintain and balance a cash drawer daily.
2. Process all teller transactions including deposits, share withdrawals, transfers, loan payment, payoffs, VISA cash advances, and process and post mail daily.
3. Provide approvals and overrides to member facing staff within limits.
4. Perform daily, weekly, monthly, and quarterly audits as outlined.
5. Respond and resolve members’ requests, problems, and complaints.
6. Provide information regarding Credit Union services and policies.
7. Promote and cross-sell Credit Union products and services.
8. Support staff as a back up to the new accounts processes, services, and maintenance.
9. Ensure compliance with all rules, regulations and processes pertaining to BSA and CIP programs.
10. Development and coaching of staff. Make recommendations to branch manager related to action items needed.
11. Oversee all functions of the branch in the absence of the branch manager.
12. Participate in branch Make suggestions for individual and branch improvement.
13. Other duties as may be assigned.

Position Requirements and Qualifications:

1. High school diploma or equivalent.
2. Minimum of two years of financial industry experience.
3. Minimum of one-year of new accounts and supervisory experience.
4. Staff development experience e. coaching, training, tracking and monitoring.
5. Knowledge of consumer lending practices and processes preferred.
6. Must be eligible to become an individual endorsee under the business entity license of Wheelhouse Credit Union held with the California Department of Insurance. Will be required to complete an individual application for insurance and an affidavit of training and knowledge.
7. Experience with interviewing, counseling, writing reviews, recommendations for promotion and/or termination.
8. Proficiency with 10 key adding machine, on-line computer system, and typewriter (minimum typing speed of 40 w.p.m.).
9. Excellent collaborative skills and the ability to develop and maintain positive working relationships are essential.
10. Knowledge and understanding of the mission and vision of the Credit Strictly adhere to the Credit Union’s policy of confidentiality, security, professional conduct and dress.

Salary Range: $36.00 – $39.00/hour

Wheelhouse Credit Union:
Wheelhouse Credit Union was founded in 1934 to serve the City of San Diego employees as San Diego Municipal Employees Credit Union. Now 90 years later, we continue to be an integral part of the San Diego ecosystem, positively impacting the lives of our members, employees, community, and planet. We are San Diego Made, and proud. Our brand reflects our relaxed, approachable, and inclusive culture. We are a full-service, not-for-profit, financial institution with a steadfast commitment to eco-friendly initiatives.

Job Summary:
The Senior Accountant provides broad-based accounting assignments requiring advanced knowledge of accounting theory and in compliance with general accepted accounting principles (GAAP). Main responsibilities include general ledger and bank account reconciliations, month-end close, financial statement preparation, and regulatory tax reporting. This person will ensure complete, accurate, and timely completion of financial records for the Credit Union.

Ideal Personality:
The ideal candidate will be a self-starter who takes initiative, is analytical, is not afraid to ‘roll up their sleeves’, and operates with a sense of urgency. This individual will be trustworthy, detail-oriented, resourceful, and consistently curious, with a passion for learning and improving processes. A natural leader and proactive communicator, they thrive in a fast-paced and collaborative environment, adept at juggling multiple tasks with a positive attitude.

Job Responsibilities:

• Complete general ledger and/or bank account reconciliations and ensure the accurate and timely resolution of reconciling items. Research and correct discrepancies.
• Prepare periodic, month-end, and quarter-end closing entries to properly account for general ledger activities in the accounting system, core banking platform and other third-party systems.
• Prepare financial statements, management reports, and NCUA 5300 Call reports. Review and analyze fluctuations and variances in balance sheet and income statement accounts. Streamline and improve the data collection and reporting process.
• Assist in the Current Expected Credit Losses (CECL) monthly analysis including updating and validating data and preparing associated reports. Work with the Financial Manager to ensure analysis in compliance with GAAP and regulatory requirements.
• Assist in certifying general ledger and bank account reconciliations prepared by Accountants and Lead Accountant.
• Participate in review and certification of employee payroll processing prior to and post submission.
• Prepare and coordinate the preparation of Credit Union federal, state income and property tax returns, which include the 990 and 990T. Ensures the timely payment of all taxes.
• Provide support for internal auditors, external auditors and regulators as directed by the AVP, Finance & Accounting. Collect fieldwork data for audits and exams including but not limited to confirmation letters, audit questionnaires, pro forma data and other audit schedules.
• Assist the AVP, Finance & Accounting in developing, documenting, maintaining, and improving processes and internal controls related to operational and financial accounting functions. Ensure process documentation and desktop procedures are accurate and are updated timely.
• Act as a super-user for accounting systems, develop reports to assist management and lead integration of systems as planned.
• Maintain effective communication and coordination with all Credit Union employees.

Job Requirements:

• Bachelor’s degree from an accredited college or university with a concentration in accounting, finance or extensive experience in advanced financial accounting and reporting
• Minimum of five years performing the accounting function for a financial institution is preferred
• Proficiency with Microsoft Office Products
• Advanced Excel skills required
• Demonstrate a thorough understanding of the Credit Union’s mission and vision, ensuring alignment with its values and objectives. Maintain strict adherence to confidentiality, security protocols, and professional standards of conduct and attire at
  all times.

Why Work at Wheelhouse Credit Union?
Wheelhouse Credit Union is a laid-back, San Diego made company that offers a supportive work environment focused on personal and professional growth. With a commitment to diversity and a positive workplace culture, Wheelhouse provides employees with the opportunity to thrive in a friendly and collaborative setting. The compensation range for this position is $36 – $39 per hour. The offer will ultimately be determined by the candidate’s experience, knowledge and skills.

Wheelhouse Credit Union offers a comprehensive benefits and compensation package, including:

• Medical, Dental and Vision insurance
• Generous Vacation and Sick Leave
• 12 Paid Holidays + Floating/Birthday Day Off
• 401(k) with Company Match
• Tuition Reimbursement
• Disability, AD&D and Life Insurance
• Corporate Citizenship/Volunteering Program
• Wellness Program
• Discounted Fitness and Credit Union Services
• Flexible Spending Account (FSA)
• Employee Assistance Program (EAP)

Salary Range: $19.40 – $24.26/hour

Summary:

The position of Universal Service Representative I is responsible for procuring business for the branch by maintaining member relationships and referring members to the appropriate products and services. This role opens new accounts, processes, and funds all consumer loans, and routinely performs teller and vault transactions. This position will act as a member advocate handling account updates and/or revisions, account fraud and error resolution. This position will also remain current on all laws, rules and regulations including the Bank Secrecy Act (BSA) and Customer Identification Program (CIP) programs and processes.

Essential Duties and Responsibilities:

1. Provide service and sales support to all assigned areas of the branch.
2. Maintain and balance a cash drawer daily. Receive and process deposits, withdrawals, transfers, cashier check requests, cash advances and loan payments.
3. Make decisions regarding the opening of new membership accounts and responds to requests for information pertaining to memberships, products, services, and consumer loans.
4. Promote Credit Union products and services.
5. Interview loan applicants and ensure accuracy of consumer loan applications as authorized and approved by underwriting and/or Credit Committee prior to funding and disbursing.
6. Participate in assuring quality control in regard to audits and certifications.
7. Process requests to increase scheduled loan payments and collection payments.
8. Complete and maintain monthly sales logs and reports.
9. Meet outlined goals and objectives established for cross-sell on new memberships & consumer loan funding. Adhere to outlined error ratios on funded loans and memberships.
10. Meet and maintain established ancillary goals i.e., GAP, MBP, and Debt Protection.
11. Provide staff support at other branch locations.
12. Ensure compliance with all processes pertaining to BSA, CIP, lending, and REG E programs.
13. Perform other duties assigned.

Position Requirements and Qualifications: 

1. High school diploma or equivalent plus one (1) or more years of related experience and/or training in a financial institution performing a full range of Teller, new account, and operations functions.
2. Requires strong sales, and service skills.
3. Minimum of six months of experience in consumer lending preferred.
4. Professional and effective oral, written, and interpersonal skills.
5. Ability to address problems and situations by utilizing procedures and other resources within the organization.
6. Proficiency with Microsoft Office products and on-line computer core processing system.
7. Must be eligible to become an individual endorsee under the business entity license of Wheelhouse Credit Union held with the California Department of Insurance. Will be required to complete an individual application for insurance and an affidavit of training and knowledge.
8. Excellent collaborative skills and the ability to develop and maintain positive working relationships are essential.
9. Effective time management skills.
10. Ability to work with minimal supervision while performing duties.
11. Knowledge and understanding of the mission and vision of the Credit Union. Strictly adhere to the Credit Union’s policy of confidentiality, security, professional conduct and dress.
12. Support Business Development at onsite events and/or Marketing efforts within the community.

Salary Range:$21.81 – $27.27/hour

Summary:

The position of Universal Service Representative II is responsible for supporting the Branch Manager and Assistant Branch Manager by ensuring operational and sales activities run efficiently for members and staff. The Universal Service Representative II procures business for the branch by maintaining member relationships and referring members to the appropriate products and services. This position is required to be proficient and skilled in the areas of new accounts, teller and vault transactions, and branch operations, and is expected to provide support and guidance to less experienced staff members. The Universal Service Representative II may be assigned supervisory responsibilities in the absence of management. This position will also remain current on all laws, rules and regulations including the Bank Secrecy Act (BSA) and Customer Identification Program (CIP) programs and processes.

Essential Duties and Responsibilities:

1. Perform lead duties including reviewing work for accuracy and completeness, assisting others in resolving problems, approving transactions within authority levels, training others in branch operations and sales, and opening and closing the branch.
2. Discuss options available to members for real estate inquiries. Take applications through our mortgage LOS, and act as liaison for members to ensure smooth transaction for all phases of loan process up to funding.
3. Assist in preparing and processing incoming and outgoing cash shipments, balancing teller differences, and balancing branch cash totals.
4. Register with the Nationwide Mortgage Licensing System and Registry (NMLS) and State of California Department of Insurance. Will be required to undergo a background check. Registration with the NMLS to be maintained on an annual basis.
5. Provide service and sales support to all assigned areas of the branch.
6. Maintain and balance cash drawer daily. Receive and process deposits, withdrawals, transfers, cashier check requests, cash advances and loan payments.
7. Make decisions regarding the opening of new membership accounts and respond to requests for information pertaining to memberships, products, services, and consumer loans.
8. Promote Credit Union products and services.
9. Interview loan applicants and ensure accuracy of consumer loan applications as authorized and approved by underwriting and/or Credit Committee prior to funding and disbursing.
10. Participate in assuring quality control regarding audits and certifications.
11. Process requests to increase scheduled loan payments and collection payments.
12. Complete and maintain monthly sales logs and reports.
13. Meet outlined goals and objectives established for cross-sell on new memberships and consumer loan funding. Adhere to outlined error ratios on funded loans and memberships.
14. Meet and maintain established ancillary goals i.e., GAP, MBP, and Debt Protection.
15. Provide staff support at other branch locations.
16. Ensure compliance with all processes pertaining to BSA, CIP, lending, and REG E programs.
17. Perform other duties assigned.

Position Requirements and Qualifications: 

1. High school diploma or equivalent plus a minimum of three of related experience and/or training in a financial institution performing a full range of teller, new account, loan, and operations functions.
2. Requires demonstrated leadership skills and the ability to train, support and motivate peers.
3. Preferred knowledge of mortgage lending practices and policies.
4. Requires strong sales and service skills.
5. Professional and effective oral, written, and interpersonal skills.
6. Ability to address problems and situations by utilizing procedures and other resources within the organization.
7. Proficiency with Microsoft Office products and on-line computer core processing system.
8. Excellent collaborative skills and the ability to develop and maintain positive working relationships are essential.
9. Effective time management skills.
10. Ability to work with minimal supervision while performing duties.
11. Support Business Development at onsite events and/or Marketing efforts within the community.
12. Knowledge and understanding of the mission and vision of the Credit Union. Strictly adhere to the Credit Union’s policy of confidentiality, security, professional conduct and dress.