Careers at Wheelhouse

The Lending Supervisor will have the following job responsibilities:

1. Supervise and ensure on-going training of the loan staff.  Work with manager to conduct performance reviews, recommend salary adjustments, and counsel staff toward optimum performance.
2. Review billing invoices to assist manager with operating within adopted budget.
3. Assume the responsibilities of the manager during his/her absence.
4. Act as the Credit Union’s primary source for member and staff questions regarding lending.
5. Act as backup loan officer within Loan Officer lending limits.
6. Develop, recommend and implement procedures for existing and new loan programs and services.
7. Effectively communicate and train all staff on new programs, policies and procedures.
8. Ensure the lending policies and procedures, services and products and documentation meet federal and state regulations.
9. Create and produce reports as requested by management.
10. Assist manager in preparing yearly department budget.
11. Responsible for reporting to all regulatory agencies (i.e., HMDA, FHLB, etc.).
12. Responsible for the review and possible resolution of problems occurring on loans.
13. Oversee research of loan issues, reconciling of general ledgers and loan servicing.
14. 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.
15. Other duties as may be assigned.

The requirements for the Lending Supervisor position include:

1. Associate’s degree from an accredited college or university plus two years of supervisory experience in a financial institution.  A high school diploma with minimum of three years equivalent work experience in a financial institution will be considered in lieu of secondary education experience.
2. Three to five years of loan underwriting experience.
3. Excellent collaborative skills and the ability to develop and maintain positive working relationships are essential.
4. Strong knowledge of federal and state regulations as they pertain to real estate and consumer lending.
5. Strong knowledge of loan policies, procedures and credit granting practices.
6. Excellent written, verbal and analytical skills.
7. Must have strong organizational skills & ability to handle multiple tasks & deadlines.
8. Proficiency with 10-key, calculator, on-line data processing system and personal computers.
9. Strong working ability and understanding of Microsoft Office products.
10. Proficiency with Crystal Reports is a plus.
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.

The Loan Servicer will have the following job responsibilities:

1. Process payments and payoffs received in the Lending Department.
2. Fulfill demand and payoff request for consumer and real estate loans.
3. Monitor daily reports from the insurance vendor and process the necessary adjustments to the loans.
4. Complete orders for payment coupons received from branches and call center.
5. Submit collateral insurance information to CPI platform.
6. Provide back up support for Loan Servicer II for DMV and insurance claims.
7. Assist with posting Skip a Pay forms.
8. Research simple loan issues.  Post necessary adjustments and provide loan servicing assistance to members.
9. Assist with processing UCC-1 forms (Filing, Releasing and Continuations).
10. Maintain the retention of the real estate loan files in the vault.
11. 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.
12. Perform other duties as assigned

The requirements for the Loan Servicer position include:

1. High school diploma or equivalent.
2. One year of general office experience.
3. Professional written and verbal communication skills.
4. Insurance knowledge and loan processing experience is a plus.
5. Problem solving and ability to troubleshoot and research simple issues.
6. Excellent collaborative skills and the ability to develop and maintain positive working relationships are essential.
7. Proficiency with operating general office equipment (including copier, fax machines, scanner), as well as proficiency with Microsoft Office products (e.g., Word, Excel, etc.).
8. Must be able to represent the Credit Union and conduct business professionally.
9. 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.

The Loan Officer I will have the following job responsibilities:

1. Within established guidelines and procedures, perform work requiring the use of judgment and discretion in making credit decisions for members seeking loans.
2. 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.
3. Set stipulations for loan applications accordingly to achieve sound lending decision.
4. Provide recommendations, written or verbal, to Lending Manager and/or VP of Lending with regard to credit applications outside individual loan officer authority.
5. Assist branch personnel in facilitating the closing and disbursement of loans insuring that guidelines and stipulations are met.
6. Remain current on lending regulations and guideline as they pertain to consumer lending.
7. Prepare reports as requested by management.
8. Maintain effective working relationship with staff
9. 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.
10. All other duties assigned.

The requirements for the Loan Officer I position include:

1. High school diplomas or equivalent
2. Minimum of one year of consumer loan underwriting or two years of loan processing experience.
3. Strong analytical ability.
4. Ability to handle multiple tasks and duties simultaneously.
5. Considerable knowledge and understanding of regulations and laws as they pertain to lending.
6. Proficiency with 10-key, calculator, Microsoft Office, and loan calculations.
7. Excellent collaborative skills and the ability to develop and maintain positive working relationships are essential.
8. 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.

The Loan Representative will have the following job 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 documents.
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 information.
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 request.
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 Insurance.  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.

The requirements for the Loan Representative position include:

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 Union. Strictly adhere to the Credit Union’s policy of confidentiality, security, professional conduct and dress.

The Member Services Lead will have the following job responsibilities:

1. Assist in directing and delegating departmental workflow, ensuring all assigned duties are completed and/or processed in a timely manner. Maintain regular communication with Operations Supervisor, Assistant Manager or Branch Manager.
2. Perform a wide range of financial transactions including but not limited to, account inquires, deposits, withdrawals, transfers, disbursal of cash and other negotiables, etc. Maintain and balance a cash drawer in accordance with Credit Union guidelines. Perform vault related transactions.
3. Handle or provide guidance with difficult transactions in order to resolve member issues. Assist in training all new hires, e.g., Teller I and II. Sign official checks, approve negotiables and other transactions within assigned limits.
4. Provide input to Branch Manager/Assistant Manager/Operations Supervisor regarding teller performance related to member service, and disciplinary actions.
5. Assist members and employees with inquiries, complex transactions, and products to include retirement accounts, dormants, escheats, fiduciary accounts, and decedent account processing. Resolve member issues by utilizing appropriate resources.
6. Perform account servicing, maintenance and research to include ownership changes, legal processing, follow-up and correspondence.
7. Ensure member correspondence is professional and accurate. Maintain a clean, well-stocked and organized branch and work area.
8. Ensure compliance with all rules, regulations and processes pertaining to BSA and CIP programs.
9. Perform daily review of referrals submitted by tellers.
10. Other duties as may be assigned.

Position Requirements and Qualifications: 

1. High school diploma or equivalent.
2. Minimum of one year of experience in a financial institution with extensive knowledge and experience in teller operations and member/customer service.
3. Knowledge of the new account process including opening new accounts and new account review.
4. Minimum of six months to one year of supervisory experience.
5. Ability to handle people and/or situations with tact, diplomacy, and professionalism.
6. Proficiency with Microsoft Office Products, on-line computer system, and 10 key adding machines.
7. Professional written and verbal communication skills including excellent grammar and telephone etiquette.
8. Excellent collaborative skills and the ability to develop and maintain positive working relationships are essential.
9. 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.

The Member Services Representative will have the following job responsibilities:

1. Maintain and balance a cash drawer daily. Accept deposits, share withdrawals, transfers, loan payments, payoffs, and process and post mail daily.
2. Open new membership accounts, promote and cross-sell Credit Union products and services, and respond to requests for information pertaining to savings, share drafts, and loans.
3. Process all required teller functions including balancing, processing, reporting, and member service.
4. Meet monthly and quarterly outlined goals and objectives.
5. Remain current on lending products. Process credit card, line of credit and personal loans as requested. Forward all other loan leads to Senior Member Service Representative.
6. Provide member assistance with all account maintenance (i.e. account revisions, trusts, power of attorney, etc.)
7. Issue and encode ATM cards. Maintain proper dual control logs.
8. Prepare payroll deduction forms and net paycheck/ACH requests. Furnish accompanying data necessary to process forms.
9. Submit new member signature cards, update existing cards, and maintain outlined documentation.
10. Ensure compliance with all processes pertaining to BSA, CIP, REG E programs, and compliance.
11. Track and maintain all sales efforts as outlined in established sales plan.
12. Perform other duties as assigned.

Position Requirements and Qualifications: 

1. High school diploma or equivalent.
2. Minimum of two years of teller experience.
3. Six months of New Accounts experience preferred.
4. Preferred knowledge of consumer lending products, practices and policies.
5. Professional written and verbal communication skills including excellent grammar and telephone etiquette.
6. Ability to handle people and/or situations with tact, diplomacy, and professionalism.
7. Proficiency with Microsoft Office products, 10 key adding machine, and on-line computer core processing system.
8. Excellent collaborative skills and the ability to develop and maintain positive working relationships are essential.
9. 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.

The Senior Member Services Representative will have the following job 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 i.e. CBSI, GAP, MRC and Debt Protection.
11. 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.
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.
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. Professional written and verbal communication skills including excellent grammar and telephone etiquette.
6. Ability to handle people and/or situations with tact, diplomacy, and professionalism.
7. Proficiency with Microsoft Office products, 10 key adding machine and on-line computer core processing system.
8. Excellent collaborative skills and the ability to develop and maintain positive working relationships are essential.
9. 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
10. Support of Business Development at onsite events and/or Marketing efforts within the community.

The Phone Branch Representative II will have the following job responsibilities:

1. Promptly answer all incoming calls in a polite, professional manner while adhering to member identity verification procedures and ensuring member information security at all times. Determine caller’s nature of business and personally assist or when necessary, announce the caller and transfer to the appropriate individual or department.  Comply with Credit Union’s Internal Service Standards when communicating information to other branches/departments.
2. Provide a high level of quality member service using the Phone Branch Shopper Survey model as a guideline.  Answer each call with a “telephone smile.”  Maintain an average Shopper Score of 90% or better at all times.  Be professional, courteous, tactful and a good listener.
3. Strive to meet and exceed all Goals and Objectives set by the Phone Branch Manager.
4. Open accounts for existing members via phone and assist with online new account processing for applications submitted via our website. Act as a source of information for new and existing members who are seeking information about new accounts, modifications to existing accounts or membership qualification. Promote and cross-sell additional Credit Union products and services that fit our member’s needs.
5. Accept consumer loan applications via phone. Provide accurate information regarding loan products rates and payments to inquiring members/potential members. Conduct thorough interviews with members/potential members while completing loan applications via a web based application platform.  Cross-sell additional loan products and services that fit member needs. Keep up to date and knowledgeable on rates, lending guidelines, policies, procedures and internal marketing promotions.
6. Assist members with set up and navigation of Home Banking, Bill Payment and our mobile App.  Reset/unlock passwords, research and assist with trouble shooting member access issues and other digital banking related requests.
7. Process members’ account inquiries, transfers, loan payments, copy requests, fee reversals and check orders.  Research account discrepancies, errors and complaints; follow up to the point of resolution or direct to the applicable department for further assistance.
8. Respond to member secure and unsecure email requests submitted via our website.  Adhere to the E-Mail Response guidelines. Process online address changes, bill payment applications and additional service requests as received according to department standards.
9. Maintain full knowledge of Credit Union’s services and transaction procedures as required; performing service functions accurately and efficiently. Thoroughly read, understand and keep record of all promotional materials, Wheelhouse Weekly, SPI’s and any information provided to you in order to represent the Credit Union in a knowledgeable and professional manner.  Comply with all BSA and CIP programs along with the applicable laws, rules and regulations.
10. 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.
11. Other duties as may be assigned.

The requirements for the Phone Branch Representative II position include:

1. High School diploma or equivalent.
2. Must possess professional written and verbal communication skills, including excellent telephone and e-mail etiquette including listening skills.
3. Proficiency with on-line data processing system and Microsoft Office Products. General working knowledge of the internet including online banking/mobile banking is required.
4. Excellent interpersonal and collaborative skills and the ability to develop and maintain positive working relationships are essential.
5. Minimum one year of teller and new accounts experience required with demonstrated member service and sales skills. General knowledge of account functions i.e. (Checks, ACH, Debit/Credit cards etc.) is essential. Call center experience a plus.
6. One year of consumer lending experience required.  Credit Union or comparable financial industry experience preferred.
7. Must possess the ability to professionally represent the Credit Union and conduct business via the telephone with clear enunciation in English.  Bilingual English/Spanish speaking a plus.

The Teller II Floater will have the following job responsibilities:

1. Maintain and balance a cash drawer daily.
2. Accept deposits, share withdrawals, transfers, loan payment, payoffs, VISA cash advances, and process and post mail daily.
3. Process stop payments.
4. Provide members with information pertaining to account status, including current balances and loan pay-off amount.
5. Respond to members’ requests, problems, and complaints, and/or direct them to the proper person for specific information and assistance.
6. Provide general information regarding Credit Union services or policies, including eligibility for membership, types of accounts available, interest rates, office hours, and branch locations.
7. Promote and cross-sell Credit Union products and services.
8. Issue and encode ATM cards.
9. Prepare payroll deduction forms and net check/ACH requests.
10. Ensure compliance with all processes pertaining to BSA and CIP programs.
11. Meet established referral goals based on hours worked.
12. Availability to work and relocate as needed within multiple locations in any given day.
13. Other duties as may be assigned.

The requirements for the Teller II Floater position include:

1. High school diploma or equivalent.
2. Minimum of one year of teller experience.
3. Minimum of six-months of sales/referral experience.
4. Professional written and verbal communication skills including excellent grammar and telephone etiquette.
5. Ability to handle people and/or situations with tact, diplomacy, and professionalism.
6. Proficiency with Microsoft Office products, 10 key adding machine, on-line computer system, and typewriter (minimum typing speed of 40 w.p.m.).
7. Excellent collaborative skills and the ability to develop and maintain positive working relationships are essential.
8. 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.

The Teller II will have the following job responsibilities:

1. Maintain and balance a cash drawer daily.
2. Accept deposits, share withdrawals, transfers, loan payment, payoffs, VISA cash advances, and process and post mail daily.
3. Process stop payments.
4. Provide members with information pertaining to account status, including current balances and loan pay-off amount.
5. Respond to members’ requests, problems, and complaints, and/or direct them to the proper person for specific information and assistance.
6. Provide general information regarding Credit Union services or policies, including eligibility for membership, types of accounts available, interest rates, office hours, and branch locations.
7. Promote and cross-sell Credit Union products and services.
8. Issue and encode ATM cards.
9. Prepare payroll deduction forms and net check/ACH requests.
10. Ensure compliance with all processes pertaining to BSA and CIP programs.
11. Meet established referral goals based on hours worked.
12. Other duties as may be assigned.

The requirements for the Teller II position include:

1. High school diploma or equivalent.
2. Minimum of one year of teller experience.
3. Minimum of six-months of sales/referral experience.
4. Professional written and verbal communication skills including excellent grammar and telephone etiquette.
5. Ability to handle people and/or situations with tact, diplomacy, and professionalism.
6. Proficiency with Microsoft Office products, 10 key adding machine, on-line computer system, and typewriter (minimum typing speed of 40 w.p.m.).
7. Excellent collaborative skills and the ability to develop and maintain positive working relationships are essential.
8. 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.

The Teller II will have the following job responsibilities:

1. Maintain and balance a cash drawer daily.
2. Accept deposits, share withdrawals, transfers, loan payment, payoffs, VISA cash advances, and process and post mail daily.
3. Process stop payments.
4. Provide members with information pertaining to account status, including current balances and loan pay-off amount.
5. Respond to members’ requests, problems, and complaints, and/or direct them to the proper person for specific information and assistance.
6. Provide general information regarding Credit Union services or policies, including eligibility for membership, types of accounts available, interest rates, office hours, and branch locations.
7. Promote and cross-sell Credit Union products and services.
8. Issue and encode ATM cards.
9. Prepare payroll deduction forms and net check/ACH requests.
10. Ensure compliance with all processes pertaining to BSA and CIP programs.
11. Meet established referral goals based on hours worked.
12. Availability to work and relocate as needed within multiple locations in any given day.
13. Other duties as may be assigned.

The requirements for the Teller II Floater position include:

1. High school diploma or equivalent.
2. Minimum of one year of teller experience.
3. Minimum of six-months of sales/referral experience.
4. Professional written and verbal communication skills including excellent grammar and telephone etiquette.
5. Ability to handle people and/or situations with tact, diplomacy, and professionalism.
6. Proficiency with Microsoft Office products, 10 key adding machine, on-line computer system, and typewriter (minimum typing speed of 40 w.p.m.).
7. Excellent collaborative skills and the ability to develop and maintain positive working relationships are essential.
8. 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.

The Risk and Compliance Manager will have the following job responsibilities:

1. Manage and ensure the on-going training of assigned staff. Conduct performance reviews, recommend salary adjustments, and counsel staff toward optimum performance
2. Oversee compliance with Bank Secrecy Act, Office of Foreign Assets Control, and other associated regulations.
3. Oversee the development, implementation and maintenance of compliance programs that result in mitigating risk. Manage the process of updating Credit Union disclosures, policies, procedures and forms to ensure regulatory compliance. Perform semi-annual website review and other e-commerce related reviews. Consult with Credit Union departments in addressing risk issues, concerns and planning regarding new and/or existing products, procedures, processes and operations.
4. Coordinate risk assessments with various business units. Document the risks, identify appropriate metrics and documents current and planned mitigation.
5. Oversee the compliance review for consumer loans and new member accounts.
6. Monitor and address fraudulent activity involving the Credit Union. Oversee staff on check, debit and ATM cards, consumer loan, and real estate loan fraud prevention programs, fraud claim processing, case filings, insurance claims, and restitutions.
7. Work with the Internal Auditor on State and Federal exams and internal audits. Work closely with legal consultants, the Internal Auditor, and examiners in the development of appropriate controls to avoid issues.
8. Represent the Credit Union and participate in professional networks to stay current with compliance, operational, risk, fraud, regulatory updates and security issues. Report necessary updates to management.
9. Effectively oversee compliance management systems and understand the requirements of each law and regulation to ensure the Credit Union is in compliance.
10. Review contracts, agreements, marketing & disclosures to ensure compliance with regulation.
11. Collaborate with management to maintain an ongoing legal risk education through learning programs, seminars and presentations, and the Credit Union’s risk tolerance guidelines.
12. Serve as subject matter expert to line of business and provide risk expertise to business operations, projects, and or other initiatives.
13. In collaboration with Learning and Development, oversee the development of staff training related to fraud, loss prevention and regulatory compliance.
14. Develop and maintains fraud control and monitoring procedures for debit and ATM cards in accordance with industry and insurance requirements.
15. Interface with service providers and monitor vendor relationships.
16. Assist with development of Credit Union forms.
17. Other duties as may be assigned.

The requirements for the Risk and Compliance Manager position include:

1. Bachelor’s degree in business and two years of compliance experience is required. In lieu of the post-secondary education, a minimum of five years of compliance experience will be considered.
2. Knowledge of legal terminology, research methods and techniques, and state agency procedures required. Financial institution or credit union preferred.
3. Excellent analytical skills and the ability to interpret laws and regulations to provide workable recommendations and solutions.
4. Strong supervision, project management, and organizational skills.
5. Profession written and verbal communication skills.
6. Proficiency with Microsoft Office products.
7. Industry compliance certification (CUCE, BSACS) with two year required renewal.
8. Excellent collaborative skills and the ability to develop and maintain positive working relationships are essential.
9. Proficiency with compliance systems such as Verafin – Anti-Money Laundering software and Policy Works.
10. 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.