Careers at Wheelhouse

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At Wheelhouse Credit Union we demonstrate our philosophy of People Helping People by providing our members with products and services that help them achieve their financial goals. If you’re looking for a career where you can learn, grow, and have fun while helping others, we may have a position for you!

Enjoy the Benefits of Working for Wheelhouse Credit Union

Wheelhouse Credit Union employees are our most important asset! We have designed a generous benefits package that allows flexibility, options, and opportunity.

Healthcare

Regular full or part-time employees working at least 30 hours per week are offered medical, dental, and vision insurance. The Credit Union contributes to the employee’s coverage and coverage for qualified dependents and/or registered domestic partners is available for purchase. Wheelhouse Credit Union also offers a Flexible Spending Account for Healthcare Reimbursement and/or Dependent Day Care.

401(k) Plan

The 401(k) retirement plan is funded by a combination of Credit Union and employee contributions. After the completion of 90 days of continuous service, employees are eligible to become a member in the 401(k) plan and the Credit Union will begin making discretionary contributions equal to 3% of the employee’s salary.

Paid Time Off

Wheelhouse Credit Union observes 12 paid holidays for all regular full and part-time employees. In addition, all regular employees receive a floating holiday in recognition of their birthday. The Credit Union recognizes the importance of taking time off from work to relax, spend time with family, and enjoy leisure activities therefore, the Credit Union provides paid vacation time to both full-time and part-time employees for this purpose. In addition, regular full and part-time employees are awarded 40 hours of sick leave at the beginning of each year. Employees hired after January 1, are awarded 40 hours of sick time on their employment date. This time can be utilized for the employee’s own medical care and for the medical care of their immediate family member.

Tuition Reimbursement

Available to all full and part time employees after 6 months of continuous service.

Corporate Citizenship

Regular full and part time employees that have completed 90 days of service are paid regular wages for time spent volunteering with an approved San Diego organization.

Wellness Program

Healthy living education and encouragement for staff, including complimentary flu shots and cholesterol screenings.

Discounted Credit Union services

Free checking and savings accounts, and a 1% rate reduction on selected loan products.

Insurance Coverage

All regular employees working at least 30 hours per week are provided with company-paid Long-Term Disability, Life Insurance, and Accidental Death and Dismemberment insurance.

Friendly Work Culture

Enjoy a supportive and positive work environment, with a focus on professionalism and creativity.

Committed to Diversity

We’re committed to a culture of diversity that reflects the communities in which we live and do business.

Available Positions at Wheelhouse Credit Union

Salary Range: $64,480.00 – $72,107.00/yr

Summary:
The Loan Servicing Supervisor is responsible for leading the Loan Servicing Team and monitoring progress and quality of work in the department. Responsible for the interviewing and hiring, counseling, performance evaluation, coaching and training, motivation and discipline of assigned employees. Performs quality checks and resolves issues as well as contributes to the development of processes and written procedures. Assumes the responsibilities of the manager in his/her absence.

Essential Duties and Responsibilities:

  1. Supervise and ensure on-going training of the Loan Servicing Team. Conduct performance reviews, recommend salary adjustments, and coach and develop Team members to achieve optimal performance.
  2. Act as the Credit Union’s primary source for member and staff questions regarding Loan Servicing.
  3. Assume the responsibilities of the manager during his/her absence.
  4. Ensure that each Real Estate loan is properly prepared, documented and approved in accordance with Credit Union policy, and is disbursed properly and promptly to the member.
  5. Responsible for quality checks and standard quality control protocols.
  6. Responsible for Collateral Insurance tracking, annual tax bills, insurance payments and escrow analysis.
  7. Responsible for lien perfection including UCC-1 Fixture Filing and CA DMV lienholder status.
  8. Administration of Debt Protection, GAP and MBI ancillary products including registration of employees with CA Department of Insurance.
  9. Responsible for reporting to all regulatory agencies (i.e., HMDA, FHLB, etc.).
  10. Responsible for the research, review and resolution of any Loan Servicing related member service issues.
  11. Responsible for reconciliation of Loan Servicing related general ledgers.
  12. Assist Management and Risk to ensure the Loan Servicing policies, procedures, services, products and documentation meet federal and state regulations.
  13. Provide support, assistance, and backup processing for all loan servicing functions including, but not limited to: payments, payoffs, line advances, disbursement of loan funds, file maintenance requests, recording and satisfaction of loan documents and liens, loan collateral administration, scanning of documentation and record retention.
  14. Maintain and demonstrate proficiency with Loan Servicing core applications.
  15. Review billing invoices to assist manager with operating within approved budget.
  16. Assist manager in preparing annual department budget.
  17. Create and produce reports as requested by management.
  18. Other duties as may be assigned.

Position Requirements and Qualifications:

  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. Ability to communicate with management and staff to promote efficient and correct workflows, establish positive working relationships across the Credit Union.
  3. Strong knowledge of real estate and consumer loan servicing, loan policies, procedures and credit granting practices.
  4. Strong knowledge of federal and state regulations as they pertain to real estate and consumer lending.
  5. Underwriting experience is a plus.
  6. Excellent written, verbal and analytical skills.
  7. Must have strong organizational skills & ability to handle multiple tasks & deadlines.
  8. Strong working ability and understanding of Microsoft Office products.
  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. Excellent collaborative skills and the ability to develop and maintain positive working relationships are essential.
Apply

Salary: $22.64 – $28.30/hour

Summary

The Mortgage Specialist is primarily responsible for efficiently handling all mortgage related inquiries and applications. An annual minimum in mortgage originations is required in order to meet the production goals for this position. Additionally, they will have support roles in interviewing consumer 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 and Customer Information Programs and processes.

Essential Duties and Responsibilities:

  1. Effectively sell First Mortgage and all other real estate secured products and services to meet each member’s individual financial needs and goals.
  2. Originate Mortgage Loan applications using loan origination systems (LOS), and utilize sales tools to assist clients in choosing the right loan for their personal financial situation.
  3. Follow-up on all assigned Mortgage Loan leads and update the status in the LOS, within established timelines to ensure all service guarantees are met. Update LOS with all contact made with the members regarding their loan.
  4. Originate HELOC and 2nd Trust Deed loans applications using the LOS, when applicable. Coordinate the mortgage application process between the member and appropriate parties including the loan processing team to ensure an extraordinary service experience.
  5. Manage loan pipelines, including timely and proactive follow-up on leads, approved loans, meeting targeted closing ratio and other product cross sell ratios. Notate conversations logs as required by management.
  6. Interview loan applicants providing information on current policies and procedure and verify that loan application is completed accurately.
  7. Open new membership accounts, promote and cross-sell Credit Union products and services, and responds to requests for information pertaining to deposit accounts and loans.
  8. Disburse loans as authorized by Credit Committee.
  9. Complete and maintain monthly sales logs and reports.
  10. Cross-sell and refer investment and insurance products.
  11. Meet minimum loan production goals and all other goals as assigned.
  12. Adhere to Credit Union Policy and Procedures, complete annual compliance training.
  13. Ensure compliance with all processes pertaining to BSA, CIP and REG E programs.
  14. Perform other duties assigned.

Position Requirements and Qualifications:

  1. High school diploma or equivalent.
  2. Minimum of three years of experience in a financial institution with a minimum of one year of mortgage, consumer loan and new accounts experience.
  3. Preferred knowledge of mortgage 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. 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.
  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. Proficiency with Microsoft Office products, 10 key adding machine, on-line computer system, and typewriter.
  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 Union. Strictly adhere to the Credit Union’s policy of confidentiality, security, professional conduct and dress.
Apply

Salary Range: $22.64 – $28.30/hour

Summary:
Under general supervision, process loan servicing transactions, research complex loan issues, reconcile general ledgers, research potential products and provide loan servicing assistance to members. Act as a support to frontline staff for processing and servicing questions.

Essential Duties and Responsibilities:

  1. Perform all loan servicing duties as needed to include processing real estate updates, changes and modifications.
  2. Book mortgage loans and Home Equity Lines of Credit into the core system.
  3. Assist Lending Supervisor field staff questions in the absence of the Lending Manager.
  4. Balance and certify real estate general ledgers monthly.
  5. Process rate changes, demands and reconveyances for real estate Loans.
  6. Prepare subordinations packets for review by the Loan Officers.
  7. Assist the Loan Servicing Supervisor in Lending Manager’s absence.
  8. Analyze the real estate escrow impounds account annually and send new coupons to members.
  9. File claims Payment Protection, GAP and MRC.
  10. Research complex loan issues. Post necessary adjustments and provide loan-servicing assistance to members.
  11. Assist with research and implementation of innovative products and services to provide efficiency to the loan department.
  12. Compile information and generate reports as required.
  13. Update department resources to remain current with procedures relating to loan servicing.
  14. Train new employees.
  15. Perform other duties assigned.

Position Requirements and Qualifications: 

  1. High school diploma or equivalent.
  2. Minimum five years of real estate loan servicing experience.
  3. Knowledge of federal and state regulations as they pertain to loan servicing.
  4. Professional written and verbal communication skills.
  5. Strong problem solving and ability to trouble shoot and research moderate to complex issues.
  6. Knowledge in the areas of collections, DMV, insurance products and consumer loan processing is a plus.
  7. Excellent collaborative skills and the ability to develop and maintain positive working relationships are 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. 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.
Apply

$81,000 – $101,000/year

Position Purpose: 

Under the general guidance of the VP/CFO, the Risk Manager is responsible managing the daily operations of the department. Establish, implement and maintain the Credit Union’s enterprise risk management systems and compliance program. Interact and support Credit Union management in identifying, prioritizing, establishing tolerances, mitigating, measuring and documenting significant risks to the Credit Union. The Risk Manager will also responsible for communicating statutes and State and Federal regulations and how best to remain compliant within the legal functions of common and corporate law.

Essential Duties and 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.
  7. 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.
  8. 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.
  9. 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.
  10. Effectively oversee compliance management systems and understand the requirements of each law and regulation to ensure the Credit Union is in compliance.
  11. Review contracts, agreements, marketing & disclosures to ensure compliance with regulation.
  12. Collaborate with management to maintain an ongoing legal risk education through learning programs, seminars and presentations, and the Credit Union’s risk tolerance guidelines.
  13. Serve as subject matter expert to line of business and provide risk expertise to business operations, projects, and or other initiatives.
  14. In collaboration with Learning and Development, oversee the development of staff training related to fraud, loss prevention and regulatory compliance.
  15. Develop and maintains fraud control and monitoring procedures for debit and ATM cards in accordance with industry and insurance requirements.
    Interface with service providers and monitor vendor relationships.
  16. Assist with development of Credit Union forms.
    Other duties as may be assigned.

Knowledge, Skills, and abilities required: 

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

Salary: $28.92 – $36.15/hour

Position Purpose:  Following established policies and procedures and under minimal guidance of the Financial Manager, 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/bank account reconciliations, month-end close, financial statement preparation, and regulatory/tax reporting.  Ensure complete, accurate, and timely completion of financial records for the Credit Union

Essential Duties and Responsibilities:

  1. Complete general ledger and/or bank account reconciliations and ensures the accurate and timely resolution of reconciling items. Researches and correct discrepancies.
  2. Prepare periodic, month-end, and quarter-end closing entries to properly account for general ledger activities in accounting system, core banking platform and other third-party systems.
  3. Responsible for the preparation of 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.
  4. Assist in the Allowance for Loan and Lease Losses (ALLL) monthly analysis including updating/validating data and preparing associated reports. Working with the Financial Manager to ensure analysis in compliance with GAAP and regulatory requirements.
  5. Assist in certifying general ledger/bank account reconciliation prepared by Accountants and Lead Accountant.
  6. Participate in reviews and certification of employee payroll processing prior to and/or post submission.
  7. Prepare and/or 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.
  8. Provide support for internal auditors, external auditors and regulators as directed by the Financial Manager. Collect fieldwork data for audits and exam including but not limited to confirmation letters, audit questionnaires, pro forma data and other audit schedules.
  9. Assist the Financial Manager 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.
  10. Act as a super-user for accounting systems, develop reports to assist management and lead integration of systems as planned.
  11. Maintain effective communication and coordination with Credit Union personnel and with management.
  12. Other duties as assigned.

Knowledge, Skills, and abilities required: 

  1. A Bachelor’s degree from an accredited college or university with a concentration in accounting/finance or extensive experience in advanced financial accounting and reporting.
  2. Minimum of five years performing accounting function for financial institution is preferred.
  3. Certified Public Accountant (CPA) certification is a plus.
  4. Advanced spreadsheet skills are required. Strong personal computer skills including Microsoft Office.
  5. Professional written and verbal communication skills.
  6. A high degree of organization and the ability to handle multiple projects and deadlines.
  7. 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.
  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.
Apply
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