Careers at Wheelhouse

Salary Range: $138,000 – $184,500/year

Job Summary:

The CFO is a key leader in shaping the strategic direction of the Credit Union. This person will report directly to the CEO and be a member of the leadership team. This person will oversee the financial operations of the Credit Union, including the management of the Accounting and Finance teams. The CFO ensures that all accounting systems, practices, controls, and procedures are in compliance with accepted financial principles and adhere to federal and state regulations.

Ideal Personality:
The ideal candidate is a strategic, analytical, results-driven executive who takes initiative and leads with confidence. They possess a high level of integrity, keen attention to detail, and the ability to navigate complex financial landscapes with agility. A forward-thinking problem solver, they are continuously seeking opportunities to enhance processes and drive operational efficiency. With exceptional leadership and communication skills, they excel in high-pressure environments, balancing multiple priorities while fostering collaboration across teams.

Job Responsibilities:

1. Lead the Accounting and Finance teams in maintaining accurate records and implementing robust internal controls to safeguard the Credit Union’s assets.
2. Oversee the Finance and Accounting teams, providing leadership, mentorship and performance management. Conduct performance reviews, recommend compensation adjustments, and foster a culture of continuous learning and professional growth to ensure optimal team performance.
3. Extensive involvement in developing the organization’s strategic and business plans. Utilize forward looking models and activity-based analyses to provide financial insight into the Credit Union’s plans and operating budget. Provide data-driven recommendations that align with the Credit Union’s plans for short-term and long-term growth.
4. Serve as a member of the Credit Union’s Asset Liability Committee (ALCO), Salary Committee, Fair Lending Committee, Enterprise Risk and as a trustee of the 401(k) Plan.
5. Responsible for the Credit Union’s annual budget. Prepare and present monthly financial budgeting reports including monthly profit and loss by division, forecast vs. budget by division and weekly cash flow by division.
6. Create and establish yearly financial objectives that align with the Credit Union’s plan for growth and expansion.
7. Responsible for the oversight of net worth and analysis of forecasts.
8. Perform financial analysis of the Credit Union’s operations to ascertain financial performance, liquidity position, cash flow, budget performance, cost control and similar financial activities.
9. Regularly analyze policies and procedures, recommend necessary changes to the CEO, and develop new policies and procedures that result in a more efficient operation.
10. SAct as the Credit Union’s chief liaison with investment houses, or other financial institutions, and appropriate government agencies concerning investments and securities. Explore new investment opportunities and provide recommendations on potential returns and risks.
11. Supervise creation of reports, software implementation and tools for budgeting and forecasting.
12. Oversee the preparation and communication of weekly, monthly, and annual financial statements.
13. Responsible for preparing and ensuring the accuracy of all financial and statistical reports included in the monthly Board of Directors agenda.
14. Responsible for compliance with laws and regulations applicable to the incumbent’s area of management and supervision.
15. Coordinate audit activities with the Internal Auditor, examiners, external auditors, and Supervisory Committee.

Job Requirements

1. Bachelor’s degree in Finance or Accounting required
2. Minimum of five years of progressively responsible experience in financial institution accounting and financial management, including supervisory and leadership roles, preferably within the credit union industry
3. Previous management and supervisory experience
4. Master of Business Administration (MBA) a plus
5. Certified Public Accountant (CPA) strongly preferred
6. Highly proficient with Microsoft Office Products including Excel and database programs
7. Significant experience working with budgets, forecasting, analysis, asset/liability management, and investments in the financial services industry
8. 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 $138,000 – $184,500, plus a bonus potential. 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: $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: $31.37 – $39.22/hour

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
• Prepare financial statements, management reports, and NCUA 5300 Call reports. Review and analyze fluctuations and variances in balance sheet and income statement 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 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
• 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 & 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
• 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

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.

Salary Range:$20.09 – $25.12/hour

Summary:
The Senior Member Service Representative is responsible for efficiently handling all savings functions, interviewing loan applicants, and disbursing loans in a friendly and professional manner. This position will also remain current on all laws, rules and regulations including Bank Secrecy Act (BSA) and Customer Identification Program (CIP) programs and processes.

Essential Duties and Responsibilities:

1. Open new membership accounts, promote and cross-sell Credit Union products and services, and respond to requests for information pertaining to membership, products/services and loans.
2. Interview loan applicants providing information on current policies and procedure and verify that loan application is completed accurately.
3. Disburse loans as authorized and approved by underwriting and/or Credit Committee.
4. Discuss options available to members for real estate inquiries. Take applications through our mortgage LOS, act as liaison for members to ensure smooth transaction for all phases of loan process up to funding.
5. Maintain accurate dual control logs of applicable negotiable items sold to members.
6. Accept deposits, withdrawals, transfers and loan payments.
7. Handle requests to increase scheduled loan payments.
8. Complete and maintain monthly sales logs and reports.
9. Meet outlined goals and objectives established for cross-sell on new memberships & loan funding. Adhere to outlined error ratios on funded loans and memberships.
10. Meet and maintain established ancillary goals e. CBSI, GAP, MRC and Debt Protection.
11. Ensure compliance with all processes pertaining to BSA, CIP, lending, and REG E programs.
12. Perform other duties assigned.

Position Requirements and Qualifications:

1. High school diploma or equivalent.
2. Minimum of two years’ experience in a financial institution with a minimum of one year of new accounts experience.
3. Minimum of one year of experience in consumer lending.
4. Preferred knowledge of mortgage lending practices and policies.
5. 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.
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. Professional written and verbal communication skills including excellent grammar and telephone etiquette.
8. Ability to handle people and/or situations with tact, diplomacy, and professionalism.
9. Proficiency with Microsoft Office products, 10 key adding machine and on-line computer core processing system.
10. Excellent collaborative skills and the ability to develop and maintain positive working relationships are essential.
11. 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.
12. Support of Business Development at onsite events and/or Marketing efforts within the community.