VP Risk Management
Apple Federal Credit Union job in Fairfax, VA
Why Join Apple?
At Apple Federal Credit Union, we're more than a financial institution; we're a community-focused organization powered by passionate people. With 24 branches across Northern Virginia and a proud legacy of service, we're committed to improving the lives of our members and the communities we serve.
We believe our employees are our greatest asset. That's why we foster a supportive workplace culture that values inclusiveness, innovation and growth. Whether you're just starting out or advancing your career, you'll find opportunities for professional development, mentorship and meaningful impact.
Why Work at Apple FCU
Recognized as a USA Top Workplace (2025) and Top Workplace by The Washington Post (2024)
Collaborative, welcoming environment with forward-thinking leadership
Competitive, comprehensive benefits package, including:
Medical, dental and vision coverage
401(k) with employer match
Paid time off and 11 paid federal holidays
Paid volunteer time to give back
Tuition reimbursement and ongoing training opportunities
Annual TEAM Bonus plan.
Role:
Directs the development, implementation, and maintenance of internal and external Risk Management Program. Directs the activities of the Bank Secrecy Act / Anti-Money Laundering, Compliance and Fraud Departments. While implementing or recommending action to ensure compliance and minimize risk, the VP of Risk Management should be conscious of streamlining efforts, cost effectiveness, safety and soundness, and proper maintenance of the internal control structure. Performs duties and responsibilities in accordance with The Apple Way principles of Team Up, Serve with Purpose, Challenge Yourself and Own It. Remains cognizant of and adheres to credit union policies and procedures, and regulations pertaining to the Bank Secrecy Act. Performs other job duties as assigned by the Chief Financial Officer.
Essential Functions & Responsibilities:
Oversees the team responsible for ensuring the credit union's compliance with the Bank Secrecy Act and anti-money laundering rules and regulations. Ensures that regulatory-required reports on suspicious activity and excessive currency are filed on a timely basis. Prepares monthly reports regarding BSA/AML activity for the Chief Financial Officer and prepares annually required learning for all staff and Board of Directors on compliance with the Bank Secrecy Act. Ensures BSA and Member Identification Policies are updated and approved by the Board annually. Conducts annual BSA risk assessment.
Manages Fraud Operations Team and ensures that loss mitigation strategies effectively address internal and external losses to the credit union. Evaluates, manages, and deploys technology intended to combat fraud losses. Provides monthly updates to the Chief Financial Officer about fraud reduction strategies and reports annual assessment of fraud-related losses and strategies to the Board of Directors. Liaises with business unit owners on fraud mitigation techniques.
Oversees regulatory compliance efforts of credit union and ensures Executive Leadership Team is informed of legislation, regulations and trends affecting federal credit unions. Report as appropriate regulatory matters, concerns and/or the overall compliance condition of applicable divisions, departments, operations, or functions within in the credit union to the Board of Directors or Executive Leadership Team. Conducts annual reviews with business unit owners intended to ensure compliance with existing and forthcoming regulation.
Serves as the primary liaison between the credit union and external legal counsel. Coordinates communication with attorneys on matters related to risk management, compliance, contracts, litigation, and regulatory issues. Ensures timely and accurate information exchange, facilitates legal review of policies and agreements, and provides updates to the Chief Financial Officer and Executive Leadership Team on legal matters impacting the credit union.
Conducts risk assessments of new products and services and ensures legal review of proposed terms and conditions or contractual obligation prior to product/service implementation.
Co-chairs Incident Response and BCP Emergency Teams, attends Operations Leadership Team meetings and serves on Policy & Procedures, Enterprise Data Steering, IT Steering and Enterprise Risk Management Committees.
Develops annually required training modules for all staff on internal fraud prevention and robbery response requirements.
Responsible for the credit union's disaster recovery/business continuity planning process. Ensures the plan remains current and adequately addresses the identifiable risks, is effectively communicated, and is adequately tested on an annual basis to provide reasonable assurance of effectiveness.
Oversees the vendor management function, ensuring that all third-party relationships are assessed for risk, comply with regulatory requirements, and align with the credit union's strategic objectives. Develops and maintains vendor due diligence processes, monitors vendor performance, and ensures timely review and renewal of contracts. Provides regular updates to the Chief Financial Officer and Executive Leadership Team on vendor risk and compliance issues.
Runs the credit union's physical security program to include alarm device, security camera and access control testing and maintenance. Conducts annual physical security audits of credit union locations and reports findings to Executive Leadership Team. Ensures Physical Security Policy of the credit union is updated and approved by the Board annually.
Experience:
Minimum 5 years' experience in financial institution regulatory compliance, BSA and fraud investigations.
Minimum 8 years management experience.
Education:
A bachelor's degree in a related field required, Master's degree and Certified Anti-Money Laundering Specialist (CAMS) Certified Fraud Examiner (CFE) preferred. Americas Credit Unions Certified Credit Union Compliance Officer | CUCO ™, Certified Bank Secrecy Act Professional | CBSAP ™designations required within 1-year of hire.
Other Skills:
Excellent analytical ability and ability to conduct thorough research, interpret and understand laws and regulations, and provide workable recommendations and solutions to problems.Excellent oral and written communication skills.Broad knowledge of, and practical experience with, credit union or other financial institution operating areas, functions, products and services and the laws and regulations which apply to credit unions.Well-organized, efficient, detail-oriented self-starter, able to work independently. Ability to handle simultaneously, multiple tasks and changing priorities in an efficient and effective manner
*** Apple Federal Credit Union values, encourages, and implements diversity in the workplace.
As an equal opportunity employer, Apple Federal Credit Union does not discriminate in employment with regard to race, color, religion, national origin, citizenship status, ancestry, age, sex (including sexual harassment), sexual orientation, marital status, physical or mental disability, military status or unfavorable discharge from military service or any other characteristic protected by law.
All selected candidates will be subject to credit and background checks to determine employment eligibility. ***
Auto-ApplyContact Center Onboarding Advisor I
Apple Federal Credit Union job in Fairfax, VA
Why Join Apple?
At Apple Federal Credit Union, we're more than a financial institution; we're a community-focused organization powered by passionate people. With 24 branches across Northern Virginia and a proud legacy of service, we're committed to improving the lives of our members and the communities we serve.
We believe our employees are our greatest asset. That's why we foster a supportive workplace culture that values inclusiveness, innovation and growth. Whether you're just starting out or advancing your career, you'll find opportunities for professional development, mentorship and meaningful impact.
Why Work at Apple FCU
Recognized as a USA Top Workplace (2025) and Top Workplace by The Washington Post (2024)
Collaborative, welcoming environment with forward-thinking leadership
Competitive, comprehensive benefits package, including:
Medical, dental and vision coverage
401(k) with employer match
Paid time off and 11 paid federal holidays
Paid volunteer time to give back
Tuition reimbursement and ongoing training opportunities
Annual TEAM Bonus plan.
Role:
Operates under general supervision and in accordance with established policies and procedures to perform outbound telephone outreach aimed at acquiring new memberships. Provides guidance to members and prospective members in understanding and effectively utilizing credit union products and services. Performs duties and responsibilities in accordance with The Apple Way principles, of Team Up, Serve with Purpose, Challenge Yourself and Own It. Remains cognizant of and adheres to credit union policies and procedures, and regulations pertaining to the Bank Secrecy Act. Performs other job duties as assigned by the Manager, Contact Center Onboarding or above.
Essential Functions & Responsibilities:
Following the completion of the new member onboarding process, actively develops a meaningful connection through robust interviews and product recommendations made in the best interest of our newest members. Qualifies new members for appropriate products and services and works to close the sale on those beneficial to the members and in accordance with assigned goals.
Initiates proactive outbound telephone outreach to new membership prospects and applicants. To collect required documentation needed to complete the membership application process. Reviews and validates documentation to meet credit union guidelines.
Responsible for ongoing contact with existing members along with follow-ups to assigned lead sources. Attempts to strengthen member relationships with Apple FCU by helping them to maximize their credit union benefits. Actively seeks referrals for new business and identifies opportunities to increase online new membership volume.
Responsible for processing and follow-up on assigned tasks related to member requests such as queue work, help desk and shared inbox.
Achieves individual daily, weekly and monthly goals. Seeks to enhance team's progress toward shared goals by referring new business to other areas of the Credit Union, including Commercial Services, Mortgages, and Apple Financial Services. Provides strategic insight as requested.
Prepares and shares monthly analytical reports in MS Excel for management.
Ensures all work follows Apple Federal Credit Unions Policies and Procedures.
Remains cognizant of updates regarding new member identification and processing, seeking clarification where needed. Maintains a basic knowledge of Apple FCU's Products and Services.
Attends required credit union training as well as Contact Center Onboarding team refresher and training sessions.
Experience:
Minimum two years in a financial institution customer service or sales capacity preferred.
Education:
HS diploma or equivalent required (GED).
Interpersonal Skills:
Has the proven ability to sell over the phone. Ability to interact effectively in a group or individual situations with all levels of educational or Credit Union staff members.
Physical Requirements:
The ability to lift 25lbs and utilize standard office equipment including, but not limited to, PC, fax, copier, telephone, etc.
*** Apple Federal Credit Union values, encourages, and implements diversity in the workplace.
As an equal opportunity employer, Apple Federal Credit Union does not discriminate in employment with regard to race, color, religion, national origin, citizenship status, ancestry, age, sex (including sexual harassment), sexual orientation, marital status, physical or mental disability, military status or unfavorable discharge from military service or any other characteristic protected by law.
All selected candidates will be subject to credit and background checks to determine employment eligibility. ***
Auto-ApplyBusiness Banking & Consumer Service Specialist - Hanover Branch
Mechanicsville, VA job
PRIMARY FUNCTION:
Responsible for offering and selling financial products and services to both consumer and small business members. Performs thorough needs assessments on members and small business prospects and members to grow and deepen member relationships while ensuring quality member service. Primary focus is around small business lending, consumer lending, real estate lending, and building and growing a book of business.
JOB DUTIES AND RESPONSIBILITIES:
Provides superior member service by accurately and efficiently performing all member service related transactions in accordance with VACU policies and procedures. Skilled in assessing consumer and business member needs, providing solid advice/recommendations, and building strong relationships based on mutual trust in order to optimize sales opportunities with new and existing member/business clients. Primary point of contact within each branch for small business clients and the resident expert for small business products and services. Will spend the majority of their time focused on small business prospecting and deepening business membership needs, including small business lending packages, memberships and account openings. Expected to make outbound calls and in-person visits to small business prospects and existing small business members to deepen relationships and uncover sales opportunities. Professional communication skills with business acumen are expected in order to effectively communicate through emails to business members and business prospects Expected to grow business prospects while nurturing and deepening existing business memberships in order to effectively build a book of business. Expected to have a strong understanding of all mortgage and equity products in order to provide proper guidance and recommendations. Ensure the member's needs are met by partnering with the appropriate specialist and/or teammate to serve the member's banking, small business, mortgage, and investment needs. Ability to build solid relationships with teammates, business partners and specialists by fostering teamwork, partnership and collaboration. Demonstrates initiative, a commitment to continuous learning, and the ability to adapt to changing demands and requirements Demonstrates appropriate knowledge of all VACU policies and procedures related to the platform, including Security and Information Security Establishes member relationships through quality service and cross selling VACU products/services to meet member needs Handles each transaction proficiently and accurately, exercising good judgment and seeking approval for any transaction exceeding assigned levels of authority Partners with branch management team on all sales and service initiatives Demonstrates the ability to provide effective decision making that is in the best interest of VACU, the branch and the member Must maintain appropriate knowledge of all VACU products and services Answers the phone and respond to member phone inquiries professionally and accurately Building and retaining member relationships by performing follow - up and courtesy calls to members. Responsible for ensuring that business goals and individual member service and sales goals are consistently met. Provides quality service by following all member service expectations Responsible for delivering high quality service and needs based sales to members Required notary certification. Must stay informed of all notary rules and regulations. Comply with all published enterprise level policies and procedures including, but not limited to, Risk Management policies. Complete all required, ongoing enterprise level training including, but not limited to BSA, OFAC, and Information Security. Report all Risk Management Policy violations in accordance with policy. Must develop and maintain a working knowledge of all applicable federal and state regulations including corporate policies and procedures. Stay up to date on all required loan documents, systems, credit reports and related lending documents. Other duties may be required and assigned by the supervisor
JOB QUALIFICATIONS:
Knowledge: Demonstrates understanding of products and services offered by financial institutions with a primary focus on competitive business lending, products, and services.
Skills: Satisfactory computer skills required.
Abilities: Professional and effective communication and public relations skills, cross-selling, problem solving and interpersonal skills. Sound judgment. Ability to handle difficult situations. Ability to handle multiple tasks. Professional appearance and manner.
Minimum Education and Experience:
College graduate with concentration in business. May substitute work experience.
Preferred experience in business banking and building a book of business
Significant experience with a financial institution with an emphasis on sales
Must be able to be actively registered with the Nationwide Mortgage Licensing System and Registry (NMLS)
PHYSICAL REQUIREMENTS:
This job requires the ability to sit and stand for long periods of time.
This job requires occasionally lifting up to 50 pounds and/or up to 30 pounds frequently.
Auto-ApplyData Analyst II - Waterford
Virginia job
is located onsite in Richmond VA.
Position is responsible for supporting data and information needs of the VACU enterprise, requiring strong partnership with various business areas to understand objectives, identify opportunities, and interpret data for improved business decision making. Individual will work with various data sets using scripts, queries, and online platforms to extract, clean, interpret, and prepare data for answering business questions and providing actionable insights. Individual will also partner heavily with data scientists for predictive model development and deployment. In addition to analytic results, deliverables may also include production of new reports, customized dashboards, data workflows, and automated processes.
JOB DUTIES AND RESPONSIBILITIES:
Provide data and analytical support to departments throughout VACU
Analyze data to identify trends, opportunities, and general insights, and partner with departments to create actionable response plans
Design and develop data visualizations and contextual data narratives
Regularly monitor performance of ongoing models and data solutions ensuring continued performance
Work with business departments to gather and translate high-level requirements into effective reporting and process efficiency solutions
Write stored procedures, triggers, packages and jobs to extract data for reporting and integrating with other systems/uses
Deliver on time-critical ad hoc requests
Assist end users with issues/questions relating to data, analytics, business intelligence, the data warehouse and other processes supported by the team
Develop and document procedures for programs and processes
Develop and maintain a working knowledge and understanding of VACU data sources
Complete all required, ongoing enterprise level training including, but not limited to BSA, OFAC, and Information Security.
Report all Risk Management Policy violations in accordance with policy.
Other duties may be required and assigned by the supervisor
JOB QUALIFICATIONS:
Knowledge:
Strong knowledge of credit union operations and underlying databases (e.g. MISER, Member360, Temenos, etc.)
Strong working knowledge of SQL and Microsoft SQL Server tools (e.g. SSMS, SSRS)
Strong working knowledge of R and/or Python preferred
Knowledge of Tableau for dashboard creation, data visualization, and deployment
Proficient with Microsoft Office products (e.g. Excel, Power Point, etc)
Knowledge of business intelligence principles and best practices
Knowledge of business process analysis
Skills:
Strong critical thinking, analytical and problem solving skills
Experience formulating or contributing to proof concept analyses
Ability to derive in depth insights from data
Strong coding skills
Experience translating complex business requirements into technical specifications
Strong attention to detail
Excellent oral and written communication skills
Experience working on project teams
Abilities:
Ability to leverage concepts and tools used in statistical analysis, model building, and data analysis
Ability to consult with end users to identify and clarify business objectives
Ability to work independently and extensively with SQL databases, views, tables and related disciplines
Proven ability to work creatively and analytically in a problem-solving environment
Ability to gather business requirements and translate them into functional models, prototypes, and live solutions
Ability to effectively communicate technical information to non-technical staff
Ability to independently and effectively organize, prioritize, and manage multiple assignments with challenging deadlines
Ability to validate, standardize, and cleanse data when needed
Ability to troubleshoot problems and suggest alternatives, looking beyond the obvious to find answers
On rare occasion, must be able to meet flexible work schedule including holidays, weekends and evenings
Minimum Education and Experience:
Bachelor's degree in statistics, math, computer science, engineering, or other analytic discipline.
Significant work experience in an environment with emphasis on business analytics, reporting, and data warehouse systems.
Significant hands-on experience coding in a scripting language
SQL experience including SQL database design, stored procedures, SSIS, SSRS
Experience with Tableau and/or other BI tool packages
Experience with R or Python preferred
Experience documenting business processes preferred
Prior experience in financial industry preferred
PHYSICAL REQUIREMENTS:
This job requires the ability to sit for long periods of time.
This job requires infrequent lifting or carrying of objects up to 10 pounds.
Auto-ApplyDesktop Support Technician
Newport News, VA job
Imagine being part of a company where your growth is valued and your journey is supported. Imagine yourself at Langley Federal Credit Union, where we're dedicated to shaping a meaningful path together. You belong at Langley.
Langley Federal Credit Union is one of the 100 largest credit unions in the United States with over $5B in assets and over 400,000 members. We are constantly growing and have recently expanded to neighboring states and other parts of Virginia.
Langley is committed to being the best place you will ever work, and it all begins with our comprehensive employee benefits package, which includes affordable medical, dental, and vision plans in addition to:
Investing in You:
Educational Assistance, encompassing books, lab fees, registration costs, and more.
Support for Student Loan Repayment.
Abundant Career Growth Opportunities.
Time Off That Matters:
Generous Paid Vacation that starts accumulating from day one, progressively increasing with every five years of service, up to a maximum cap.
Celebrate 13 Paid Holidays, including your birthday and the day following Thanksgiving; enjoy Floating Holidays too!
Paid Sick Time for all team members.
Financial Security:
Highly competitive 401K plan featuring a 6% company match, with immediate vesting with a ROTH IRA option.
Company-covered short- and long-term disability insurance.
Complimentary Life Insurance and the choice of additional Voluntary Life Insurance.
Flexible Health Care and Dependent Care benefits.
Langley Federal Credit Union is currently hiring for a Full Time Desktop Support Technician to work on-site from our Oyster Point office, located in Newport News, VA
Job Summary:
Under direct supervision, the Desktop Support Technician supports and maintains in-house computer systems, desktops, and peripherals. This includes installing, diagnosing, repairing, maintaining, testing, and upgrading hardware and equipment while ensuring optimal performance. The Desktop Support Technician will also troubleshoot problem areas in a timely and accurate fashion and provide end user training and assistance where required.
Essential Functions, Duties, and Responsibilities:
Ensures software configurations are consistent with defined standards.
Minimizes PC equipment downtime by completing periodic preventative maintenance as directed.
Provides Service Desk and desktop support as required. Desktop equipment includes but is not limited to computers; telephones; printers; monitors; peripherals and other devices as required. Escalates or refers issue to Senior Desktop Support Technician for assistance as appropriate.
Coordinates as directed with outside service providers, 3rd party support, or other vendors for the repair or replacement of equipment.
Follows all asset management requirements and policies.
Assists with setup, installation, and general maintenance of PC hardware, software, printers, desktops, phones, and peripherals.
Supports work order or project-related tasks, including support of local area network and branch operation activities (branch or location openings, etc.).
Receives and responds to incoming calls, pages, and/or e-mails regarding support issues using company provided mobile devices and/or other computer equipment.
Serves in On Call rotation and where availability is required as determined by a published schedule.
Constructs, installs, and tests customized configurations based on various platforms and operating systems.
Qualifications:
Technology related 2-year degree or equivalent from a college, university, or technology school.
At least six months to one-year technology related experience.
A+, Network+ or equivalent certifications preferred.
KNOWLEDGE, SKILLS, ABILITIES AND OTHER:
Technical knowledge of network and PC hardware including printers and other desktop peripherals.
Working technical knowledge of current network protocols, operating systems, and standards.
Knowledge of principles and processes for providing quality customer service including customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction.
Skill in performing hands-on troubleshooting of computer and other technical equipment.
Skill in operating tools, components, and peripheral accessories.
Skill in active listening and giving full attention to what other people are saying, taking time to understand the points being make, asking appropriate questions, and not interrupting at inappropriate times.
Skill in using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions, or approaches to problems.
Skill in determining how a system should work and how changes in conditions, operations, and the environment will affect outcomes.
Skill in identifying complex problems and reviewing related information to develop and evaluate options and implement solutions.
Skill in considering the relative costs and benefits of potential actions to choose the most appropriate one.
Skill in identifying measures or indicators of system performance and the actions needed to improve or correct performance, relative to the goals of the system.
Ability to tell when something is wrong or is likely to go wrong - not solving the problem but only recognizing there is a problem.
Ability to conduct research into PC issues and products and required.
Ability to apply general rules to specific problems to produce answers that make sense.
Ability to combine pieces of information to form general rules or conclusions and find relationships among seemingly unrelated events.
Ability to read and interpret documents such as technical, operating and maintenance instruction and procedure manuals.
Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.
Competencies:
Service Champion - Adopts a service orientation, building trusting relationships and delivering value for associates, members, and communities.
Langley Ambassadors - Demonstrates a passion for Langley's vision, encouraging diversity, equity and inclusion while considering Langley's values when making decisions and taking accountability for delivering results.
Agile in Action - Adapts to changes in the business, demonstrating innovation to improve Langley and advance the business into the future.
Team Driven - Collaborates across Langley, communicating with transparency and prioritizing a team-based approach that delivers optimal outcomes for associates, members, and communities.
Continuous Learners - Maintains an understanding of Langley's business and how value is delivered to members and actively pursues opportunities to grow oneself and strengthen the organization.
Physical Requirements:
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions, duties, and responsibilities of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this Job, the employee is frequently required to sit, use hands to finger, handle, or feel, reach with hands and arms, and talk or hear. The employee is occasionally required to stand, walk, and stoop, kneel, crouch, or crawl. The employee must be able to make precisely coordinated movements of the fingers of one or both hands to grasp, manipulate, or assemble very small objects. Occasional lifting to 20 pounds is required. Specific vision requirements for the job include close vision (at 20 inches or less), distance vision, color vision, peripheral vision, depth perceptions, and ability to adjust focus.
Working Conditions:
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Occasionally, the employee will have to work around the risk of electrical shock. The noise level is typically moderate.
This job description is not designed to cover or contain a comprehensive listing of functions, duties or responsibilities that are required of the employee. Functions, duties, and responsibilities may change, or new ones may be assigned at any time with or without notice.
Salesforce Product Manager- on site in Newport News, VA
Remote or Newport News, VA job
Imagine being part of a company where your growth is valued and your journey is supported. Imagine yourself at Langley Federal Credit Union, where we're dedicated to shaping a meaningful path together. You belong at Langley.
Langley Federal Credit Union is one of the 100 largest credit unions in the United States with over $5B in assets and over 400,000 members. We are constantly growing and have recently expanded to neighboring states and other parts of Virginia.
Langley is committed to being the best place you will ever work, and it all begins with our comprehensive employee benefits package, which includes affordable medical, dental, and vision plans in addition to:
Investing in You:
Educational Assistance, encompassing books, lab fees, registration costs, and more.
Support for Student Loan Repayment.
Abundant Career Growth Opportunities.
Time Off That Matters:
Generous Paid Vacation that starts accumulating from day one, progressively increasing with every five years of service, up to a maximum cap.
Celebrate 13 Paid Holidays, including your birthday and the day following Thanksgiving; enjoy Floating Holidays too!
Paid Sick Time for all team members.
Financial Security:
Highly competitive 401K plan featuring a 6% company match, with immediate vesting with a ROTH IRA option.
Company-covered short- and long-term disability insurance.
Complimentary Life Insurance and the choice of additional Voluntary Life Insurance.
Flexible Health Care and Dependent Care benefits.
Langley Federal Credit Union is currently hiring for a Full Time Salesforce Product Manager to work on-site from our Newport News corporate office, located in Newport News, VA. THIS IS NOT A REMOTE POSITION.
Essential Functions, Duties, and Responsibilities:
Independently leverages research, business and market intelligence, and data-driven insights to identify opportunities, propose solutions, create and maintain roadmaps, and improve performance.
Translates technology products and experience opportunities (improvement ‘needs' and ‘wants' as well as all other input) into initiatives and drives the execution strategy development.
Champions and drives technology & experience opportunities from idea to validation and implementation. Collaboration with all relevant stakeholders or SMEs (Business, UX, Technology, Ops, Marketing, etc.).
Leads the development of business case artifacts and hypothesis for scoping and prioritization of efforts.
Drives strategies and initiatives that maximize Langley's investment in Salesforce, ensuring the platform delivers measurable value, efficiency, and business alignment.
Serves as a financial services and Salesforce subject matter expert throughout the development lifecycle from idea through launch and optimization.
Prepares compelling presentations and other forms of communication to present and communicate complex concepts to a diverse audience.
Guides small, matrixed teams in identifying new opportunities, balancing priorities, and making trade-offs to ensure value delivery.
Maintains and prioritizes the Salesforce project backlog, ensuring the highest priority initiatives are prioritized while ensuring alignment with business goals and platform ROI.
Leads weekly scrum and daily standups as needed to ensure effective alignment, communication and collaboration.
Leads stakeholder meetings to communicate product updates and solicit feedback.
Makes autonomous decisions, quickly and thoughtfully, to move delivery forward in alignment with overall product vision and strategy.
Analyzes user feedback and other data to identify practical solutions that enhance platform impact.
Collaborates across business units to champion platform adoption and value creation, regardless of organizational structures while advocating for the benefit of the member.
Ensures all platform changes and enhancements align with Langley's risk and regulatory requirements; proactively escalates concerns as needed.
Qualifications:
Bachelor's degree or equivalent education and related experience required.
Salesforce certification is required including one or more of the following: Financial Services Cloud, Service Cloud Consultant, Sales Cloud Consultant, Platform Strategy Designer, Platform User Experience Designer, Salesforce Admin, Salesforce Certified Business Analyst, Experience Cloud Consultant, or Omnistudio Consultant.
Three years of experience using Salesforce required. Involvement in the implementation process is strongly preferred.
Use of Salesforce in a financial institution experience strongly preferred.
One-year experience working in an agile product development environment preferred.
One-year experience working in banking preferred.
Our Keys to Success:
Service Champion - Adopts a service orientation, building trusting relationships and delivering value for associates, members, and communities.
Langley Ambassadors - Demonstrates a passion for Langley's vision, encouraging diversity, equity, and inclusion while considering Langley's values when making decisions and taking accountability for delivering results.
Agile in Action - Adapts to changes in the business, demonstrating innovation to improve Langley and advance the business into the future.
Team Driven - Collaborates across Langley, communicating with transparency and prioritizing a team-based approach that delivers optimal outcomes for associates, members, and communities.
Continuous Learners - Maintains an understanding of Langley's business and how value is delivered to members and actively pursues opportunities to grow oneself and strengthen the organization.
Physical Requirements:
The physical demands described here must be met by an employee to successfully perform this position's essential functions, duties, and responsibilities. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions. While performing the duties of this job, the employee is frequently required to sit, use hands, including fingers, operate standard office equipment such as a mouse, keyboard, and adding machine, as well as speak and hear. The employee is occasionally required to stand and walk. Specific vision requirements for the job include close vision (at 20 inches or less).
Working Conditions:
The work environment characteristics described here represent those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions. Work is performed in a climate-controlled office environment where the noise level is typically quiet to moderate.
This job description is not designed to cover or contain a comprehensive listing of functions, duties, or responsibilities required of the employee. Functions, duties, and responsibilities may change, or new ones may be assigned at any time, with or without notice.
Financial Service Representative
Williamsburg, VA job
Imagine being part of a company where your growth is valued and your journey is supported. Imagine yourself at Langley Federal Credit Union, where we're dedicated to shaping a meaningful path together. You belong at Langley.
Langley Federal Credit Union is one of the 100 largest credit unions in the United States with over $5B in assets and over 400,000 members. We are constantly growing and have recently expanded to neighboring states and other parts of Virginia.
Langley is committed to being the best place you will ever work, and it all begins with our comprehensive employee benefits package, which includes affordable medical, dental, and vision plans in addition to:
Investing in You:
Educational Assistance, encompassing books, lab fees, registration costs, and more.
Support for Student Loan Repayment.
Abundant Career Growth Opportunities.
Time Off That Matters:
Generous Paid Vacation that starts accumulating from day one, progressively increasing with every five years of service, up to a maximum cap.
Celebrate 13 Paid Holidays, including your birthday and the day following Thanksgiving; enjoy Floating Holidays too!
Paid Sick Time for all team members.
Financial Security:
Highly competitive 401K plan featuring a 6% company match, with immediate vesting with a ROTH IRA option.
Company-covered short- and long-term disability insurance.
Complimentary Life Insurance and the choice of additional Voluntary Life Insurance.
Flexible Health Care and Dependent Care benefits.
Langley Federal Credit Union is currently hiring for a Full Time Financial Service Representative to work in person from our Williamsburg New Town Branch located in Williamsburg, VA.
Job Summary:
Provides members and potential members of Langley with impeccable service throughout our branch network, in person or over the phone. Uses consultative selling to offer financial products and services that meet or exceed members' needs. Identifies opportunities to increase member engagement. Educates members on Langley products and services to improve members' lives by helping them save, borrow, and spend wisely.
Essential Functions, Duties, and Responsibilities:
Utilizes consultative selling to offer financial products and services that meet or exceed members' needs through outbound calling, relationship building, or in-person conversations.
Answers Contact Center calls as needed after cross-training.
Processes new accounts, additional share types, and IRAs following policies to ensure compliance with BSA and US Patriots Act laws.
Processes consumer loan products and services, including personal, auto, home equity line of credit, and credit cards, ensuring compliance with federal regulations and credit union policies and procedures.
Serves as a mentor and role model for all staff including providing on-site training
.
Processes all types of transactions for members, including balance inquiries, transfers, payments, loan advances, account opening, and all other requests.
Cross-trains to work the teller line to assist as needed, following all policies & procedures
.
Assists members with all account and loan-related service needs, including offering financial advice to improve their financial well-being.
Assists with Online and Telephone banking, including enrollment, general education, troubleshooting, and resetting passwords or security questions.
Records every member interaction and follow up utilizing the Customer Relationship Management (CRM) tool and Document Management System.
Educates members on Langley products and services, making referrals to internal business partners.
Fosters teamwork by professionally interacting with peers, supervisors, and other Langley employees.
Serves as a front-line deterrent against fraud and theft, protecting members and the Credit Union.
Supports the day-to-day operations and efficiencies of the branch.
Complies with all Credit Union policies and regulatory requirements.
The ability to work at other branch locations as needed.
Qualifications:
An associate degree or two years of sales or service experience advising customers when choosing between options or an equivalent combination of education and experience required.
One year of financial institution experience is preferred.
Our Keys to Success:
Service Champion - Adopts a service orientation, building trusting relationships and delivering value for associates, members, and communities.
Langley Ambassadors - Demonstrates a passion for Langley's vision, encouraging diversity, equity, and inclusion while considering Langley's values when making decisions and taking accountability for delivering results.
Agile in Action - Adapts to changes in the business, demonstrating innovation to improve Langley and advance the business into the future.
Team Driven - Collaborates across Langley, communicating with transparency and prioritizing a team-based approach that delivers optimal outcomes for associates, members, and communities.
Continuous Learners - Maintains an understanding of Langley's business and how value is delivered to members and actively pursues opportunities to grow oneself and strengthen the organization.
Physical Requirements:
The physical demands described here must be met by an employee to successfully perform this position's essential functions, duties, and responsibilities. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions. While performing the duties of this job, the employee is frequently required to sit, walk, stand, and drive. Use of hands and fingers required to operate standard office equipment such as a phone, mouse, keyboard, etc. The ability to speak and hear will be necessary for this role. Occasional lifting of up to ten pounds may be required. Specific vision requirements for the job include close vision (at 20 inches or less) and the ability to identify and distinguish colors.
Working Conditions:
The work environment characteristics described here represent those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions. This position requires occasional work in outdoor weather conditions at member events, though work will typically be performed in a climate-controlled, indoor environment. The noise level within the work environment can range from quiet to loud. Loud environments will generally occur when attending large member events. The ability to work a flexible schedule, including Saturdays, is required.
This job description is not designed to cover or contain a comprehensive listing of functions, duties, or responsibilities required of the employee. Functions, duties, and responsibilities may change, or new ones may be assigned at any time, with or without notice.
Teller- Part Time
Virginia Beach, VA job
Imagine being part of a company where your growth is valued and your journey is supported. Imagine yourself at Langley Federal Credit Union, where we're dedicated to shaping a meaningful path together. You belong at Langley.
Langley Federal Credit Union is one of the 100 largest credit unions in the United States with over $5B in assets and over 400,000 members. We are constantly growing and have recently expanded to neighboring states and other parts of Virginia.
Langley is committed to being the best place you will ever work, and it all begins with our comprehensive employee benefits package, which includes affordable medical, dental, and vision plans in addition to:
Investing in You:
Educational Assistance, encompassing books, lab fees, registration costs, and more.
Support for Student Loan Repayment.
Abundant Career Growth Opportunities.
Time Off That Matters:
Generous Paid Vacation that starts accumulating from day one, progressively increasing with every five years of service, up to a maximum cap.
Celebrate 13 Paid Holidays, including your birthday and the day following Thanksgiving; enjoy Floating Holidays too!
Paid Sick Time for all team members.
Financial Security:
Highly competitive 401K plan featuring a 6% company match, with immediate vesting with a ROTH IRA option.
Company-covered short- and long-term disability insurance.
Complimentary Life Insurance and the choice of additional Voluntary Life Insurance.
Flexible Health Care and Dependent Care benefits.
Langley Federal Credit Union is currently hiring for a Part Time Teller to work in person from our Town Center Branch located in Virginia Beach, VA.
Job Summary:
Provides Langley members with impeccable service in person while accurately processing all types of member transactions. Educates members on Langley products and services to improve members' lives by helping them save, borrow, and spend wisely.
Essential Functions, Duties, and Responsibilities:
Processes all types of transactions for members, including balance inquiries, transfers, payments, loan advances, account openings, and all other requests through our core system.
Processes cash transactions accurately and in compliance with all regulatory requirements.
Assists members with all service requests, documenting the interaction and following up utilizing the Customer Relationship Management (CRM) tool and Document Management System.
Educates members on Langley products and services, making referrals to internal business partners.
Fosters teamwork by professionally interacting with peers, supervisors, and other Langley employees.
Serves as a mentor and role model for all tellers, providing adequate on-site training.
Serves as a front-line deterrent against fraud and theft, protecting members and the Credit Union.
Assists with all other branch operational duties as assigned.
Complies with all Credit Union policies and regulatory requirements.
Works at other branch locations as needed.
Qualifications:
An associate degree or two years of face-to-face customer service or sales experience, including cash handling, or an equivalent combination of education and experience, is
Our Keys to Success:
Service Champion - Adopts a service orientation, building trusting relationships and delivering value for associates, members, and communities.
Langley Ambassadors - Demonstrates a passion for Langley's vision, encouraging diversity, equity, and inclusion while considering Langley's values when making decisions and taking accountability for delivering results.
Agile in Action - Adapts to changes in the business, demonstrating innovation to improve Langley and advance the business into the future.
Team Driven - Collaborates across Langley, communicating with transparency and prioritizing a team-based approach that delivers optimal outcomes for associates, members, and communities.
Continuous Learners - Maintains an understanding of Langley's business and how value is delivered to members and actively pursues opportunities to grow oneself and strengthen the organization.
Physical Requirements:
The physical demands described here represent those an employee must meet to successfully perform this position's essential functions, duties, and responsibilities. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions. While performing the duties of this job, the employee is frequently required to talk, hear, sit, and use hands and fingers to operate standard office equipment such as a mouse, keyboard, or telephone, as well as non-standard equipment like debit card machines, ATMs, and bill and coin counters. Handling and manipulating small objects like bills and coins, reaching with hands and arms, and standing and walking are also frequently required. Occasional lifting up to 10 lbs. may be required. Specific vision requirements for the job include close vision (at 20 inches or less).
Working Conditions:
The work environment characteristics described here represent those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions. Work is performed in an indoor, climate-controlled retail branch environment where the noise level can range from quiet to moderate. The ability to work a flexible schedule, including Saturdays, is required.
This job description is not designed to cover or contain a comprehensive listing of functions, duties, or responsibilities required of the employee. Functions, duties, and responsibilities may change, or new ones may be assigned at any time, with or without notice.
Commercial Underwriter
Chantilly, VA job
Job Details Chantilly VA Location - Chantilly, VADescription
When you choose a job at Andrews Federal Credit Union, you give yourself the opportunity to grow, advance and make a difference. Andrews Federal is a mission-driven financial institution that focuses on giving members the tools they need to reach their financial goals.
We are continually developing our team of dedicated employees who are ready to serve. To create and retain this elite workforce, we offer highly competitive compensation and benefits plans, including highly desirable features like:
12 Paid Holidays a Year, Including Your Birthday
Retirement Plans - 401(k) with a 6% Match
Childcare Stipend up to $2600 to assist Working Families
Discount on Lending Products.
Tuition Reimbursement and Career Development Programs and Opportunities
Employee Assistance Program - 24/7 Support for Families
Affordable Healthcare Plan including Medical, Dental, Vision, and Rx
Employer paid Long Term Disability, Life Insurance, and AD&D
Short-Term Disability
Vacation Leave and Sick Leave
Free Parking
And when you are part of Team Andrews, you have the opportunity to be part of something bigger-- to support the financial goals and dreams of Andrews Federal members in the US, Europe and worldwide.
Come be a part of our success story - and let us help you shape your career story!
Purpose of Position
If you enjoy analyzing information and paying close attention to detail, underwriting can be an excellent career choice. An underwriter must have demonstrable solid judgment and excellent communication and interpersonal skills to work with clients to develop innovative risk management strategies based on a client's unique risk profile.
The Commercial Underwriter will be responsible for underwriting business loans including but not limited to CRE, Business Auto, Business Credit Card, and Business LOC, SBA, and meeting with clients, performing collections calls and/or correspondence in a goal-oriented environment on delinquent borrowers. This is a permanent position, not a contract. This opportunity has a base salary and full benefits package. Limited travel.
Essential Duties
Must be comfortable talking to members, spreading financials, and making credit recommendations for business loan approval, denial, or conditioned.
Responsible for reviewing and analyzing business loans for the credit union. Identify, analyze, and evaluate loan risks and other compensating factors.
Ensure the safety and soundness of credit union member business loan assets. Recommend business loan requests for approval, denial, or conditioned.
Collaborating with clients to coordinate the accumulation of all information required to perform underwriting for new and annual reviews.
Responsible for Credit File maintenance and credit offerings for loan review.
Use independent judgment to mitigate risk and provide recommendations for credit structuring.
Analyze credit strength and collateral strength and the financial worthiness of business loan prospects.
Perform ongoing risk management on the commercial loan portfolio.
Communicating regularly and effectively with borrowers that are seriously delinquent to identify and counsel them on the best workout options available.
Reviewing loan files to ensure the completeness of the file and that all collateral is secured properly.
Recommend workouts with all involved parties (borrowers, guarantors, SBA, participants, and leadership etc.)
Preparing credit presentations/memos as appropriate related to portfolio clients including financial and collateral analysis.
Recommending risk rating changes as appropriate.
Providing customer service regarding collection and commercial lending issues.
Researching delinquent accounts including documentation and file review and coordinate the optimum method to ensure receipt of payments.
Resolving customer discrepancies and short payments.
Ensuring through constant monitoring the potential accounts and making recommendations on loans that could become non-accruing and/or require specific reserve allocations through the impairment process.
Ensuring all credit and collection policies, procedures, practices, and documentation meet federal and state regulations.
Participate in site inspections and joint business development calls.
Performing other duties or special projects as required or as assigned.
Required KSAs
Bachelor's degree in business administration, Finance, Accounting, or related field.
Knowledge of loan structuring, underwriting, documentation, credit, and credit risk management.
One or more years of experience in a commercial lending environment.
Experience in identifying documentation risks, addresses, and /or negotiating them to resolution as well as determining when to elevate risk situations to the appropriate individuals.
Working knowledge of financial statements, and ability to identify trends and risks.
Strong multi-tasking, time management, thoroughness, and accuracy skills required.
Solid communication and organizational skills with focus on teamwork and cooperation.
A high level of confidentiality is required.
Ability to work under deadlines with frequent interruption.
Ability to be dynamic, flexible, and enjoy the company of colleagues and business clients.
Physical Requirement
Ability to sit at a desk and computer for extended periods.
Ability to lift up to 20 pounds.
Position based in Chantilly, VA
Salary Range
Annual Salary - $78,170.56 - $97,713.20
In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals. However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization.
Consumer Lending Processor Direct I/II
Virginia job
PRIMARY FUNCTION:
Process and disburse consumer loans based on stipulations that have been added to a loan decision. To answer incoming calls from members, branch member service representatives and contact center lending advisors and assist accordingly. Proactively contact approved members in a timely manner to close loans in an effort to help the credit union attain overall loan growth goals. To review the terms of the requests and validate information needed for disbursement. Meet sales goals for ancillary products as well as making appropriate recommendations to help members meet their financial goals. Take complete ownership on all consumer loan applications assigned from branches, contact center, LSI and web; from communicating loan decision to actual disbursement. Comply with the member experience expectations and VACU policies and procedures.
JOB DUTIES AND RESPONSIBILITIES:
Inform, Educate, and Advise members.
Communicate loan decisions, answer questions and guide members, branch and contact center staff through next steps/options in an effort to get the loan closed.
Utilize lending knowledge and cross selling techniques to discuss additional products and services.
Develop and maintain complete knowledge of required loan documents, systems and credit reports. Stay up to date of all procedures, policy and system changes.
Provide detailed loan product, procedure and policy support to branch, resolution and contact center staff.
Review loan terms with members to ensure accuracy and obtain member acceptance.
Contact dealers, lienholders and private sellers to ensure accurate information is provided to complete loan process.
Ensure proper loan terms are set up and documentation is accurate prior to disbursement.
Evaluate member's income statements and tax returns in order to verify income.
Communicate regularly with applicants according to member contact guidelines and inform management when unable to meet expectations.
Fund all VACU consumer loans to include vehicle, credit card, personal, share secured, workout and personal line of credit.
Responsible for having working knowledge of title requirements and paperwork for all states.
Answer incoming calls from front line staff and members.
Send, receive, and process inbound/outbound documentation from all sources including mail, fax, loan systems and electronic mail.
Ensure all stipulations are met prior to closing.
Responsible for educating and selling all ancillary products for all loans being assigned to the processor team.
Ensure that all processed loans are signed and in compliance with lending guidelines and regulations.
Responsible for accurate utilization of our electronic signature method to expedite our loan disbursements.
Guide members to utilize electronic signatures rather than visiting a branch for loan closings.
Act as a mentor to new hires, providing support during their on the job training.
Responsible for testing loan system enhancements and changes and providing feedback accordingly.
Disburse consumer loans in accordance with VACU policy and procedures.
Must develop and maintain a working knowledge of all applicable federal and state regulations including corporate polices and procedures. Stay up to date on all required loan documents, systems, credit reports and related lending documents.
Comply with all published enterprise level policies and procedures including, but not limited to, Risk Management policies.
Complete all required, ongoing enterprise level training including, but not limited to BSA, OFAC, and Information Security.
Report all Risk Management Policy violations in accordance with policy.
EXPECTATIONS:
Be accountable to performance measurement goals.
Detailed knowledge of consumer loan policies, procedures, workflows and guidelines.
Act as subject matter expert in consumer loan products, policies and procedures, in order to assist the frontline staff with questions.
Ability to work independently and with a team interdepartmentally to support and achieve credit union initiatives.
Manage assigned loan queue based on expected member contact guidelines.
Contribute towards individual, team and company goals while promoting team spirit.
Make suggestions to improve department efficiency, documentation requirements, and service to members.
Ability to accommodate flexible schedules including Saturday, overtime and extended hours.
Adhere to work schedule to include breaks and lunch.
Performs work under minimal supervision.
Must have a minimum of 12 months lending experience.
No formal progressive discipline for the past 6 months.
Performs other duties as assigned.
JOB QUALIFICATIONS:
Education:
High school degree required. College degree preferred.
Work Experience and Knowledge:
Experience in one or more of the following areas are preferred: contact center, lending, and member service.
Thorough knowledge of financial products and services is preferred as well as prior experience in a customer service and sales environment.
Skills:
Must have excellent PC knowledge and ability to learn new operating systems as needed as well as strong organizational and follow up skills, and flexible to change.
Physical Requirements:
This job requires the ability to sit for long periods of time.
This job requires infrequent lifting or carrying of objects up to 10 pounds.
Must be able to speak clearly, and see clearly with reasonable accommodation.
This position description is not a complete statement of all duties and responsibilities comprising your position. It contains only the facts necessary to evaluate your position on a fair basis.
Auto-ApplyStaff Auditor I/II
Richmond, VA job
PRIMARY FUNCTION:
Assists the Internal Audit Department in completing the annual audit plan by performing financial and operational audits to assure that internal controls and procedures are in place to mitigate risks and comply with regulatory requirements and VACU's policies.
JOB DUTIES AND RESPONSIBILITIES:
Utilize critical thinking skills to objectively analyze and evaluate information, identify patterns, and make logical and reasonable judgments.
Develops potential audit procedures with minimal guidance from department management and provides thought leadership to assigned staff member(s).
Performs assigned audit procedures, including documenting audit objectives, identifying risks and controls, developing and executing an audit program, performing appropriate audit testing, and providing direction to other audit team members.
Schedules and conducts entrance, follow up, and/or exit meetings with Credit Union Management, as requested.
Identifies and evaluates opportunities for operational efficiency.
Documents audit findings in automated working papers that support procedures performed and conclusions drawn.
Effectively communicates audit results, risks, and/or recommendations for improvement, both verbally and in writing.
Establishes positive working relationships with department staff and Credit Union team members at all levels.
Prepares an audit report summarizing the results of the audits performed to Management and the Supervisory Committee.
Carries out all aspects of assigned audits or projects in a timely manner, in accordance with established budgets and objectives.
Provides assistance to the external auditors.
Attends internal and/or external training classes and seminars to stay abreast of issues affecting the internal audit function and financial services industry.
Maintains a good working relationship with employees at all levels.
Keeps all Credit Union transactions and other information obtained through audit procedures in strict confidence.
Comply with all published enterprise level policies and procedures including, but not limited to, Risk Management policies.
Complete all required, ongoing enterprise level training including, but not limited to BSA, OFAC, and Information Security.
Report all Risk Management Policy violations in accordance with policy.
Performs other duties as assigned by the SVP/Chief Audit Officer.
JOB QUALIFICATIONS:
Education: Bachelor's degree with concentration in accounting or finance is required. Professional certification as a CPA, CIA, CISA, CFSA or other relevant certification is preferred.
Work Experience:
Two plus years prior experience in public accounting or internal audit.
Prior experience working with a financial institution is preferred.
Prior experience independently planning and conducting internal audits is desirable. An understanding of generally accepted accounting principles and/or internal auditing standards is required to determine compliance with policies and procedures and evaluate the effectiveness of internal controls.
Strong computer skills are required, including proficiency in Microsoft suite of software; familiarity with Arbutus Analytics, Teammate, or other similar audit software is desirable.
Skills: Good judgment and strong analytical skills; excellent communication and listening skills; excellent organizational and time management skills to prioritize and work on multiple projects; ability to work both within a team and independently; flexible; high degree of integrity and respect for confidentiality and privacy of information.
Abilities:
Must have transportation to all VACU locations.
Physical Requirements
This job requires the ability to sit and stand for long periods of time and infrequent lifting or carrying of objects up to 10 pounds.
Auto-ApplyMortgage Loan Officer - Flexibility to Work from Home - Richmond Area
Virginia job
PRIMARY FUNCTION:
The Mortgage Loan Officer proactively solicits prospective mortgage clients and new members for Virginia Credit Union (VACU). Responsible for assisting Virginia Credit Union members and perspective members in obtaining first mortgage loans including FHA, USDA-RD, VA, and VHDA. Develop and maintain business relationships with VACU partners, builders and realtors. Obtain and maintain all pertinent documents for processing. Responsible for application from initial receipt through loan approval/closing and ensuring that the application is handled in a timely manner. Exemplify excellent member service.
JOB DUTIES AND RESPONSIBILITIES:
Provide quality member service to meet the standards set by Mortgage Lending management and the Member Experience team.
Interview members and perspective members for first mortgage loans including purchase and refinance transactions. Assist members and perspective members with understanding the homeownership process or other related mortgage products, including conventional and government lending programs. Present mortgage options that balance leverage and home affordability.
Consistently communicates with members their application status, (approval, denial, additional documentation, etc.), and current interest rates. Responsible for ensuring interest rates are locked in conformity with VACU policies.
Conducts preliminary underwriting reviews to assess secondary market standards (where applicable) or VACU guidelines. Submit complete applications to underwriting using computer technology.
Assist in obtaining information for timely processing of all mortgage loans. Verify supporting documentation including, but not limited to, employment history, deposit information and other documentation related to the application.
Communicate with mortgage lending management about file status and issues/concerns with a particular loan.
Promotes VACU mortgage products and realty services via VACU finance seminars and cross promote other VACU financial services options such as consumer lending, investment services, property and casualty insurance, title and settlement services.
Assist in the development of marketing strategies to deepen mortgage relationships and opportunities with members, perspective members, VACU partners, builders and realtors.
Maintain excellent working relationships with Sales, Processing, Underwriting, and
Closing team members.
Receive full documentation on all loan products (purchase and refinance) specializing in conventional and government (FHA, VA, USDA Rural Development) mortgages.
Review, calculate and prepare loan documentation necessary to prepare the loan for underwriting. (i.e. income documents, bank statements, credit reports, employment history, underwriting reports, reserves, cash to close and federal government exclusionary lists).
Maintain an excellent understanding of investor and Virginia Credit Union (VACU) requirements for a variety of loan products including conventional (traditional and non-traditional) and government lending.
Maintain an understanding of state specific loan and closing transactions to insure that loans close on time.
For converted pre-qualified loans, prepare files for submission to underwriting and closing to ensure that the application meets secondary market standards or VACU guidelines.
Update mortgage loan origination system on a timely basis.
Assist with the preparation and scheduling of residential loan closings.
Comply with Regulations B, C, X and Z regarding the completion, preparation, issuance and delivery of required disclosures including, but not limited to, the Good Faith Estimate, Truth in Lending, Potential Transfer of Servicing and Adverse Action forms. Also included are compliance with FACT and FDPA (Flood).
Insure data integrity and accuracy of all loans as measured by the number and severity of audit exceptions reported monthly by external and internal audit teams.
Comply with all published enterprise level policies and procedures including, but not limited to, Risk Management policies.
Complete all required, ongoing enterprise level training including, but not limited to BSA, OFAC, and Information Security.
Report all Risk Management Policy violations in accordance with policy.
Assist with testing the mortgage loan origination system new product and program releases and updates/upgrades as needed.
Assist management to investigate audit exceptions and formulate responses.
Assists Post Closing in obtaining outstanding documentation for all closed mortgage loans
Contributes towards team and departmental goals
Other duties may be required and assigned.
PREREQUISITES FOR POSITION:
Education:
High School Graduate; College graduate preferred, but not required.
Work Experience
Significant conventional and government loan experience required.
Excellent knowledge of mortgage documentation s as well as federal, state, and local real estate regulations required.
Prior experience building Dealer/Realtor relationships and marketing mortgage products preferred.
Retail and Branch banking experience preferred.
Experience using EMPOWER automated underwriting system a plus.
Desirable Traits
Excellent oral and written communication skills.
Strong customer service and sales ability as demonstrated by monthly sales volume of $1mm of funded loans per month.
Strong problem solving and organizational skills.
Ability to analyze financial information.
Must be a team player.
Computer experience required.
Comments
Overtime and/or Saturday hours may be required
NMLS
Must maintain active registration with the Nationwide Mortgage Licensing System and Registry (NMLS)
PHYSICAL REQUIREMENTS:
This job requires the ability to sit for long periods of time.
This job requires infrequent lifting or carrying of objects up to 10 pounds.
Auto-ApplyContact Center Supervisor
Roanoke, VA job
PRIMARY FUNCTION:
The Contact Center Supervisor's primary function is to provide leadership and direction to the Contact Center staff and directly supervise a team of Contact Center Account Consultants. In addition, the Supervisor is responsible for consistently motivating staff and developing goals to ensure that excellent member service is provided at all times.
JOB DUTIES AND RESPONSIBILITIES:
Inform, Educate, and Advise members, regardless of the individual circumstances.
Ensure the members are consistently provided with
quality service by promoting the Brand.
Conduct monthly one-on-one coaching sessions with individual consultants based on observation of job-related knowledge and skills (review activities, results, recorded member interactions, and progress towards goals).
Conduct Quick-Coaching sessions to provide informal observation and feedback to consultants on sales skills, and next time opportunities.
Conduct monthly team meetings to discuss sales and service objectives, activities, and/or strategies on which to focus.
Responsible for the writing of and the conducting of performance evaluations for the Contact Center staff in conjunction with the Manager.
Assist the Quality Assurance Specialist with service observing Contact Center consultants to ensure that department goals are met and to emphasize the importance of quality service.
Ensure that service level, average answer speed, and representative productivity is being managed and monitored.
Ensure that staff is cross-selling products and services and meeting department and team goals.
Ensure teamwork within the department and promote internal quality service with other areas of the Credit Union.
Utilize statistical reports to set goals for their individual teams and develop incentives to motivate the Contact Center staff.
Assist Manager and Workforce Management with daily and weekly scheduling.
Take incoming member calls as needed.
Assist Contact Center Consultants and members with intricate problems, and resolve member complaints and concerns in a timely manner.
Responsible for handling escalated member calls.
Acts in the absence of the Manager as needed.
Comply with all published enterprise level policies and procedures including, but not limited to, Risk Management policies.
Complete all required, ongoing enterprise level training including, but not limited to BSA, OFAC, and Information Security.
Report all Risk Management Policy violations in accordance with policy.
EXPECTATIONS:
Maintain and demonstrate excellent knowledge of all VACU products, services, policies, and procedures.
Keep informed and comply with regulations related to Consumer Lending, and Credit Committee and other credit union policies.
Contribute towards individual, team, & department goals while promoting team spirit.
Give feedback to the Managers and other Supervisors about department and team goals and incentives.
Attend training sessions as directed by Manager to keep skills current.
Work with the Contact Center Trainer on training and development.
Create a supportive culture by collaboration and teamwork, both internally and externally.
Utilize the mentoring program to assimilate new employees to the Contact Center.
Collaborate with Manager on service quality issues and member feedback.
Build relationships with team & promote team spirit and assistance to phone reps.
Keep all member and credit union business confidential.
JOB QUALIFICATIONS:
Knowledge:
Must have knowledge of Word and Excel.
Credit union or banking industry knowledge preferred.
Skills:
Must be able to operate a computer and other office equipment.
Must be skillful when working with details such as numbers and names.
Must have strong written and oral communication skills.
Must have good organizational and motivational skills.
Must have the ability to effectively communicate with customers, consultants, and all-levels of management both verbally and in writing.
Must be able to work in a stressful environment while being flexible and professional.
Must have the ability to consistently provide excellent service.
Must be driven by a heartfelt desire to create a place where customers feel comfortable seeking financial advice, and trust that they will receive the right solutions.
Must have ability to give direction, perform multiple tasks, and be creative.
Minimum Education and Experience:
High school degree is or equivalent required.
College degree is preferable or equivalent work experience.
Must have prior supervisory experience or have demonstrated leadership abilities in a customer service environment.
Must have experience with computers.
Must have experience in handling customer requests and inquiries.
Experience with writing and conducting performance evaluations, recruitment, and dealing with employee discipline issues is preferred.
PHYSICAL REQUIREMENTS:
Ability to sit for long periods of time.
Infrequent lifting or carrying of objects up to 10 pounds.
Ability to speak and hear clearly with reasonable accommodation.
Auto-ApplyUniversal Branch Representative I - Virginia Center Commons Branch
Glen Allen, VA job
PRIMARY FUNCTION:
The Universal Branch Representative performs the duties of both a Teller and Member Service Representative (platform). This role is vital in the delivery of an exceptional member experience while supporting branch sales and service strategies.
JOB DUTIES AND RESPONSIBILITIES:
Teller Responsibilities:
Establishes member relationships through quality service and cross selling VACU products/services to meet member needs
Handles each transaction proficiently and accurately, exercising good judgment and seeking approval for any transaction exceeding assigned levels of authority
Performs paying and receiving functions with accurate balancing and reporting, including but not limited to deposits, check cashing, loan payments, miscellaneous sales, cash advances, etc.
Disburses cash accurately and maintains a cash drawer, balancing it daily
Verifies and balances assigned cash drawer daily with minimal cash variances. Assists in reconciling errors or discrepancies. Maintains adequate cash and/or cash limits as required by VACU policy
Evaluates needs of existing and prospective members and makes daily referrals to Member Service Representatives
Member Service Responsibilities:
Responsible for opening Memberships
Responsible for opening all types of deposit accounts
Able to provide assistance and maintenance on all deposit and loan accounts
Referral based lending knowledge
Assesses each member's financial needs to identify, cross-sell opportunities and expand relationships
Make appropriate referrals to deepen member relationships
Demonstrates the ability to make appropriate decisions in the best interest of VACU and the membership
Engage members and prospective members in a professional and courteous manner in person and over the phone
Demonstrates flexibility around the daily needs of the members and the branch
Possesses leadership skills to properly self-manage and guide co-workers consistently
Possesses lobby leadership skills in order to maximize exceptional member experience
Demonstrates appropriate knowledge of all VACU policies and procedures related to the platform and teller line, including Security and Information Security
Answers member inquiries and cross-sells products and services of the credit union when appropriate.
Responsible for handling member transactions quickly and efficiently in a courteous manner within established policies and procedures and to identify and assist in member needs in a proficient and professional manner
Meets member needs by maintaining appropriate knowledge of all VACU products and services
Answers the phone and responds to member phone inquiries professionally and accurately
Building and retaining member relationships by performing follow - up and courtesy calls to members.
Meets expectations in all areas of teller and MSR performance documentation including service quality, operations, and sales
Provides quality service by following all member service expectations
Handles troubleshooting and special assignments in support of supervisor.
Responsible for ensuring that business goals and individual member service and sales goals are consistently met.
Responsible for delivering high quality service and needs based sales to members
Required notary certification. Must stay informed of all notary rules and regulations.
Comply with all published enterprise level policies and procedures including, but not limited to, Risk Management policies. Complete all required, ongoing enterprise level training including, but not limited to BSA, OFAC, and Information Security. Report all Risk Management Policy violations in accordance with policy.
Must develop and maintain a working knowledge of all applicable federal and state regulations including corporate policies and procedures. Stay up to date on all required loan documents, systems, credit reports and related lending documents.
Other duties may be required and assigned by the supervisor
JOB QUALIFICATIONS:
Knowledge: Thorough understanding of products and services offered by financial institutions preferred
Skills: Satisfactory computer skills required.
Abilities: Positive and effective communication and public relations skills, cross-selling, problem solving and interpersonal skills. Sound judgment. Ability to handle difficult situations. Ability to handle multiple tasks. Professional appearance and manner.
Minimum Education and Experience:
Minimum of high school diploma or equivalent.
Some college education or business courses preferred.
Customer/member service experience, preferably at a financial institution
Cash handling/business experience at a financial institution
Knowledge of TCD transaction and settlement procedures
PHYSICAL REQUIREMENTS:
This job requires the ability to sit and stand for long periods of time.
This job requires occasionally lifting up to 50 pounds and/or up to 30 pounds frequently.
Auto-ApplyAmeriprise Financial Group Financial Advisor
Richmond, VA job
VACU Investment Group (VACUIG) is expanding our wealth management team throughout Virginia- Greater Richmond Area, Blacksburg, Roanoke, Harrisonburg, VA Beach, Norfolk Williamsburg & Lynchburg.
The role of the investment consultant is to establish value-added relationships with VACU members , to understand their financial needs and to offer solutions for those needs. VACUIG is in partnership with Ameriprise Financial Group (AMPF) who serves as our Broker/Dealer. The candidate for this position will be an employee of AMPF., working within the VACU branches.
ESSENTIAL DUTIES AND RESPONSIBILITIES
Prospecting within the financial institution by establishing relationships with other client facing associates in order to generate referrals. This duty is performed weekly, about 20% of the time. Prospect outside the financial institution in order to build external referral sources as well as bringing new clients to the bank. This duty is performed weekly, about 15% of the time. Sell effectively by establishing relationships with customers, determining their needs and offering appropriate solutions in a manner that the customer sees the value, as well as understands the features and benefits of the products offered. This duty is performed daily, about 35% of the time. Engage in customer relationship management activities to increase wallet share per client and seek cross referral opportunities to other associates within the bank. This duty is performed weekly, about 20% of the time. Completes required BSA/AML training and other compliance training as assigned. This duty is performed as needed, about 10% of the time. Perform any other related duties as required or assigned.
Requirements
EDUCATION AND EXPERIENCE
Broad knowledge of such fields as accounting, marketing, business administration, finance, etc. Equivalent to a four year college degree, plus 2 years related experience and/or training, and 19 to 23 months related management experience, or equivalent combination of education and experience.
Outstanding verbal, written and listening communication skills. Superior customer service skills. Master at building relationships with customers.
Ability to quickly compile, verify and calculate information to provide solutions and recommendations. Product knowledge.
COMMUNICATION SKILLS
Ability to write reports, business correspondence, and policy/procedure manuals; Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.
Benefits
Full package includes health and retirement benefits, and life and long-term disability insurance
Virginia Credit Union
We're proud of the opportunities, training, benefits and work-life balance we provide to those who help people take their money further, and reach their goals sooner. We strive to provide a culture where employee development, teamwork, integrity, respect and quality of life are the cornerstones of delivering superior member experience. We thank our employees for making us a part of our community's "Top Workplaces" and are always looking to add people to our team who share our passion for helping members build their finances and confidence. In return, we offer employees a challenging and rewarding work environment and are committed to maintaining an atmosphere that promotes teamwork and continual improvement. Virginia Credit Union is an Equal Opportunity Employer.
Ameriprise Financial
Ameriprise Financial, Inc, through its subsidiaries, provides various financial products and services to individual and institutional clients in the United States and internationally. It operates through four segments: Advice & Wealth Management, Asset Management, Retirement & Protection Solutions, and Corporate & Other
As an Ameriprise employee, you may leverage our corporate support system to help run your program at one of our financial institution partners. Some of the benefits for financial advisors in the managed program may include:
Comprehensive employee benefits
Branding opportunities and proven turnkey marketing programs
Local and national support, including accessible leaders and teams of specialists
Office space located onsite at a financial institution
Peer-to-peer mentoring, plus training and coaching - including CFP certification support
Regular contact with regional leaders and colleagues - offering opportunities for sharing best practices
Enjoy the financial rewards
Our managed program compensation model is designed to reward financial advisors for the experience and level of practice they bring. We offer extensive up-front bonus programs to match your experience and book of business. We also understand client relationships extend way beyond their assets under management. That's why we provide payouts that apply to clients regardless of asset level.
Auto-ApplyLicensed Mortgage Loan Processor
Apple Federal Credit Union job in Fairfax, VA
Why Work at Apple FCU
Recognized as a USA Top Workplace (2025) and Top Workplace by The Washington Post (2024)
Collaborative, welcoming environment with forward-thinking leadership
Competitive, comprehensive benefits package, including:
Medical, dental and vision coverage
401(k) with employer match
Paid time off and 11 paid federal holidays
Paid volunteer time to give back
Tuition reimbursement and ongoing training opportunities
Annual TEAM Bonus plan
Job Summary:
Under general supervision, but following established policies and procedures, is responsible for originating and
processing fixed rate home equity loans, home equity lines of credit, and fixed rate, conforming and non-
conforming first trust mortgage loan applications. Performs related file maintenance. Coordinates processing,
closing and disbursement of mortgage loans. Works closely with Branch Staff, Mortgage
Processor/Underwriter, Mortgage Servicer, Home Equity Processor/Underwriter, and Credit Committee.
Performs duties and responsibilities in accordance with The Apple Way principles of Team Up, Serve with
Purpose, Challenge Yourself and Own It. Remains cognizant of and adheres to credit union policies and
procedures, and regulations pertaining to the Bank Secrecy Act. Understands the goals set by management and
assists in meeting those goals. Accepts and performs assignments varying in size and scope, as well as other
duties assigned by the Home Equity Mortgage Manager, Mortgage Operations Manager and AVP/VP of
Mortgage Lending.
Essential Functions & Responsibilities:
Process home equity loan and line of credit mortgage applications and fixed rate, conforming and non-conforming first trust mortgage loan applications originated through MortgageBot (online application software) by members of Apple Federal Credit Union and Apple FCU Mortgage Loan Originators. Processing activities include but are not limited to verifying income, employment, assets, down payments, debts and property values to calculate debt to income ratios and loan to value. Reviews the credit report, appraisal, preliminary title report and all other required loan documentation. Resolves all title issues including but not limited to vesting issues, liens, judgments, undisclosed liens and re-conveyances. Resolves appraisal issues and disputes while ensuring collateral meets the requirements of the product and Apple Federal Credit Union's guidelines. Processes subordination agreements. Ensures that all applications are complete, including preparation and issuance of required disclosures within compliance timelines. Submits loans through Freddie Mac Loan Prospector automated underwriting system and/or to Apple FCU underwriters. Orders private mortgage insurance, appraisal, HVE or AVM, final inspections, title commitment, flood certification, VOE, VOM and all other required documentation to process the mortgage loan. Maintains accurate data in the loan origination system at all times. Ensures all HMDA data is completed and accurate on all loans files prior to submission to underwriting. Maintains tracking reports on each loan to refer to in weekly review of all Home Equity applications in the pipeline to confirm that each loan is processed in a timely manner.
Key responsibilities of this position include consulting with members/assisting originators in person, by mail and over the phone to ensure the correct mortgage product is chosen and in the best interest of the member and the Credit Union. This qualifies the employee as a Mortgage Loan Originator (MLO) under the Secure and Fair Enforcement for Mortgage Licensing (SAFE Act).
Maintains a professional and courteous relationship with all members and vendors to ensure timely processing of all applications. Works with the AFCU Home Advisor Agents and their representatives to ensure the timely processing of all Home Advisor purchase loans.
Reviews all loans in accordance with Apple Federal Credit Union, FHLMC and NCUA guidelines and regulations. Preliminarily approves mortgage loans according to Freddie Mac Loan Prospector findings of “Accept”. Reviews and obtains all requirements on the Freddie Mac Loan Prospector finding report and checklist. Ensuring all requirements per the finding are met and the loan meets all requirements for the loan product per Freddie Mac, Private Mortgage Insurance Company, Apple FCU and the NCUA guidelines and/or regulations. Preliminary approval of mortgage loans includes review of but not limited to: calculation of debt and LTV ratios, reviewing mortgage credit report, property appraisal, condominium questionnaire and budget, flood certification, income, asset, private mortgage insurance, title commitments, surveys, termite inspections and all other required loan documentation.
Prepares files for submission to the Mortgage Underwriter for preliminary/final approval. Obtains all conditions from Member(s), Realtor, Title Company, Attorney, Private Mortgage Insurance Company or other source.
Coordinates and prepares pre-closing documentation. Working with realtors, title companies and/or attorneys in conjunction with the closing process and documents. Performs all loan file maintenance. Assists the Mortgage Servicing Specialist with servicing file set up (as needed).
Assists and/or provides back up for other processors in the event of vacations/illness when needed.
Helps train staff members with mortgage loan origination, processing and answers general questions with regard to mortgage loans. Reviews mortgage loan policies and procedures on an ongoing basis and recommends improvements to management
Knowledge and Skills:
Experience: Minimum three years mortgage processing experience. Previous credit training required. Knowledge of mortgage loan products and features required.
Education: HS degree or equivalent. Obtain and maintain a valid license number through the NMLS as required by the SAFE Act.
Interpersonal Skills: Excellent interpersonal skills.
Other Skills: Analytical ability to conduct preliminary analysis of an applicant's financial condition. Excellent analytical skills and attention to detail. Excellent written and telephone skills. P.C. proficient including: MS Windows, MS Office Suite (Word, Excel), and mortgage LOS software.
Physical Requirements: Ability to use standard office equipment, including, but not limited to: PC, fax, copier, telephone, postage machine, etc.
Work Environment: Ability to function in a financial institution environment.
Schedule: Hybrid
Location: Fairfax, VA
Apple Federal Credit Union values, encourages, and implements diversity in the workplace.
As an equal opportunity employer, Apple Federal Credit Union does not discriminate in employment with regard to race, color, religion, national origin, citizenship status, ancestry, age, sex (including sexual harassment), sexual orientation, marital status, physical or mental disability, military status or unfavorable discharge from military service or any other characteristic protected by law.
All selected candidates will be subject to credit and background checks to determine employment eligibility.
Auto-ApplyContact Center Account Consultant I
Virginia job
PRIMARY FUNCTION:
The Contact Center Account Consultant I's primary function is to answer telephone inquiries regarding deposit and loan accounts while promoting credit union products and services and consistently giving quality service to members and all co-workers throughout the credit union.
JOB DUTIES AND RESPONSIBILITIES:
Perform all of the following functions in a call center environment on the phone:
Inform, Educate, and Advise members, regardless of the individual circumstances.
Perform transfers, withdrawals, loan payments by transfer and advances from lines of credit by transfer or check. Takes check orders over the phone and processes Credit Card Payments.
Assist members with the transfer program, payroll deductions, direct deposit, stop payments, SuperCheck and credit card inquiries.
Promote the credit union by cross-selling products and services focusing on department goals and member needs.
Handle member inquiries and solves problems.
Other duties may be required and assigned by the supervisor.
Comply with all published enterprise level policies and procedures including, but not limited to, Risk Management policies.
Complete all required, ongoing enterprise level training including, but not limited to BSA, OFAC, and Information Security.
Report all Risk Management Policy violations in accordance with policy.
EXPECTATIONS:
Meet Contact Center service quality standards. Consistently give quality service to external and internal members. Treat members courteously and professionally while handling their requests promptly and accurately.
Evaluate members' needs and make recommendations that will help them achieve their financial goals.
Consistently meet or exceed monthly cross-selling, quality, and time management goals.
Build relationships with credit union members and team members.
Contribute towards individual, team, & department goals while promoting team spirit.
Give feedback to the Managers and Supervisors about department and team goals and incentives.
Attend training sessions as directed by Manager or Supervisor to keep skills current.
Keep all member and credit union business confidential.
JOB QUALIFICATIONS:
Knowledge: Credit union or banking industry knowledge preferred.
Skills:
Must be able to operate a computer and other office equipment.
Must be skillful when working with details such as numbers and names.
Must have the ability to effectively communicate with members both verbally and in writing.
Must be able to work in a stressful environment while being flexible.
Must have the ability to consistently provide excellent service.
Minimum Education and Experience:
High school degree with additional business courses preferred.
Prior experience in a busy public contact position at a credit union, financial institution, or a retail outfit.
Must have experience with computers.
Must have experience in handling member requests and inquiries.
Contact center experienced preferred.
PHYSICAL REQUIREMENTS:
Ability to sit for long periods of time. Infrequent lifting or carrying of objects up to 10 pounds.
Ability to speak and hear clearly with reasonable accommodation.
Auto-ApplyContact Center Engagement Advisor I/II (Outbound)
Apple Federal Credit Union job in Fairfax, VA
Why Join Apple?
At Apple Fede ral Credit Union, we're more than a financial institution; we're a community-focused organization powered by passionate people. With 24 branches across Northern Virginia and a proud legacy of service, we're committed to improving the lives of our members and the communities we serve.
We believe our employees are our greatest asset. That's why we foster a supportive workplace culture that values inclusiveness, innovation and growth. Whether you're just starting out or advancing your career, you'll find opportunities for professional development, mentorship and meaningful impact.
Why Work at Apple FCU
Recognized as a USA Top Workplace (2025) and Top Workplace by The Washington Post (2024)
Collaborative, welcoming environment with forward-thinking leadership
Competitive, comprehensive benefits package, including:
Medical, dental and vision coverage
401(k) with employer match
Paid time off and 11 paid federal holidays
Paid volunteer time to give back
Tuition reimbursement and ongoing training opportunities
Annual TEAM Bonus plan
Role:
Operates under general supervision and established policies and procedures to serve as a trusted sales and service ambassador, assisting Credit Union members and non-members through call efforts and video appointments pertaining to consumer loan applications. Acts as a trusted advisor by offering Apple products and services that meet members' financial needs. Answers questions concerning services provided by the credit union from members and staff. Completes all necessary paperwork to set up new loans, products, and services including processing loan applications. Achieves and strives to exceed sales targets. Must possess excellent interpersonal communication skills and the ability to represent the credit union in a courteous, professional manner. Performs duties and responsibilities in accordance with The Apple Way principles: Team Up, Serve With Purpose, Challenge Yourself, and Own It. Remains cognizant of and adheres to credit union policies and procedures, and regulations pertaining to the Bank Secrecy Act. Performs other sales, service, and lending support-related duties as assigned by the Supervisor of the Contact Center Engagement Outbound team.
Essential Functions & Responsibilities:
Working as part of the Contact Center Engagement team, receiving phone calls from members wanting to apply for a loan, or have questions regarding an existing loan. Acts as a trusted lending advisor and utilizes AWIS principles in all interactions with members and potential members. Establishes and develops member relationships through telephone communications and maintains the members' best interests. Qualifies members for appropriate products and services. Seeks to close sales of lending products and services that are beneficial to both the member and the Credit Union in accordance with sales expectations and goals. Achieves daily, weekly, monthly, and other call and sales goals.
Processes member loans, membership applications and credit reviews by phone and video: Interviews and qualifies loan applicants, reviews credit bureau reports, prepares all loan documentation, and inputs information into computer. Explains all documentation and procedures accurately to our members. Follows-up with members as appropriate. Assists members with opening and closing accounts, as well as notifying members of denied loan requests. While maintaining a positive member experience, focusing on overall member satisfaction and company net promoter score.
Working with other lending support areas of the company, assisting members with basic loan servicing questions and needs. Submitting helpdesk tickets, completing forms and paperwork, and advising members on servicing needs.
Prepares analytical reports in MS Excel for management summarizing leads, and applications, generated through the member contact activities. Effectively communicates results and concerns with supervisor through one-on-one meetings.
Remains cognizant of any updates regarding lending and basic loan servicing knowledge. Attends Credit Union required lending trainings, in addition to Contact Center Engagement refreshers and trainings.
Knowledge and Skills:
Experience
Minimum two years financial institution and/or call center experience preferred. Previous lending, or member/customer service experience preferred. Previous sales experience strongly preferred.
Education
High School diploma or equivalent required (GED).
Interpersonal Skills
Must show strong initiative and be able to communicate effectively in person, over the phone, and in writing, have excellent interpersonal skills, and strong attention to detail.
Other Skills
Must be comfortable with working with members over the phone as a primary responsibility. Must have experience reading and interpreting consumer credit reports and have proven analytical ability to determine member financial condition. Most be comfortable with working with members over the phone.
Physical Requirements
The ability to lift 25lbs and utilize standard office equipment including, but not limited to, PC, fax, copier, telephone, etc.
Work Environment
Ability to function in a financial institution environment.
***Apple Federal Credit Union values, encourages, and implements diversity in the workplace.
As an equal opportunity employer, Apple Federal Credit Union does not discriminate in employment with regard to race, color, religion, national origin, citizenship status, ancestry, age, sex (including sexual harassment), sexual orientation, marital status, physical or mental disability, military status or unfavorable discharge from military service or any other characteristic protected by law.
All selected candidates will be subject to credit and background checks to determine employment eligibility***
Auto-ApplyVP of Internal Audit
Apple Federal Credit Union job in Fairfax, VA
Why Join Apple?
At Apple Federal Credit Union, we're more than a financial institution; we're a community-focused organization powered by passionate people. With 24 branches across Northern Virginia and a proud legacy of service, we're committed to improving the lives of our members and the communities we serve.
We believe our employees are our greatest asset. That's why we foster a supportive workplace culture that values inclusiveness, innovation and growth. Whether you're just starting out or advancing your career, you'll find opportunities for professional development, mentorship and meaningful impact.
Why Work at Apple FCU
Recognized as a USA Top Workplace (2025) and Top Workplace by The Washington Post (2024)
Collaborative, welcoming environment with forward-thinking leadership
Competitive, comprehensive benefits package, including:
Medical, dental and vision coverage
401(k) with employer match
Paid time off and 11 paid federal holidays
Paid volunteer time to give back
Tuition reimbursement and ongoing training opportunities
Annual TEAM Bonus plan.
Role:
Under general supervision, the VP of Internal Audit is responsible for supervising and coordinating internal audits designed to protect the assets of Apple Federal Credit Union. The Internal Audit Department measures and evaluates the effectiveness of organizational controls and verifies operations are in compliance with federal regulations as well as credit union policies and procedures. The VP of Internal Audit oversees the Compliance and Internal Auditors, who are responsible for verifying operations are in compliance with federal regulations as well as credit union policies and procedures. Performs duties and responsibilities in accordance with The Apple Way principles, of Team Up, Serve with Purpose, Challenge Yourself and Own It. Remains cognizant of and adheres to credit union policies and procedures, and regulations pertaining to the Bank Secrecy Act. Performs other duties as assigned by the CFO.
Essential Functions & Responsibilities:
Develops and implements the annual audit plan. Ensures that audit programs include testing of compliance with laws and regulations and credit union policies and procedures.
Assigns and supervises audits/projects to evaluate the design and operating effectiveness of systems and controls which protect the assets of Apple FCU. Manages audit projects to make certain the level of performance consistently meets or exceeds agreed upon expectations.
Ensures audit work papers are completed and safeguarded and communicates the results to the appropriate members of management and the Supervisory Committee.
Reports to the Supervisory Committee on a quarterly basis to assist in their mandate to evaluate the adequacy and effectiveness of internal control and raise the level of quality of the credit union. Also reports quarterly on the Enterprise Risk Management program to inform the committee on existing and potential risks and mitigations.
Supervises the work of department staff; provides ongoing coaching and timely performance feedback, sets goals and institutes development plans, completes timely performance appraisals, takes corrective actions when appropriate, and monitors progress towards the completion of goals and development plans.
Partners and consults with management by identifying opportunities to mitigate risks in major business process segments and workflows.
Contributes to the growth of Apple FCU by making appropriate recommendations designed to safeguard assets and decrease the risk of loss. Improves efficiency by reviewing new functions, systems, or products being implemented in the credit union and makes appropriate recommendations for internal controls.
Interfaces with NCUA Examiners and other Independent Auditors to share information concerning internal audits performed at the credit union.
Remains current on new audit and investigative techniques and ideas by attending training classes and professional meetings and reading professional periodicals. Maintains professional licenses by ensuring annual CPE requirements are met.
Monitors changes to applicable federal regulations and adjusts audit plans to ensure that testing incorporates all changes including but not limited to the NCUA, Federal Reserve, NACHA, HUD, Department of Treasury, GAAP, and FinCEN.
Experience:
Minimum eight years financial institution experience. Minimum five years supervisory experience of management level/professional staff. Minimum two years recent regulatory compliance experience is preferred.
Education:
BA/BS in Accounting, Business, or Finance. Master's degree in Accounting, Business, Finance, or related field strongly preferred. CPA designation required. CISA designation preferred. Compliance certification is a plus.
Other Skills:
Excellent written skills. Needs the ability to work independently and must maintain confidentiality regarding audit function. Able to handle multiple tasks simultaneously and change priorities in an efficient manner. Must be PC proficient (preferable MS Office Suite).
*** Apple Federal Credit Union values, encourages, and implements diversity in the workplace.
As an equal opportunity employer, Apple Federal Credit Union does not discriminate in employment with regard to race, color, religion, national origin, citizenship status, ancestry, age, sex (including sexual harassment), sexual orientation, marital status, physical or mental disability, military status or unfavorable discharge from military service or any other characteristic protected by law.
All selected candidates will be subject to credit and background checks to determine employment eligibility. ***
Auto-ApplyCollections Specialist
Herndon, VA job
The Collections Team oversee's the critical and time-sensitive effort of settling delinquent loans or negative accounts while helping the credit union mitigate financial losses. In the role as a Collections Specialist, team members recover past due payments on auto loans, credit cards, signature loans, lines of credit and negative savings accounts. This role also includes the ability to be able to negotiate with members as well as work to find alternative payment solutions in order to keep delinquency low in order to mitigate loss.
Responsibilities
* Manage collection efforts on delinquent employee and member accounts and maintain acceptable delinquency rates
* Communicate with members regarding past due accounts via telephone and/or written correspondence
* Utilize skip tracing tools and techniques such as credit reports, software applications, and web-based searches
* Ensure compliance with all federal and state regulations as it pertains to collections, loss mitigation and default processing
* Negotiate acceptable payment arrangements
* Research and resolve discrepancies
* Handle a high volume of incoming and outgoing calls on a daily basis
* Recommend accounts for charge off
* Escalate accounts to management when the member is unwilling or unable to pay when necessary
* Performs other related duties as assigned
* Remains cognizant of and adheres to NWFCU polices and procedures as well as regulations pertaining to the Bank Secrecy Act (BSA)
#NWFCU1
Qualifications
* High school diploma or equivalent
* Minimum 1 year of collections, banking, call center or customer service experience
* Ability to work flexible hours based on business needs: Monday - Friday 8AM-4:30PM
* Includes a rotational shift once every 5 weeks of Saturday 9AM-1PM and a 10:30AM-7PM shift during the week
* Ability to work effectively on-site in our Herndon, VA headquarters and equally effectively remotely
* Experience working in a financial institution in a branch, call center, or retail environment may be substituted for collections experience
* Ability to use standard office equipment and systems; working knowledge of Microsoft Office products, especially Word and Excel
* Effective oral and written communication skills
* Ability to review and analyze or interpret data and documentation and to make decisions regarding subsequent actions
* Working knowledge of FDCPA (Fair Debt Collection Practices Act) and TCPA (Telephone Consumer Protection Act)
* Accuracy and detail orientation
* Effective negotiation skills
* Ability to think strategically
* Ability to maintain confidentiality
* Ability to interact effectively with all levels of the organization and with members
Additional Compensation
Northwest Federal offers a comprehensive and inclusive benefits program, which includes medical, dental and vision plans for you and your family, 4 weeks paid vacation, 12 paid holidays, 24 hours of paid volunteer time, parental leave, company paid disability and life insurance, and a generous 401(k) plan with up to 7% employer match.
EEO Notice
Northwest Federal Credit Union is an Equal Opportunity Employer and will consider all qualified applicants without regard to race, color, age, religion, sex, sexual orientation, gender identity, genetic information, national origin, disability, protected veteran status or any other classification protected by law.
NWFCU complies with federal and state disability laws and makes reasonable accommodations for applicants and employees with disabilities. If reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, and/or to receive other benefits and privileges of employment, please contact the Human Resources Department at ************ or **********************
Auto-Apply