Careers at Wheelhouse

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 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 Member Service Representative will have the following job responsibilities:

1. Maintain and balance a cash drawer daily.  Accept deposits, share withdrawals, transfers, loan payment, 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. Forward completed loan application and work-up sheet to the Lending Department or Loan Officer for approval.
4. Issue and encode ATM cards. Maintain proper dual control logs.
5. Prepare payroll deduction forms and net paycheck/ACH requests.  Furnish accompanying data necessary to process forms.
6. Process MOR loan advances and VISA cash advances.
7. Submit new member signature cards and maintain existing files.
8. Ensure compliance with all processes pertaining to BSA, CIP, REG E programs, and compliance.
9. Track and maintain all sales efforts as outlined in established sales plan.
10. Perform other duties as assigned.

The requirements for the Member Service Representative position include:

1. High school diploma or equivalent.
2. Minimum of one year of teller experience.
3. Minimum of six months to one year of New Account experience. Preferred knowledge of Consumer lending practices and policies.
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.
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 Facilities Maintenance Technician will have the following job responsibilities:

1. Prepare and process all incoming and outgoing mail. Open, sort and distribute all incoming mail. Deliver mail to various locations including the Credit Union’s branches and departments, as well as to delivery services, i.e., United States Postal Service, UPS, and FedEx.
2. Assist in coordinating building related projects. Arrange and coordinate service calls for building related repairs.
3. Relocate equipment and furniture as needed.
4. Perform routine janitorial related services upon request.
5. Perform basic carpentry and preventative maintenance.
6. Respond to incoming email and voicemail messages in a timely manner.
7. Within established timeframes, complete research as needed/requested from various departments.
8. Assist with online supply ordering. Maintain inventory of Credit Union supplies including breakroom supplies, toners, lights, paper, etc.
9. Maintain work environment in a neat and orderly manner.
10. Perform other duties as assigned.

The requirements for the Facilities Maintenance Technician position include:

1. High School diploma or equivalent.
2. Minimum of one year of general office experience.
3. Ability to use good judgement in regards to personal safety and the safety of others.
4. Previous experience in painting, plumbing and carpentry.
5. Professional verbal and written communication skills.
6. Excellent collaborative skills and the ability to develop and maintain positive working relationships are essential.
7. Proficiency with Microsoft Office products.
8. Valid driver’s license, automobile insurance and good driving record.
9. Ability to handle information in a confidential manner.
10. Ability to lift and carry 25 pounds.
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 Helpdesk Technician will have the following job responsibilities:

1. Provide computer system and application help-desk support by assisting end-users with software/hardware problems and inquiries.  Resolution for problems are tested to ensure problems have been adequately resolved.
2. Under general supervision, provide diagnosis of minor to complex problems of equipment or application failure.
3. Provide core processor support for daily, weekly, and monthly processing routines on a rotating schedule.
4. Install, configure, test, maintains and monitor, end-user hardware/software, peripheral devices, printing/scanning devices, presentation equipment, and other products.  Document all actions/activities performed.
5. Monitor, maintain and report system performance on the Credit Union’s core system to the Network Manager as needed.
6. Make recommendations to supervisor in setting Credit Union personal computer standards.
7. Maintain Credit Union personal computer (PC) and peripheral device inventory.
8. Prioritize and escalate problems to the appropriate person(s) when necessary.
9. Establish new users, deactivate users, and assign employees to security levels on all network and software systems according to established guidelines/procedures.  Maintain log of user and security level assignments.
10. Set up and configures new personal computers and reconfigures existing PCs according to standards.
11. Assist the IT Department to accurately maintain business continuity and disaster recovery plans and other documentation, network diagrams, application flow charts, and risk assessments.
12. Prepare various types of correspondence, complete/create required reports/records accurately and promptly, and perform other administrative duties as necessary.
13. Keep supervisor informed of area activities and any significant problems or concerns.
14. Assist area personnel and other departments/branches as needed in compliance with IT Department Personnel Quality Service Standards.
15. Develop and maintain effective working relations with coworkers, vendors, trade professionals, and other business contacts.
16. Keep work area clean, secure, and well maintained.
17. Stay abreast of technology trends and changes and remain compliant with all programs, policies, procedures, and regulations.
18. Maintain confidentiality of Credit Union/member/employee information in accordance with policies.
19. Complete special projects and other duties as assigned.
20. Maintain regular work attendance.
21. Provide after-hours and weekend on-call support and batch processing for Credit Union systems on a rotating basis.

The requirements for the Helpdesk Technician position include:

1. High school diploma or equivalent.
2. Understanding of PC hardware and operating systems software.
3. Understanding of application software and methods to adapt software to users’ needs (including but not limited to Microsoft and other desktop applications).
4. Microsoft Certified Professional, A+ certification, or demonstrable skills in Operation/PC support.
5. Excellent collaborative skills and the ability to develop and maintain positive working relationships are essential.
6. May be required to work evenings or weekends.
7. The ability to lift and carry equipment up to 50 pounds in weight.
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 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 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 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.