BrightStar Credit Union jobs - 37 jobs

About BrightStar As a member of BrightStar Credit Union, you'll join a dynamic company culture and purpose-driven organization that focuses on its employees and members. We offer excellent benefits, advanced opportunities, and exceptional training. Founded in 1946 as a community-based credit union focusing on educators, we expanded to serve 23 counties across Florida. As a Trusted Advisor, BrightStar offers a diverse range of financial services and opportunities. BrightStar Credit Union is committed to creating a diverse and inclusive work environment where everyone has a chance to succeed and a sense of belonging. Our work environment is fun, fast-paced, and service-oriented. What we offer: Medical, Dental, and Vision 401K Plan with Matching Tuition Reimbursement Program Supplemental Benefits Engagement Area Wellness Studio & Gym Company Paid Life Insurance Health Savings Account with Company Contributions Essential Functions & Responsibilities Contact members by telephone and/or mail to identify and resolve repayment deficiencies, and establish proper loan and credit card repayment. Provide outstanding service to each internal and external member as defined by our Service Standards and Promises. Process post-charge-off, in-house collection activities Investigate misapplied payments and payroll deduction allocations. Performs other related duties as assigned. Maintain knowledge with B.S.A. Compliance training. Below is a breakdown of overall responsibilities: Contact members by telephone and/or mail to identify and resolve repayment deficiencies, and establish proper loan and credit card repayment. 45% Process post-charge-off, in-house collection activities 25% Investigate misapplied payments and payroll deduction allocations 15% Meeting Room Calendar Oversight 10% Other Duties as Assigned 5% Performance Measurements: Provide outstanding service to internal and external members as defined by our service standards and promises. Provide customer service regarding collections issues, process customer refunds, process and review account adjustments, and resolve client discrepancies and short payments. Monitors and maintains assigned accounts through customer calls, account adjustments, small balance write-offs, customer reconciliation, and processing credit memos. Accountable for reducing delinquency for assigned accounts. Follow up delinquent accounts, and update and maintain accurate financial records, including accounting, receivables, and credit records. To maintain accurate and complete records of all collection and recovery activity. To ensure that collection activity is both within credit union policy and all relevant regulations. To identify and inform management of potential underwriting problems. Minimum Expectations of Knowledge and Skills: Experience: One year to three years of similar or related experience. Education: A high school education or GED Interpersonal Skills: Courtesy, tact, and diplomacy are essential elements of the job. Work involves much personal contact with others inside and outside the organization for giving or obtaining information, building relationships, or soliciting cooperation. Interpersonal Skills: Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation. Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication. Other Skills: Must be able to hear and speak clearly in person, and by phone, Must have personal computer skills, Must be able to sit for long periods of time. Competencies: Communication Decision Making/Judgement Customer Service Job Knowledge Initiative Compliance: Employees must uphold the credit union's compliance with the Bank Secrecy Act and anti-money laundering policies and procedures. Specific functions with B.S.C.U. will consider the awareness of unusual or suspicious activity relevant to the department. In addition to any other assigned training courses, online B.S.A. and O.F.A.C. courses must be completed at least annually, as made available by the Training and Compliance Departments Maintains comprehensive knowledge of the Bank Secrecy Act, Customer Identification Program, U.S.A. Patriot Act, O.F.A.C., Fair Lending, and Credit Card Act. Physical Requirements: The physical demands described here represent those that an employee must meet to perform the essential functions of this job successfully. Reasonable accommodations may enable individuals with disabilities to perform essential functions. While performing the duties of this Job, the employee is regularly required to sit, use hands to finger, handle, or feel and talk or hear. The employee is frequently required to walk and reach with hands and arms. The employee may occasionally stand, stoop, kneel, or crouch. The employee may occasionally lift and move up to 10 pounds. Specific vision abilities required by this job include close vision, color vision, and the ability to adjust focus. Work Environment: The work environment characteristics described here represent those an employee encounters while performing this job's essential functions. Reasonable accommodations may enable individuals with disabilities to perform essential functions. BrightStar Credit Union is an Equal Opportunity Employer. BrightStar Credit Union is a Drug-Free Workplace

At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement--available to all full and part time employees. Part time positions start at a minimum of 30 hours per week. We encourage you to become a part of VyStar Credit Union's family of employees. Insurance Sales AssociateACCOUNTABILITY STATEMENT This Associate position presents a valuable opportunity to obtain licensure, gain knowledge in property and casualty insurance, enhance your skills, and further your career within the insurance industry. As an Associate, you will engage in study and preparation for the state insurance licensing examination. Upon obtaining your license, you will assist in generating Property & Casualty sales by supporting ongoing prospecting and lead generation efforts. You will learn to leverage branch networking and partnerships across VyStar Insurance Agency's diverse range of product offerings while ensuring insurance offerings comply with the requirements set by carriers, sales centers, and regulatory authorities. This position provides an opportunity to enhance your skills in driving sales transactions to contribute to the profitability of the VyStar Insurance Agency (VIA). ESSENTIAL RESPONSIBILITIES Sales and Business Development Assist in developing strategies to identify new internal and external sales opportunities. Help build and maintain relationships with VIA members and non-members. Support efforts to ensure customer satisfaction, promoting renewals and referrals. Learn to cross-sell and grow VIA's overall book of business through various product offerings. Consultative Service and Problem Solving Participate in assessing customer needs and delivering consultative services through supportive problem-solving. Utilize available resources to provide quality and tailored solutions in a timely manner. Gain skills in presenting product options that address the requirements of both members and non-members, including enhanced coverage alternatives. Sales Channels and Cross-Selling Identify opportunities to sell and cross-sell both personal and commercial insurance products under the guidance of experienced team members. Employ telephone, text, and email communication to assist in facilitating sales efforts. Provide timely and effective follow-up on inquiries from both members and non- members to help secure new business and maintain existing policies. Relationship Building Assist in providing comprehensive information to members and non-members about all VIA products and services. Learn to develop strong relationships that foster satisfaction, loyalty, and a connection to the VyStar brand. All employees and business units, as first line of defense, are expected to proactively help identify, assess, manage, and report risks within their domain of work. To enhance a healthy risk culture and support our growth for good pillar, employees will maintain vigilance in safeguarding our operations while ensuring compliance with regulatory mandates. The Risk team serves as the second line of defense by providing risk oversight and credible challenge whereas the Audit team serves as the third line of defense by providing risk assurance. Incumbent is expected to demonstrate each of the following VyStar Excellence behaviors in performing the duties and responsibilities of their job: Focus - Focus your full attention by carefully listening to and observing client or member. Connect - Consistently be friendly and approachable. Demonstrate your care. Understand - Listen empathetically and ask questions (70%/30% rule). Counsel - Recommend solutions based on your member's needs and objectives. Advance - Ensure that member's expectations were exceeded. Verify necessary follow-up actions. QUALIFICATIONS EDUCATION High school diploma or equivalent is required; pursuing a college degree is preferred. Computer Skills Basic proficiency in MS Office products (Outlook, Word, and Excel) and other related computer applications. Familiarity with Agency Management systems is a plus. CERTIFICATIONS Currently pursuing or holds an active State Property & Casualty license (2044 Personal Lines License preferred). EXPERIENCE Basic experience with personal lines; commercial experience is a plus. General knowledge of insurance operations, terminology, and objectives is advantageous. Commitment to continuous education to maintain any designations/certifications and insurance-related licenses. This support agent position offers an excellent opportunity to develop your skills and advance your career in the insurance industry through practical experience and guidance from experienced professionals. KNOWLEDGE, SKILLS & ABILITIES Sales-Oriented and Resilient: Demonstrate a willingness to learn about sales and develop the resilience to navigate objections while striving for success and growth. Problem-Solving Skills and Initiative: Cultivate strong problem-solving and decision-making skills while proactively addressing client needs with effective solutions. Self-Motivated and Accountable: Exhibit the ability to work independently, maintain professionalism, and take responsibility for achieving results. Proficient Communication and Telephone Etiquette: Develop advanced written and verbal communication skills to build rapport and engage positively with customers. Organizational Skills and Attention to Detail: Show flexibility while developing strong organizational skills and attention to detail, managing multiple tasks effectively. Technologically Proficient and Knowledgeable: Gain a foundational understanding of the insurance industry, including processes and workflow procedures. Be open to learning new technology, quoting platforms, and CRM tools. DISCLAIMERS AND WORK ENVIRONMENT Nothing in this position description is an implied contract for employment. The position description is intended to be an accurate account of the essential functions. The functions are not all encompassing and are subject to change at any time by management. The work environment characteristics described are representative of those that 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. As required or requested, may exert up to 20 pounds of force occasionally and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects. VyStar Credit Union is not seeking outside assistance or accepting unsolicited resumes from staffing agencies or search firms for employment or contractor opportunities. Any resumes submitted by an outside vendor to any employee at VyStar via e-mail, internet, or directly to hiring managers without a valid written search agreement with the Talent Acquisition / HR department will be deemed the sole property of VyStar Credit Union. No placement fee will be paid if a candidate is hired as a result of the referral, or through other means. Thank you for your inquiry regarding our current job opening. Your resume will be carefully reviewed against the position requirements. Should your experience and skills match, you will be contacted by one of our Human Resources department staff members. Thank you again for your interest in this position! VyStar Credit Union Human Resources

Financial Freedom Happens Here - and it starts with YOU. At FAIRWINDS Credit Union, we're more than a workplace; we're a team on a mission. Join the credit union nationally endorsed by The Dave Ramsey Show, where every day is a step toward financial freedom - for our members and for you. We are seeking a Desktop Technician that will serve as a primary point of contact for end-users, delivering high-quality support and maintenance across FAIRWINDS desktop computing environment. The FAIRWINDS Desktop Support Team partners closely with the IT Help Desk to provide both on-site and remote support for thousands of client-side systems, peripherals, and applications across more than 30 locations throughout Central Florida. In this role, you will diagnose and resolve technical issues in a timely and accurate manner through in-person, phone, and email interactions, while providing hands-on assistance to support branch operations, office environments, and technology deployments. Your Role in Our Mission: Provide 1st and 2nd tier technical support to FAIRWINDS crewmembers requiring assistance with IT resources Install, configure, relocate, and support computers, phones, printers, scanners, A/V equipment, mobile devices, and other end-user technology Perform on-site setup and breakdown of workstations, equipment, and technology spaces, including mounting, securing, and positioning devices as needed Support branch openings, renovations, relocations, and special projects that require physical installation, equipment movement, and coordination with facilities and vendors Troubleshoot hardware, software, and connectivity issues using strong analytical and problem-solving skills Educate and train end-users on the effective use of client-side IT infrastructure and supported applications Learn new systems, tools, and technologies to continuously expand technical knowledge and capabilities Provide after-hours or weekend support as needed for system upgrades, branch projects, and maintenance activities Participate in an on-call rotation (approximately once every 7 weeks), assisting IT Operations and Infrastructure teams with monitoring critical systems and escalating issues internally or to vendors as necessary What Makes You a Great Fit: Minimum of two (2) years of recent experience building, deploying, supporting, and troubleshooting computer systems and related peripherals Experience performing hands-on technical work in office or branch environments, including equipment installation and relocation Valid driver's license and ability to travel between locations as needed Familiarity with ticketing systems such as JIRA Service Desk, ServiceNow, or equivalent platforms Experience working in enterprise environments with system imaging and configuration management tools such as Microsoft Configuration Manager (SCCM), Intune, Active Directory, or Azure AD/Entra ID Strong working knowledge of desktop hardware, peripherals, and end-user devices Experience supporting audio/visual equipment is preferred mac OS and iOS experience is a plus CompTIA A+, CompTIA Network+, or Microsoft 365 certification preferred Required to obtain CompTIA A+ certification within one year of employment A Culture of Care and Reward: You give your best, and we give back with a comprehensive and meaningful rewards package: Enjoy 11 paid holidays and generous paid time off to recharge and reset Build your future with a 6% 401(k) match Receive a $700 annual contribution to your Health Savings Account Access our comprehensive maternity leave program to support growing families Stay covered with medical, dental, vision, disability, and life insurance Grow your career through leadership development, tuition assistance, and advancement opportunities Earn rewards for financial wellness through our Debt Free Club and Dave Ramsey's SmartDollar program Thrive in a purpose-driven, people-first culture where your impact matters This is more than your next job. It's your next step in changing lives; starting with your own! About FAIRWINDS Credit Union At FAIRWINDS Credit Union, Financial Freedom Happens Here. Headquartered in Orlando and proudly serving members for over 70 years, our mission - changing members' lives on the journey to Financial Freedom - drives everything we do, with a clear vision: Members financially free. Through The FAIRWINDS Way, we champion a culture of integrity, accountability, and teamwork, and we're nationally endorsed by The Dave Ramsey Show as a trusted provider of financial wellness. Recognized as one of Forbes' 2024 Best-in-State Credit Unions and one of Orlando Business Journal's Best Places to Work, FAIRWINDS is a top workplace where your purpose matters and your growth is supported every step of the way!

Financial Freedom Happens Here - and it starts with YOU. At FAIRWINDS Credit Union, we're more than a workplace; we're a team on a mission. Join the credit union nationally endorsed by The Dave Ramsey Show, where every day is a step toward financial freedom - for our members and for you. As a Senior Commercial Underwriter, you'll be the first step in helping our members live financially free! We are looking for a Senior Commercial Real Estate Underwriter estate to join the team at our downtown Orlando commercial banking division. This position is responsible for preparing complete and accurate credit analyses of new money loan opportunities for prospective and current members in a timely manner that meets or exceeds internal business partners' needs, client expectations, regulatory requirements, and leading industry practices. This position will start on-site and transition to hybrid (if desired) after initial training period. Your Role in Our Mission: Completes Credit Approval Memorandum Reviews and analyzes borrower financial data, including corporate statements and business tax returns to assess financial strength and stability. Reviews and analyzes personal financial information for guarantors including personal financial statements, tax returns, personal credit reports, real estate owned schedules, and liquidity statements to determine financial strength of guarantor. Works with the Lender to structure and obtain all necessary information to underwrite credit requests that serve the best interest of the Member and FAIRWINDS. Determines Member and Loan Risk Rating Prepares spreads of business and personal tax returns. Identifies opportunities for expanding the existing relationship Offer mentorship to junior underwriters and provide guidance and support as needed Assists Portfolio Managers with annual reviews and renewals as required. Ultimately accountable for protecting FAIRWINDS by providing an unbiased and objective view of the prospective borrower and loan opportunity by disclosing and mitigating all material risks in the credit approval memorandum Live and model The FAIRWINDS Way values in everything you do What Makes You a Great Fit: Bachelor's degree (B.A.), preferably in Accounting, Finance or Business or equivalent in specific work experience. Master's degree in related discipline or formal credit training preferred. Minimum four years of related experience in Commercial Financial Services, Banking, Credit Analysis, Loan Review or similar background preferred Experience with nCino, Sageworks, Moody's, and CoStar preferred. Must possess strong analytical skills with the ability to clearly communicate findings in both oral and written format. A strong desire to serve others and help them improve their financial lives. A Culture of Care and Reward: You give your best, and we give back with a comprehensive and meaningful rewards package: Enjoy 11 paid holidays and generous paid time off to recharge and reset Build your future with a 6% 401(k) match Receive a $700 annual contribution to your Health Savings Account Access our comprehensive maternity leave program to support growing families Stay covered with medical, dental, vision, disability, and life insurance Grow your career through leadership development, tuition assistance, and advancement opportunities Earn rewards for financial wellness through our Debt Free Club and Dave Ramsey's SmartDollar program Thrive in a purpose-driven, people-first culture where your impact matters This is more than your next job. It's your next step in changing lives; starting with your own! About FAIRWINDS Credit Union At FAIRWINDS Credit Union, Financial Freedom Happens Here. Headquartered in Orlando and proudly serving members for over 70 years, our mission - changing members' lives on the journey to Financial Freedom - drives everything we do, with a clear vision: Members financially free. Through The FAIRWINDS Way, we champion a culture of integrity, accountability, and teamwork, and we're nationally endorsed by The Dave Ramsey Show as a trusted provider of financial wellness. Recognized as one of Forbes' 2024 Best-in-State Credit Unions and one of Orlando Business Journal's Best Places to Work, FAIRWINDS is a top workplace where your purpose matters and your growth is supported every step of the way!

At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement--available to all full and part time employees. Part time positions start at a minimum of 30 hours per week. We encourage you to become a part of VyStar Credit Union's family of employees. Profitability and Efficiency Improvement ManagerACCOUNTABILITY STATEMENT The incumbent will be a part of the Finance Team and assist the Senior Vice President of Financial Projects, M&A and Investor Relations and Assistant Vice President, Financial Performance in carrying out the broader company mission and will assist with building out various views of Profitability and manage efficiency improvement in addition to other financial projects, at the discretion of the SVP, Financial Projects, M&A and Investor Relations and Assistant Vice President, Financial Performance. This involves all matters of profitability and efficiency for business units, products and members, scorecard/ dashboards (profitability and efficiency reporting), related consulting engagements, and longer-term planning exercises including tracking and reporting on profitability, efficiency and variances. These duties require building and maintaining models utilizing various business intelligence tools. Under the direction of the SVP, Financial Projects, M&A and Investor Relations and Assistant Vice President, Financial Performance, this position provides leadership and oversight to financial projects including but not limited to profitability and efficiency initiatives. ESSENTIAL RESPONSIBILITIES Analyze financial and operational results to better understand company performance including evaluating whether the company's assets and investments are the best use of the company's capital by looking at return on investment (ROI) and comparisons with other ways the company might utilize its cash flow. Communicate results and recommendations to senior management for improvements that will lead to cost reduction, revenue generation and streamlined operations. Work with large volumes of data including within models as needed to detect trends and isolate essential relevant information for sound decision making and development of long and short-term financial strategies. Build concise, visually appealing, and easy to understand presentations for C-Suite and Board of Director audiences using graphics, charts, and relevant images to enhance overall impact. Take initiative in supporting changes needed to improve profitability and efficiency related to impacts from ongoing and strategic initiatives such as M&A and new business/projects. Provide insights to senior management around financial modelling, forecasts, efficiencies, and profitability to actualize business goals. Gauge the company's overall financial health by using key financial ratios such as the Efficiency Ratio, OpEx/Average Assets, Net Worth Ratio, Loan to Deposit Ratio, Net Interest Margin, Return on Assets, and others. Develop, communicate, and execute a vision for meeting business needs via dashboards and/or data visualizations and democratizing the data asset; vision must identify and create the ability for our business to make decisions. Managing, creating, and maintaining dashboard environment including visual and performance standards. Compare intended outcomes with actual outcomes and adapt approach and framework appropriately and in line with changes. Participate in continuous personal and department performance improvement activities. Manages the interaction with key stakeholders and business units to discuss, establish, review, and maintain efficiencies and profitability. Develops, manages, and actively manages improvements in efficiency and profitability reporting including ratios and summary analysis. Profitability reporting includes but is not limited to branches/ regions, lines of business, products, and member segments. Serve as a key liaison to explain to the various stakeholders the methodology and results of profitability analysis output including Funds Transfer Pricing, Capital Allocations, Revenue allocation, and Expense allocation methodologies. Responsible for tracking ROI on M&A projects. Track the financial returns, profitability, and production of acquired institutions. Manages and facilitates decision-making regarding expenditures, focusing on those not included in the Annual Operating Plan (AOP). Identifies and explains efficiency and profitability variances through key relationships with stakeholders. Assist in streamlining and automating processes to reduce operational risks. Analyze the trends of Key Performance Indicators (KPIs) and identify the cause of any unexpected variances. Extract relevant peer metrics as needed for comparative purposes. Ad-hoc business performance reporting. All employees and business units, as first line of defense, are expected to proactively help identify, assess, manage, and report risks within their domain of work. To enhance a healthy risk culture and support our growth for good pillar, employees will maintain vigilance in safeguarding our operations while ensuring compliance with regulatory mandates. The Risk team serves as the second line of defense by providing risk oversight and credible challenge whereas the Audit team serves as the third line of defense by providing risk assurance. Incumbent is expected to demonstrate each of the following VyStar Excellence behaviors in performing the duties and responsibilities of their job: Focus - Focus your full attention by carefully listening to and observing client or member. Connect - Consistently be friendly and approachable. Demonstrate your care. Understand - Listen empathetically and ask questions (70%/30% rule). Counsel - Recommend solutions based on your member's needs and objectives. Advance - Ensure that member's expectations were exceeded. Verify necessary follow-up actions. EDUCATION & EXPERIENCE Required: Bachelor's degree in Finance, Accounting, Economics, or related area 5-7+ years of related experience Preferred: Master's degree in Finance or Business (or equivalent combination of education and significant relevant experience) 5+ years of functional experience with budgeting, profitability, and data mining activities and/or 5+ years of experience in statistical/ quantitative analysis tools such as SQL, Power Bi, or other tools 5+ years of experience in Financial Analytics/ modeling using Excel, or other budgeting, forecasting or profitability software systems. Knowledge of financial institutions products and services Proficiency in data analytics KNOWLEDGE, SKILLS & ABILITIES Avid and positive team player that will work well across multi-disciplined organization. Ability to work with both finance and non-finance professionals. Able to alter presentations based on audience understanding some presentations will be more general with others intended for those with strong financial backgrounds (Executive Team) Strong analytical capabilities with knowledge of accounting/ financial reporting and financial modeling Understanding of business metrics Strong research, communication, interpersonal, and presentation skills Ability to work with and analyze large volumes of data. Ability to work independently and is a self-starter. Exhibits flexibility and willingness to take on new responsibilities and assignments. Advanced Excel, PowerPoint, and Word skills Must be highly motivated and organized including the ability to multi-task and manage unstructured tasks within specific guidelines and time constraints. Must possess strong verbal and written communication skills. Ability to coach and mentor junior analysts. DISCLAIMERS AND WORK ENVIRONMENT Nothing in this position description is an implied contract for employment. The position description is intended to be an accurate account of the essential functions. The functions are not all encompassing and are subject to change at any time by management. The work environment characteristics described are representative of those that an employee encounter while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. As required or requested, may exert up to 20 pounds of force occasionally and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects. VyStar Credit Union is not seeking outside assistance or accepting unsolicited resumes from staffing agencies or search firms for employment or contractor opportunities. Any resumes submitted by an outside vendor to any employee at VyStar via e-mail, internet, or directly to hiring managers without a valid written search agreement with the Talent Acquisition / HR department will be deemed the sole property of VyStar Credit Union. No placement fee will be paid if a candidate is hired as a result of the referral, or through other means. Thank you for your inquiry regarding our current job opening. Your resume will be carefully reviewed against the position requirements. Should your experience and skills match, you will be contacted by one of our Human Resources department staff members. Thank you again for your interest in this position! VyStar Credit Union Human Resources

At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement--available to all full and part time employees. Part time positions start at a minimum of 30 hours per week. We encourage you to become a part of VyStar Credit Union's family of employees. Mortgage Loan OfficerACCOUNTABILITY STATEMENT The incumbent is responsible for originating residential first mortgage and equity loans and participates in related business development activities. The incumbent ensures that members receive quality mortgage loan origination servicing in accordance with VyStar mortgage lending policies, practices and procedures. The incumbent counsels members and obtains the information needed to evaluate credit applications. ESSENTIAL JOB FUNCTIONS Originates residential mortgage loans and solicits residential first mortgages and equity loans through contacts with realtors, builders, developers and personal referrals. Provide quality service to members and potential members seeking residential mortgage loans. Interview applicants to develop information concerning their financial needs, desires and earnings to assist in determining whether the loan will be an acceptable credit risk. Obtain and analyze pertinent financial and credit data. Enters data into the point of sale origination software to complete the loan application. Discusses application with member, counsels and answers member questions concerning mortgage loan programs. Requests any additional information required to complete the loan application package prior to submission for processing. Generally provides the required three day disclosures along with other pertinent mortgage disclosures to the member electronically however, may be required to provide them in paper form should the member decline to accept them electronically. Maintain communication with processor regarding progress of each mortgage loan file and communicate status and information to member. Acts as main point of contact for information and guidance for member. Documents communication with the member and/or other interested parties in the loan transaction in the mortgage origination software application. Assists the assigned mortgage loan processor and closer to obtain documentation to ensure a smooth mortgage loan process. Proactively communicates status of loan throughout the loan process. Makes a concerted effort to attend the mortgage loan closing with the member. Reviews monthly production reports with the Mortgage Loan Officer Managerto ensure goals are being met. Cross sells other credit union services. Incumbent is expected to demonstrate each of the following VyStar Excellence behaviors and to provide support and feedback to employees assigned to the processing unit to consistently practice and demonstrate. Consistently adheres to VyStar core values and Code of Ethics and acts in accordance with corporate defined values and ethics. Consistently demonstrates VyStar Excellence with providing service to the membership, credit union employees, and third party vendors. Responsible for understanding mortgage department goals as well as Credit Union goals and pro-actively works toward attainment of those goals. Identify and make recommendations to department Mortgage Origination Management regarding process improvements, quality service and increased efficiencies within the department. Performs other duties as assigned. All employees and business units, as first line of defense, are expected to proactively help identify, assess, manage, and report risks within their domain of work. To enhance a healthy risk culture and support our growth for good pillar, employees will maintain vigilance in safeguarding our operations while ensuring compliance with regulatory mandates. The Risk team serves as the second line of defense by providing risk oversight and credible challenge whereas the Audit team serves as the third line of defense by providing risk assurance. Incumbent is expected to demonstrate each of the following VyStar Excellence behaviors in performing the duties and responsibilities of their job: • Focus Focus your full attention by carefully listening to and observing client or member. • Connect Consistently be friendly and approachable. Demonstrate your care. • Understand Listen empathetically and ask questions (70%/30% rule). • Counsel Recommend solutions based on your member's needs and objectives. • Advance Ensure that member's expectations were exceeded. Verify necessary follow-up actions. KNOWLEDGE, SKILLS & ABILITIES The incumbent must have a minimum of two years prior experience in the mortgage industry preferably as a mortgage loan officer or mortgage loan interviewer in a direct member contact capacity with a financial or mortgage lending institution. Incumbent should have a proven production and proven track record in heavy customer contact. Must be self-disciplined and goal oriented worker with a demonstrated ability to work independently. Superior communication skills are required. Equipment to be used in the daily performance of job duties include mortgage payment calculator, PC, and copy machine is required. Must be able to work independently on a very professional level. Familiarity with conventional, VA, FHA, and equity loan financing as well as the knowledge of all regulations governing mortgage lending is required. Must be well versed in private mortgage insurance and secondary market lending guidelines. Assuming the above prior experience, an incumbent selected for this position should be fully functional and producing consistently in this position within six months. EDUCATION The minimum formal education required is a high school diploma or its equivalent, however a two-year college degree or higher is preferred. The employee must meet and maintain all the requirements as a registered mortgage loan originator employed by a Federally regulated Institution with the Nationwide Mortgage Licensing System and Registry (NMLS). The employee must comply with all provisions of the Act as defined in the Secure and Fair Enforcement of Mortgage Licensing Act of 2008 (S.A.F.E. Act) and credit union S.A.F.E. Act Procedures. The successful candidate for this job must have excellent communication skills and should have the ability to interface effectively with members, realtors, builders and potential clients to ensure smooth work flow and provide efficient service to members while staying abreast of changing policies and procedures. Continuing education via local conferences and workshops and membership in affiliated mortgage banking associations should be established as time and resources allow for updates on federal regulations and secondary market requirements. DISCLAIMERS AND WORK ENVIRONMENT Nothing in this position description is an implied contract for employment. The functions are not all encompassing and are subject to change at any time by management. The work environment characteristics described here are representative of those that 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. As required or requested, may exert up to 20 pounds of force occasionally and/or negligible amount of force constantly to lift, carry, push, pull, or otherwise move objects. VyStar Credit Union is not seeking outside assistance or accepting unsolicited resumes from staffing agencies or search firms for employment or contractor opportunities. Any resumes submitted by an outside vendor to any employee at VyStar via e-mail, internet, or directly to hiring managers without a valid written search agreement with the Talent Acquisition / HR department will be deemed the sole property of VyStar Credit Union. No placement fee will be paid if a candidate is hired as a result of the referral, or through other means. Thank you for your inquiry regarding our current job opening. Your resume will be carefully reviewed against the position requirements. Should your experience and skills match, you will be contacted by one of our Human Resources department staff members. Thank you again for your interest in this position! VyStar Credit Union Human Resources

At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement--available to all full and part time employees. Part time positions start at a minimum of 30 hours per week. We encourage you to become a part of VyStar Credit Union's family of employees. Insurance Sales AgentACCOUNTABILITY STATEMENT Responsible for generating Property & Casualty sales through ongoing prospecting and lead generation, leveraging branch networking and partnerships across our diverse range of product offerings. Ensures that insurance offerings adhere to the requirements set forth by carriers, sales centers, and regulatory authorities at the state level. Effectively drive sales transactions to enhance the profitability of VyStar Insurance Agency (VIA). Develops and maintains external networking relationships with: • Realtors • Mortgage brokers • Title Agencies • Apartment Complexes • Builders ESSENTIAL RESPONSIBILITIES Sales and Business Development Develops strategies to generate new internal and external sales opportunities. Builds and maintains relationships with VIA members and non-members. Ensures satisfaction to promote renewals and referrals. Cross-sell to grows VIA's overall book of business through diverse product offerings. Consultative Service and Problem Solving Conducts a thorough assessment of needs and delivers consultative services through proactive problem-solving. Utilizes resources proactively to provide quality and tailored solutions in a timely manner. Presents product options to address the requirements of both members and non-members, including enhanced coverage alternatives. Sales Channels and Cross-Selling Identifies and capitalizes on opportunities to sell and cross-sell both personal and commercial insurance products. Employs telephone, text, and email communication to facilitate sales efforts. Provides prompt and effective follow-up on inquiries from both members and non-members to secure new business and maintain existing policies. Relationship Building Provides comprehensive information to members and non-members regarding all VIA products and services. Develops strong relationships that are essential for fostering satisfaction, loyalty, and a connection to the VyStar brand. All employees and business units, as first line of defense, are expected to proactively help identify, assess, manage, and report risks within their domain of work. To enhance a healthy risk culture and support our growth for good pillar, employees will maintain vigilance in safeguarding our operations while ensuring compliance with regulatory mandates. The Risk team serves as the second line of defense by providing risk oversight and credible challenge whereas the Audit team serves as the third line of defense by providing risk assurance. Incumbent is expected to demonstrate each of the following VyStar Excellence behaviors in performing the duties and responsibilities of their job: Focus - Focus your full attention by carefully listening to and observing client or member. Connect - Consistently be friendly and approachable. Demonstrate your care. Understand - Listen empathetically and ask questions (70%/30% rule). Counsel - Recommend solutions based on your member's needs and objectives. Advance - Ensure that member's expectations were exceeded. Verify necessary follow-up actions. JOB QUALIFICATIONS EDUCATION High school diploma or equivalent with 1-2 years insurance experience. College degree preferred. EXPERIENCE Personal lines experienced required. Commercial experience is a plus. General knowledge of insurance departments, operations, terminology, and objectives. Continuing education hours to maintain Designations/Certifications and Insurance Related License. KNOWLEDGE, SKILLS, & ABILITIES Sales-Oriented and Resilient: Exhibits a strong aptitude for sales, demonstrating the resilience to navigate objections, exceed targets, and embody a competitive drive for success and growth. Problem-Solving Skills and Initiative: Demonstrates strong problem-solving and decision-making abilities while proactively addressing client needs with effective solutions. Self-Motivated and Accountable: Displays a proven ability to work independently, maintain confidentiality, demonstrate professionalism and competence, and take responsibility for achieving results. Proficient Communication and Telephone Etiquette: Possesses advanced written and verbal communication skills, enabling the building of rapport, positive and courteous interactions, and the delivery of exceptional customer service. Organizational Skills and Attention to Detail: Shows flexibility and possesses strong organizational skills, attention to detail, and the capability to manage multiple tasks while meeting established deadlines. Technologically Proficient and Knowledgeable: Holds a solid understanding of insurance industry, processes, and workflow procedures. Proficient in the use of technology, quoting platforms, and CRM tools. Computer Skills Proficiency in MS Office products (Outlook, Word, and Excel), internet, and other related computer applications. Preferred proficiency in Agency Management systems. Preferred Education & Experience Currently holds active State Property & Casualty licenses. Specifically, 2044 Personal lines license. 220 General Lines License preferred. Personal lines experienced required. Commercial experience is a plus. High school diploma or equivalent with 1-2 years insurance experience. College degree preferred. General knowledge of insurance departments, operations, terminology, and objectives. Continuing education hours to maintain Designations/Certifications and Insurance Related License. DISCLAIMERS AND WORK ENVIRONMENT Nothing in this position description is an implied contract for employment. The position description is intended to be an accurate account of the essential functions. The functions are not all encompassing and are subject to change at any time by management. The work environment characteristics described are representative of those that 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. As required or requested, may exert up to twenty pounds of force occasionally and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects. VyStar Credit Union is not seeking outside assistance or accepting unsolicited resumes from staffing agencies or search firms for employment or contractor opportunities. Any resumes submitted by an outside vendor to any employee at VyStar via e-mail, internet, or directly to hiring managers without a valid written search agreement with the Talent Acquisition / HR department will be deemed the sole property of VyStar Credit Union. No placement fee will be paid if a candidate is hired as a result of the referral, or through other means. Thank you for your inquiry regarding our current job opening. Your resume will be carefully reviewed against the position requirements. Should your experience and skills match, you will be contacted by one of our Human Resources department staff members. Thank you again for your interest in this position! VyStar Credit Union Human Resources

At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement--available to all full and part time employees. Part time positions start at a minimum of 30 hours per week. We encourage you to become a part of VyStar Credit Union's family of employees. Mortgage Servicing SupervisorACCOUNTABILITY STATEMENT Supervises the daily operations of the mortgage loan servicing staff tasked with the various processes associated with servicing first mortgages, equity loans, and mobile home loans to ensure loans are serviced in accordance with VyStar policies/procedures, secondary market requirements, private mortgage insurance company requirements, and state/federal regulations. Must demonstrate proficiency in federal and state regulations pertinent to all aspects of mortgage loan servicing activities. Staffs, trains, supervises evaluates and develops employees. ESSENTIAL JOB FUNCTIONS Supervises general mortgage servicing and mortgage document retention staff related functions consistent with VyStar Credit Union policies and procedures, secondary market guidelines, and state/federal regulations Monitors daily work assignments and timeliness of completion of same to ensure all production deadlines are adhered to. Schedules and assigns work to improve productivity as needed. Makes mortgage loan servicing decisions as authorized by policy and in conjunction with secondary market, private mortgage insurance and federal/state regulations. Ensures staff receives pertinent training to complete all job-related skills and soft skills to support employee growth and development. Completes and administers monthly benchmark review and on-on-one's timely for employee mentoring and coaching opportunities. Completes and administers annual evaluations for general mortgage servicing staff within credit union timelines. Handles escalated member calls related to mortgage servicing activities. Monitors inbound and outbound mortgage servicing calls for quality assurance. Reviews mortgage servicers queue productivity, follow-up exceptions, daily performance activity, employee attendance and punctuality. Monitors all servicing related reporting from the credit union core servicing system and customized reports to ensure they are worked in a complete, timely and accurate manner. Ensures reports are worked within mortgage management defined timelines and that any issues noted are addressed and resolved promptly. Works with servicing staff to ensure desktop and published credit union procedures reflect current practices and are periodically reviewed to guide employees on performing their daily tasks in a productive and efficient manner. Promotes technological enhancements that will allow the servicing related tasks and responsibilities to be completed in an accurate, timely and efficient manner. Promotes a positive and cohesive environment across all units operating within the Mortgage Servicing Department and throughout the credit union. Cross-sells other credit union services. Consistently adheres to VyStar core values and Code of Ethics and acts in accordance with those values. Performs the activities and projects as assigned and requested by the Mortgage Servicing Manager, and/or Vice President Mortgage Servicing. Assumes duties of Mortgage Loss Mitigation Supervisor and/or Mortgage Servicing Manager in the event of absence within the scope of authority assigned. Identify and make recommendations to Mortgage Servicing Manager and/or Vice President Mortgage Servicing regarding process improvements, quality service and increased efficiencies Performs other duties as assigned All employees and business units, as first line of defense, are expected to proactively help identify, assess, manage, and report risks within their domain of work. To enhance a healthy risk culture and support our growth for good pillar, employees will maintain vigilance in safeguarding our operations while ensuring compliance with regulatory mandates. The Risk team serves as the second line of defense by providing risk oversight and credible challenge whereas the Audit team serves as the third line of defense by providing risk assurance. Incumbent is expected to demonstrate each of the following VyStar Excellence behaviors and to provide support and feedback to employees assigned to the servicing unit to consistently practice and demonstrate VyStar Excellence behaviors in performing the duties and responsibilities of their position. Expected VyStar behaviors are defined as: Focus Focus your full attention by carefully listening to and observing your client or member. Connect Consistently be friendly and approachable demonstrate you care. Understand Listen empathetically and ask questions (70%/30%) Counsel Recommend solutions based on your client's or member's needs and objectives. Advance Ensure that member's expectations are exceeded. Verify follow-up action. QUALIFICATIONS EXPERIENCE Incumbent must have a minimum of six years experience in a financial or lending institution with direct member contact in mortgage servicing for conventional, equity, and mobile home loans. EDUCATION The minimum formal education required is completion of high school. Undergraduate and/or graduate degrees in management, business, finance or accounting are preferred but not required for this position. A minimum of two years experience in a leadership or supervisory position is required or attained level of Mortgage Servicer III. Specialized classes in mortgage servicing, accounting, economics or related fields are preferred. Continuing education via local conferences and workshops is required for updates on federal regulations and secondary market requirements. Must be knowledgeable of the state/federal regulations governing mortgage servicing. The incumbent must be well versed in secondary market servicing guidelines specific to the servicing of mortgage loans KNOWLEDGE, SKILLS, & ABILITIES Incumbent must have a minimum of six years experience in a financial or lending institution with direct member contact in mortgage servicing for conventional, equity, and mobile home loans. Incumbent must be well versed in servicing requirements for secondary market guidelines, private mortgage insurance company requirements, state/federal regulations and credit union policies/procedures related to mortgage loan servicing activities. Knowledge of federal and state regulations related to mortgage loan servicing such as Fair Credit Reporting Act, Escrow Regulations, Truth in Lending Act, Real Estate Settlement Procedures Act and Flood Regulations. Applicant must have positive, well-developed communication skills, both written and oral, be detail oriented, have good organizational and active listening skills, the ability to work in a fast-paced environment and proven ability to work with others. Proven ability to work under stress and in a heavy workload environment. Must have professional conduct and appearance and be self-motivated. Must work under the philosophy of “people helping people” and be able to communicate with members and legal council at all levels. Incumbent must demonstrate the qualities of a self-starter and one who follows through on all job duties. Must understand basic functions of a PC and be proficient in the use of a financial calculator and copier. Machines used in the performance of this position include PC, printer, multi-function equipment, phone equipment and building alarm system. Familiarity with the operation of building equipment and machines operated by the department employees is considered beneficial in problem solving. Demonstrated ability and working knowledge of all Microsoft Office applications is required DISCLAIMERS AND WORK ENVIRONMENT Nothing in this position description is an implied contract for employment. The position description is intended to be an accurate account of the essential functions. The functions are not all encompassing and are subject to change at any time by management. The work environment characteristics described are representative of those that 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. As required or requested, may exert up to 20 pounds of force occasionally and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects. VyStar Credit Union is not seeking outside assistance or accepting unsolicited resumes from staffing agencies or search firms for employment or contractor opportunities. Any resumes submitted by an outside vendor to any employee at VyStar via e-mail, internet, or directly to hiring managers without a valid written search agreement with the Talent Acquisition / HR department will be deemed the sole property of VyStar Credit Union. No placement fee will be paid if a candidate is hired as a result of the referral, or through other means. Thank you for your inquiry regarding our current job opening. Your resume will be carefully reviewed against the position requirements. Should your experience and skills match, you will be contacted by one of our Human Resources department staff members. Thank you again for your interest in this position! VyStar Credit Union Human Resources

Job Description About BrightStar: As a member of BrightStar Credit Union, you'll join a dynamic company culture and purpose-driven organization that focuses on its employees and members. We offer excellent benefits, advanced opportunities, and exceptional training. Founded in 1946 as a community-based credit union focusing on educators, we expanded to serve 23 counties across Florida. As a Trusted Advisor, BrightStar offers a diverse range of financial services and opportunities. BrightStar Credit Union is committed to creating a diverse and inclusive work environment where everyone has the opportunity to succeed and feel a sense of belonging. Our work environment is fun, fast-paced, and service-oriented. What we offer: Medical, Dental, and Vision 401K Plan with Matching Tuition Reimbursement Program Supplemental Benefits Engagement Area Wellness Studio & Gym Company Paid Life Insurance Health Savings Account with Company Contributions Essential Functions & Responsibilities: Actively seek ways to wow and impress members with excellent service; live BrightStar Credit Union's Service Mission and Service Promises. Lead and manage the creative marketing team, including the graphic /Web Designer, and creative oversight. Manage the development, Structure, writing, design, and coordination of various Credit Union printed and online publications, collateral, social media, website, and other marketing programs. Ensure that marketing programs are produced accurately and adhere to deadlines and budgets. Manage the implementation of marketing plans, campaigns, projects, and programs, including direct mail, advertisements, collateral, premium items, marketing emails, websites, community outreach, and business development. Coordinate with CU team members and outside vendors such as design firms, printers, mail houses, etc. Proof, copyright, edit, brainstorm ideas, get quotes, and manage various database marketing projects to completion. Conduct marketing research and testing. Represent the CU publicly in a professional manner. Maintain a strong understanding of all CU products and services, including their related benefits. Direct Member Outreach (Business Development) with events, establishing new partnerships, and other activities. Assists with other projects and performs other job-related duties as assigned. Maintain knowledge with B.S.A. Compliance training. Other job-related duties as assigned. Performance Measurements: Provides excellent service to members every time, lives by our service promises, wows members with exceptional service, and achieves service goals as measured by the internal service survey and other measurement tools Drives membership growth through effective campaigns, community partnerships, and outreach initiatives. Achieves effective execution of establishing and maintaining departmental Achieves annual and other periodic goals, projects, and tasks as expected. Participates in, supports, and develops various marketing plans and effectively implements them. Manages and coaches marketing staff to achieve objectives; effectively manages day‑to‑day marketing operations. Ensures that various credit union marketing programs are implemented in a quality, practical, timely, and cost‑effective manner. Ensures that marketing materials are accurate, grammatically correct, error‑free, legally compliant, persuasive, and engaging. Performs public speaking duties effectively and persuasively. Stays abreast of all CU products/services and related benefits. Plans and coordinates events and activities in a practical, organized manner. Keeps supervisor informed of key issues; works effectively with others in the Credit Union. Minimum Expectations of Knowledge and Skills: Experience - Five to eight years of similar or related experience. The ability to manage marketing and/or creative staff is required. The ability to manage multiple projects and deadlines, organize events, and manage marketing vendors is required. Experience in planning and implementing marketing strategies and activities is needed. Education: A Bachelor's Degree in Marketing, Communications, or a related field is required; experience commensurate with a college degree may be considered. Interpersonal Skills- The ability to speak effectively in one‑on‑one or in public/group settings is required. Making group presentations and opening new member accounts in the field are required. The ability to motivate or influence others is an integral part of the job. Obtaining cooperation with/from staff, co‑workers, vendors, clients, and members (internally and/or externally) is an integral part of the job. The ability to provide excellent service to internal and external members is required. Other Skills- Must have good communication skills, including written, verbal, and public speaking. The ability to write copy for marketing purposes and to proofread it is required, including attention to grammar, accuracy, content, effectiveness, and compliance. Analytical skills and attention to detail are required. The ability to analyze data, marketing projects, mailing lists, marketing timelines, and various reports is needed, along with organizational skills. Business Development and/or outside sales experience is a plus. Financial Services and/or Credit Union experience is a plus. Must present a professional image. Design skills, including the ability to provide graphic and web designers with instruction and feedback, plus hands-on knowledge of related software programs, including Adobe Creative Suite. Experience and knowledge of Microsoft Office and Outlook applications. Compliance: Every employee must ensure the credit union complies with the Bank Secrecy Act and anti-money laundering policies and procedures. Specific functions within B.S.C.U. will consider awareness of unusual or suspicious activity relevant to the department. In addition to any other assigned training courses, online B.S.A. and O.F.A.C. courses must be completed at least annually, as made available by the Training and Compliance Department. Maintains comprehensive knowledge of the Bank Secrecy Act, Customer Identification Program, U.S.A. Patriot Act, O.F.A.C., Fair Lending, and Credit Card Act. Physical Requirements: The physical demands described here represent those that an employee must meet to perform the essential functions of this job successfully. Reasonable accommodations may enable individuals with disabilities to perform basic functions. While performing the duties of this Job, the employee is regularly required to sit, use hands to finger, handle, or feel, and talk or hear. The employee is frequently required to walk and reach with hands and arms. The employee must occasionally stand, stoop, kneel, and crouch. The employee may occasionally lift and move up to 10 pounds. Specific vision abilities required by this job include close vision, color vision, and the ability to adjust focus. Work Environment: The work environment characteristics described here represent those an employee encounters while performing the essential functions of this job. Reasonable accommodations may enable individuals with disabilities to perform essential functions. BrightStar Credit Union is an Equal Opportunity Employer. BrightStar Credit Union is a Drug-Free Workplace

Financial Freedom Happens Here - and it starts with YOU. At FAIRWINDS Credit Union, we're more than a workplace; we're a team on a mission. Join the credit union nationally endorsed by The Dave Ramsey Show, where every day is a step toward financial freedom - for our members and for you. As a Member Service Specialist (Universal Banker) for our Winter Garden branch, you'll be the first step in helping our members live financially free! Your Role in Our Mission: Serve as the go-to resource for members by handling all teller and platform transactions accurately and efficiently. Open new accounts and recommend relevant products and services based on members' unique financial needs. Build trust and deepen relationships through consultative conversations that lead to long-term financial success for our members. Proactively refer solutions including deposit accounts, loans, investment and insurance products, and digital banking tools. Actively generate loan opportunities through inbound, outbound, and referral-based efforts. Deliver prompt support for service-related needs such as account maintenance and problem resolution. Promote and educate members on self-service tools including online banking, mobile apps, and ATMs. Serve as a keyholder when needed and support operational procedures including branch opening/closing and negotiable item custody. Maintain compliance with policies, procedures, and security protocols while supporting the branch team in achieving goals. What Makes You a Great Fit: Demonstrated success in a member-facing role. Strong knowledge of FAIRWINDS products, services, and digital platforms. You lead with care and know how to listen and respond to members' needs. Comfortable navigating both transactional and consultative responsibilities in a fast-paced environment. Confident in your ability to cross-sell, handle objections, and educate members. Proven track record of achieving individual and/or branch goals. Excellent communication, problem-solving, and organizational skills. Able to adapt quickly and take initiative to serve where you're most needed. A Culture of Care and Reward: You give your best, and we give back with a comprehensive and meaningful rewards package: Enjoy 11 paid holidays and generous paid time off to recharge and reset Build your future with a 6% 401(k) match Eligible for a $700 annual contribution to your Health Savings Account Access our comprehensive maternity leave program to support growing families Stay covered with medical, dental, vision, disability, and life insurance Grow your career through leadership development, tuition assistance, and advancement opportunities Earn rewards for financial wellness through our Debt Free Club and Dave Ramsey's SmartDollar program Thrive in a purpose-driven, people-first culture where your impact matters This is more than your next job. It's your next step in changing lives; starting with your own! About FAIRWINDS Credit Union At FAIRWINDS Credit Union, Financial Freedom Happens Here. Headquartered in Orlando and proudly serving members for over 70 years, our mission - changing members' lives on the journey to Financial Freedom - drives everything we do, with a clear vision: Members financially free. Through The FAIRWINDS Way, we champion a culture of integrity, accountability, and teamwork, and we're nationally endorsed by The Dave Ramsey Show as a trusted provider of financial wellness. Recognized as one of Forbes' 2024 Best-in-State Credit Unions and one of Orlando Business Journal's Best Places to Work, FAIRWINDS is a top workplace where your purpose matters and your growth is supported every step of the way! FAIRWINDS is an Equal Opportunity Employer.

At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement--available to all full and part time employees. Part time positions start at a minimum of 30 hours per week. We encourage you to become a part of VyStar Credit Union's family of employees. Business BankerACCOUNTABILITY STATEMENT The Business Banker position will develop, retain, and deepen business member relationships within an assigned geographic region while working closely with designated branches through prospecting, cross-selling, relationship management efforts, and excellent member service. The Business Banker will be responsible for building and deepening relationships with small businesses with revenues up to $5 million and business lending needs up to $1 million, while cross-selling additional products and services, and successfully transferring larger relationships to a Commercial Banker. The Business Banker will work in conjunction with branch partners to identify business member's and non-member's financial needs, both business and personal, to sell the appropriate products and services from VyStar's full suite of financial offerings. This position will also provide ongoing support to designated branches in terms of business development to assist with the achievement of individual branch goals, understanding of credit decisions and loan documents, and assisting with difficult loan closings as needed. The Business Banker will professionally handle any business services inquiries and referrals from existing members, non-members, and internal and external sources. The Business Banker is expected to effectively resolve problems or situations relating to business members within assigned portfolio, following established policies and procedures while meeting all goals and objectives. ESSENTIAL JOB FUNCTIONS Responsible for building and deepening relationships with small businesses with revenues up to $5 million and business lending needs up to $1 million. Achieve individual annual production and growth goals of both business loans and deposits to ensure VyStar meets its overall financial goals and objectives. Work closely with assigned branches and Commercial Banker partners to grow, retain business member relationships and achieve their business lending and deposit growth goals by actively participating in branch team meetings, training and calling efforts. Utilize a needs-based and consultative approach while working with small business owner to identify their short and long-term financial needs. Responsible for small business growth activities including identifying new opportunities with prospects and existing business members. Interact effectively with business underwriting and servicing departments to efficiently process and close loan requests, renewals and any other credit related activities. Process small ticket loans from start to finish, including but not limited to: application, submission, loan processing, document preparation, loan closing, and loan boarding. Call on existing business members within assigned portfolio and branch network to ensure that members' needs are being met and appropriate solutions are presented. Identify opportunities to develop new business member relationships and prospects through outbound calling efforts. Actively participate in local community and business organizations to maximize and develop a referral network, source business development opportunities and demonstrate VyStar's commitment to the local community. Refer larger business relationships or opportunities with more complex financial needs to Commercial Banker partners. Execute and coordinate business member retention activities with branches in response to competitor's activities. Leverage problem-solving and strong communication skills to resolve business member issues and disputes. Present a professional, friendly and helpful appearance with every interaction as a representative of the Commercial Services team. Provide outstanding member service and ensure sales and referral expectations are achieved. Remain informed of VyStar's credit standards, pricing structure, loan policies and procedures, member service practices fundamental to the successful execution of the Business Banker II job duties and responsibilities. Document business development activities, sales pipeline and calendar reporting in a timely and accurate manner. Maintain an in-depth knowledge of VyStar's business services products and services. Handle incoming referrals from branches, call center and other internal partners. Adhere to VyStar Credit Union and departmental policies and procedures concerning attendance, daily schedules, action items and reporting requirements. Meet and exceed VyStar Credit Union member service goals and objectives. Meet and exceed VyStar Credit Union production goals and objectives. Perform other essential job-related duties as assigned by SVP of Commercial Services, VP of Commercial Sales, or Business Banking Manager. All employees and business units, as first line of defense, are expected to proactively help identify, assess, manage, and report risks within their domain of work. To enhance a healthy risk culture and support our growth for good pillar, employees will maintain vigilance in safeguarding our operations while ensuring compliance with regulatory mandates. The Risk team serves as the second line of defense by providing risk oversight and credible challenge whereas the Audit team serves as the third line of defense by providing risk assurance. Incumbent is expected to demonstrate each of the following VyStar Excellence behaviors in performing the duties and responsibilities of their job: Focus - Focus your full attention by carefully listening to and observing client or member. Connect - Consistently be friendly and approachable. Demonstrate your care. Understand - Listen empathetically and ask questions (70%/30% rule). Counsel - Recommend solutions based on your member's needs and objectives. Advance - Ensure that member's expectations were exceeded. Verify necessary follow-up actions. JOB KNOWLEDGE, SKILLS & ABILITIES 5+ years of branch sales experience or equivalent financial services sales experience with proven success in establishing new customers/members, loan/deposit growth, and the ability to deliver results. 3-5 years' experience working with small businesses in a retail sales or service role at a credit union, retail bank or related financial services organization. Must have a basic understanding of small business credit, deposit, and related products and services. Good understanding of business/personal financial statements and tax returns to identify credit worthiness and identifying risk potential. Proven track record of success and skills in developing new clients and business, including pro-active prospecting, sourcing and networking. Strong verbal and written communication and negotiation skills. Aptitude to source and build new business relationships. Good understanding of all business credit facilities including, but not limited to: Commercial Real Estate (CRE), Business Lines of Credit, business equipment/vehicle loans and unsecured financing. Must be highly motivated, confident, detail oriented, able to multi-task and work in a fastpaced environment. Willingness to work branch hours as applicable. Proficiency with Microsoft products including Word, Excel, PowerPoint and Outlook. EDUCATION Bachelor's degree in business preferred or equivalent work experience DISCLAIMERS AND WORK ENVIRONMENT Nothing in this position description is an implied contract for employment. The position description is intended to be an accurate account of the essential functions. The functions are not all encompassing and are subject to change at any time by management. The work environment characteristics described are representative of those that 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. As required or requested, may exert up to 20 pounds of force occasionally and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects. VyStar Credit Union is not seeking outside assistance or accepting unsolicited resumes from staffing agencies or search firms for employment or contractor opportunities. Any resumes submitted by an outside vendor to any employee at VyStar via e-mail, internet, or directly to hiring managers without a valid written search agreement with the Talent Acquisition / HR department will be deemed the sole property of VyStar Credit Union. No placement fee will be paid if a candidate is hired as a result of the referral, or through other means. Thank you for your inquiry regarding our current job opening. Your resume will be carefully reviewed against the position requirements. Should your experience and skills match, you will be contacted by one of our Human Resources department staff members. Thank you again for your interest in this position! VyStar Credit Union Human Resources

At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement--available to all full and part time employees. Part time positions start at a minimum of 30 hours per week. We encourage you to become a part of VyStar Credit Union's family of employees. Senior Liquidity AnalystACCOUNTABILITY STATEMENT The Senior Liquidity Analyst plays a critical role within the Treasury function, focusing on the monitoring, analysis, and strategic management of the organization's liquidity position. This role combines hands-on liquidity reporting and forecasting with advanced modeling, stress testing, and exposure analysis. The analyst will collaborate with cross-functional teams and senior leadership to ensure robust liquidity risk management practices, regulatory compliance, and support for strategic initiatives. In addition to calculating and preparing liquidity measures, the position is expected to forecast cash flows and identify trends for borrowing needs or investment opportunities. The position is also expected to maintain a working knowledge of early warning indicators to notify Treasury staff of situations that could contribute to a breach. An understanding of data and calculations is critical to identify data integrity concerns.ESSENTIAL RESPONSIBILITIES Liquidity Management & Reporting Lead daily monitoring and reporting of liquidity positions, including ACH and wire activity. Develop and maintain near- and long-term cash flow forecasts using the Asset-Liability Management (ALM) model. Calculate and analyze liquidity ratios and early warning indicators. Prepare and present liquidity materials for CMRC and other governance committees. Manage wholesale funding sources and ensure effective collateral management. Stress Testing & Scenario Analysis Design and execute liquidity stress testing scenarios, including forward cash exposure and contingency funding analysis. Evaluate liquidity risk under various macroeconomic and business scenarios. Support the execution and periodic review of the Liquidity Policy and Contingency Funding Plan. Assist in the development of stress testing assumptions and documentation for regulatory and internal use. Modeling & Derivatives Exposure Manage collateral requirements and settlement processes for derivative positions. Contribute to enterprise-level forecasts and Net Interest Income (NII) / Net Interest Margin (NIM) attribution analyses. Assist in behavioral modeling of deposits and prepayment assumptions. Support analysis of derivative instruments (e.g., repos, reverse repos) and their impact on liquidity. Recommend enhancements to liquidity and ALM models and reporting frameworks. Wholesale Borrowing Management Assist in analyzing pricing, periodic interest payments, and margin settlements for non-member and brokered deposits. Ensure compliance with internal policies and regulatory requirements related to funding and hedging instruments. Manage external relationships with brokers and non-member deposit sources and produce monthly reporting related to diversification and risk limits. Coordinate with counterparties and custodians to ensure timely and accurate processing of transactions. Cross-Functional Collaboration Support the annual budgeting and regulatory examination processes. Partner with FP&A, Risk, and Audit teams to ensure alignment on liquidity risk metrics and controls. Identify and implement process improvements and reporting efficiencies. All employees and business units, as first line of defense, are expected to proactively help identify, assess, manage, and report risks within their domain of work. To enhance a healthy risk culture and support our growth for good pillar, employees will maintain vigilance in safeguarding our operations while ensuring compliance with regulatory mandates. The Risk team serves as the second line of defense by providing risk oversight and credible challenge whereas the Audit team serves as the third line of defense by providing risk assurance. JOB QUALIFICATIONS EDUCATION Required: Bachelor's degree in Accounting, Finance, Economics, Engineering, Statistics, or a related quantitative field is required Completion or progress towards MBA or Master's in quantitative finance discipline, CFA or FRM designation is preferred EXPERIENCE 3+ years of experience in liquidity risk, ALM, or treasury functions within a financial institution. Experience with liquidity modeling, stress testing, and regulatory reporting preferred. KNOWLEDGE, SKILLS, & ABILITIES Proficient in Microsoft Excel and other Office tools. Experience with ALM systems such as ZM Desk, QRM, FiServ, Empyrean is preferred. Experience with Bloomberg and or fixed income portfolio systems such Yield Book or BondEdge is preferred. Familiarity with derivatives, repurchase agreements, and liquidity contingency planning. Strong analytical and problem-solving skills with attention to detail. Excellent verbal and written communication skills. Ability to manage multiple priorities and meet deadlines in a fast-paced environment. Demonstrates initiative, accountability, and a collaborative mindset. DISCLAIMERS AND WORK ENVIRONMENT Nothing in this position description is an implied contract for employment. The position description is intended to be an accurate account of the essential functions. The functions are not all encompassing and are subject to change at any time by management. The work environment characteristics described are representative of those that 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. As required or requested, may exert up to 20 pounds of force occasionally and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects. VyStar Credit Union is not seeking outside assistance or accepting unsolicited resumes from staffing agencies or search firms for employment or contractor opportunities. Any resumes submitted by an outside vendor to any employee at VyStar via e-mail, internet, or directly to hiring managers without a valid written search agreement with the Talent Acquisition / HR department will be deemed the sole property of VyStar Credit Union. No placement fee will be paid if a candidate is hired as a result of the referral, or through other means. Thank you for your inquiry regarding our current job opening. Your resume will be carefully reviewed against the position requirements. Should your experience and skills match, you will be contacted by one of our Human Resources department staff members. Thank you again for your interest in this position! VyStar Credit Union Human Resources

About BrightStar: As a member of BrightStar Credit Union, you'll join a dynamic company culture and purpose-driven organization that focuses on its employees and members. We offer excellent benefits, advanced opportunities, and exceptional training. Founded in 1946 as a community-based credit union serving educators, we have since expanded to serve 23 counties across the state of Florida. As a Trusted Advisor, BrightStar offers a diverse range of financial services and opportunities. BrightStar Credit Union is committed to fostering a diverse and inclusive work environment where everyone has the chance to succeed and feel a sense of belonging. Our work environment is fun, fast-paced, and service-oriented. What we offer: Medical, Dental, and Vision 401K Plan with Matching Tuition Reimbursement Program Supplemental Benefits Engagement Area Wellness Studio & Gym at our Corporate Headquarters Company Paid Life Insurance Health Savings Account with Company Contributions The position's primary purpose is to assist the members of our growing community in meeting their financial needs and goals by offering them superior products and services. The responsibilities of the Head Teller include monitoring teller line operations, scheduling, and daily activities of cash-handling associates. The individual in this role must provide outstanding service to each member as defined by our Service Standards and Promises. The Head Teller is perceived as the Subject Matter Expert, showcasing best practices and providing support to other cash-handling associates. The role limits decision-making authority, excluding hiring, promotions, disciplinary actions, and termination of employees, as these are reserved for branch leadership. Essential Functions & Responsibilities: Accurately process all transactions related to the position. Provides all teller functions, including balancing the Night Drop, ATM, and ITM/TCD, while maintaining sufficient cash supplies. Train employees and monitor the daily activities of cash-handling associates. Identify the members' financial needs and suggest a product or service to meet them. Ensure that all cash handling associates consistently and promptly balance themselves and their accounts, with minimal outages. Inform management of critical issues concerning the teller line, the branch, and any other BSCU issues. Knows all BSCU products and services, policies, and procedures. Assists members in promoting products and services. Assists cash-handling associates in all out-of-balance situations as well as member issues. Collaborate with branch leaders to create branch schedules that include Saturdays, lunch breaks, and other scheduled breaks. Rotate assignments on opening and closing days, as well as Saturdays, as needed. Occasionally, this role will be required to assist and support other branch locations as needed to meet business requirements. Work on multiple projects and priorities simultaneously in a fast-paced environment. Maintain knowledge with B.S.A. Compliance training. Weekend hours may be required. Other job-related duties as assigned Performance Measurements: To provide outstanding service to internal and external members as defined by our Service Standards and Promises. Identify the financial needs of each member and offer a credit union solution. Process an appropriate percentage of transactions per month based on branch volume as determined. Not to exceed a total out-of-balance metric outlined in the branch procedures. To develop and improve knowledge and skills in Member Service Areas. Minimum Expectations of Knowledge and Skills: Experience - Two to five years of similar or related Head Teller experience Education- High school education or GED or higher Interpersonal Skills- A significant level of trust and diplomacy is required in addition to standard courtesy and tact. Work involves extensive personal contact with others and is usually of a personal or sensitive nature. Work may involve motivating or influencing others. Fostering sound relationships with other entities, including companies and individuals, is necessary. Other Skills: Proficient keyboarding skills and proficiency with calculators are required. Working knowledge of regulations of Credit Union products, i.e., Reg. E., Reg. CC., Reg. D, Truth in Savings Act, US Patriot Act, and other operational regulations. Compliance Employees must uphold the credit union's compliance with the Bank Secrecy Act and anti-money laundering policies and procedures. Specific functions with B.S.C.U. will consider the awareness of unusual or suspicious activity relevant to the department. In addition to any other assigned training courses, online B.S.A. and O.F.A.C. courses must be completed at least annually, as made available by the Training and Compliance Department. Maintains comprehensive knowledge of the Bank Secrecy Act, Customer Identification Program, U.S.A. Patriot Act, OFAC, Fair Lending, and Credit Card Act. Physical Requirements The physical demands described here represent those that an employee must meet to perform the essential functions of this job successfully. Reasonable accommodations may enable individuals with disabilities to perform essential functions. While performing the duties of this Job, the employee is regularly required to sit, use hands to finger, handle, or feel, and talk or hear. The employee is frequently required to walk and reach with hands and arms. The employee must occasionally stand, stoop, kneel, or crouch. The employee must often lift and move up to 10 pounds. Specific vision abilities required by this job include close vision, color vision, and the ability to adjust focus. Work Environment: The work environment characteristics described here represent those an employee encounters while performing the essential functions of this job. Reasonable accommodations may enable individuals with disabilities to perform essential functions. BrightStar Credit Union is an Equal Opportunity Employer. BrightStar Credit Union is a Drug-Free Workplace.

Job Description As a member of BrightStar Credit Union, you'll join a dynamic company culture and purpose-driven organization that focuses on its employees and members. We offer excellent benefits, advanced opportunities, and exceptional training. Founded in 1946 as a community-based credit union serving educators, we have since expanded to serve 23 counties across the state of Florida. As a Trusted Advisor, BrightStar offers a diverse range of financial services and opportunities. BrightStar Credit Union is committed to fostering a diverse and inclusive work environment where everyone has the chance to succeed and feel a sense of belonging. Our work environment is fun, fast-paced, and service-oriented. What we offer: Medical, Dental, and Vision 401K Plan with Matching Tuition Reimbursement Program Supplemental Benefits Engagement Area Wellness Studio & Gym at our Corporate Headquarters Company Paid Life Insurance Health Savings Account with Company Contributions About the Role: The primary function of the Portfolio Administrator is to ensure that our MBL Loan Portfolio is fiscally sound. The Portfolio Administrator position is focused on managing a large and/or complex credit portfolio of Business and Commercial Banking/Lending members. The Portfolio Administrator is also responsible for proactive member outreach related to potential new loan opportunities, ongoing relationship development, and the collection of financial and operational information required to support annual reviews and portfolio monitoring. Essential Functions & Responsibilities: Providing an unbiased and independent assessment of each respective loan within the portfolio Properly track loan covenants, property taxes and insurance, in order to ensure each relationship is compliant with the requirements of their loan agreement Manages and promotes the maintenance of a portfolio that adheres to all applicable credit policies and compliance requirements. Reviewing each loan that has been originated for FHLB Eligibility Accountable for portfolio monitoring, renewals, annual reviews and cross-selling/uncovering new opportunities for further relationship deepening. Working with Management and fellow team members to monitor and grow Business Commercial Banking/Lending relationships. Work with members directly in order to understand credit needs and represents the Credit Union in developing and maintaining member relationships. May periodically assist with departmental risk management duties and managing overall account relationships. Responsibilities may also include training, supervision, and/or mentoring of fellow team members. Maintain knowledge with B.S.A. Compliance training. Other job-related duties as assigned. Expectations of Knowledge and Skills: Required Qualifications 5+ years of Business/Commercial Banking experience. Credit Analysis experience, Relationship Management experience, or a combination of both. Display excellent written and verbal business communication skills. Strong background in Microsoft Office, specifically Word, Excel and PowerPoint. Knowledge of Commercial Credit analysis with an enhanced focus on Commercial Real Estate. Comprehension of Global Cash Flow Analysis and how it relates to the credit risk of each respective loan within our portfolio. Preferred Qualifications Bachelor's Degree, at a minimum: Industry experience may be considered in lieu of formal collegiate education Formal Credit Training. 5+ years in Commercial Lending experience with credits in excess of $3MM. Prior work experience in a Community Bank or Credit Union preferred. Interpersonal Skills: The ability to motivate or influence others is a material part of the job, requiring a significant level of diplomacy and trust. Obtaining cooperation (internally and/or externally) is an important part of the job. Other Skills: Must have in-depth understanding of and ability to interpret regulations affecting lending programs. Extensive knowledge of consumer, and real estate lending practices and procedures. Should be able to run spreadsheet and word processing software. Competencies: Communication-20 Decision Making/Judgement-20 Customer Service-20 Job Knowledge-20 Initiative-20 Compliance: Every employee must uphold the credit union's compliance with the Bank Secrecy Act and anti-money laundering policies and procedures. Specific functions with B.S.C.U. will consider the awareness of unusual or suspicious activity that is relevant to the department. In addition to any other assigned training courses, online B.S.A. and O.F.A.C. courses must be completed at least annually, as made available by the Training and Compliance Department. Maintains comprehensive knowledge of the Bank Secrecy Act, Customer Identification Program, U.S.A. Patriot Act, O.F.A.C., Fair Lending, and Credit Card Act. Physical Requirements: The physical demands described here represent those that an employee must meet to perform the essential functions of this job successfully. Reasonable accommodations may enable individuals with disabilities to perform essential functions. While performing the duties of this Job, the employee is regularly required to sit, use hands to finger, handle, or feel and talk or hear. The employee is frequently required to walk and reach with hands and arms. The employee must occasionally stand, stoop, kneel, crouch, or crawl. The employee must frequently lift and move up to 10 pounds. Specific vision abilities required by this job include close vision, color vision, and the ability to adjust focus. Work Environment: The work environment characteristics described here represent those an employee encounters while performing this job's essential functions. Reasonable accommodations may enable individuals with disabilities to perform essential functions. Physical Requirements: The physical demands described here are those an employee must meet to perform the essential functions of this job successfully. Reasonable accommodation may enable individuals with disabilities to perform essential functions. While performing the duties of this Job, the employee is regularly required to sit, use hands to finger, handle, or feel, and talk or hear. The employee is frequently required to walk and reach with hands and arms. The employee must occasionally stand, stoop, kneel, or crouch. The employee may occasionally lift and move up to 10 pounds. Specific vision abilities required by this job include close vision, color vision, and the ability to adjust. BrightStar Credit Union is an Equal Opportunity Employer. BrightStar Credit Union is a Drug-Free Workplace.

At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement--available to all full and part time employees. Part time positions start at a minimum of 30 hours per week. We encourage you to become a part of VyStar Credit Union's family of employees. Senior Mortgage Loan ProcessorACCOUNTABILITY STATEMENT The Senior Mortgage Loan Processor ensures members receive quality mortgage loan service according to VyStar mortgage practices, procedures, and policies. Must stay abreast of conventional and equity mortgage guidelines. Responsible for assisting the member through the mortgage process keeping them informed and moving toward a final loan disposition. Working with loan sales and underwriting as necessary and obtains information needed for underwriting to make a final loan decision. The Senior Mortgage Loan Processor works with the loan closer to ensure the member has a smooth closing experience. The incumbent reports directly to the Mortgage Loan Processing Supervisor and indirectly to the Mortgage Loan Processing Manager. ESSENTIAL RESPONSIBILITIES Pipeline Management: Maintain an active mortgage loan pipeline as assigned. Handle various loan types (equity, second, refinance, purchase, VA, FHA, construction, reno to perm). Member Communication: Keep members informed throughout the process. Approval Conditions: Clear approval conditions as determined by the underwriter. Documentation: Prepare and maintain electronic notes on file activity and member contact. Credit Application Review: Assess credit worthiness in compliance with policies and guidelines. Verification: Obtain and review documentation for income, employment, and assets. Ordering Reports: Order and review necessary reports such as credit reports, appraisals, DRIVE report, Fanni Mae Desktop Underwriter, Freddie Mac Loan Product Advisor, title, Flood Certification, and insurance. Insurance Information: Ensure all pertinent insurance information is documented. Underwriting Preparation: Prepare and submit files for final underwriting decisions. Loan Cancellations: Manage tasks related to member-initiated cancellations and underwriter declinations. Closing Coordination: Work with loan closers to ensure smooth closing experiences. Compliance: Ensure compliance with state and federal regulations. Goal Alignment: Understand and work towards department and Credit Union goals. Adherence to Values: Consistently follow VyStar's core values and Code of Ethics. Process Improvement: Recommend improvements for service and efficiency to management. Productivity: Maintain high volume productivity. Service Level Agreements: Maintain service level agreements as published by Fulfillment management with member communication, file submission, and timing gates. Training and Meetings: Develop training for Loan Processors and hold weekly team meetings. Subject Matter Expert: Assist with troubleshooting and escalations. System Testing: Engage in system testing and modifications. Procedure Review: Review annual procedures for accuracy. Team Liaison: Act as Team Liaison in the supervisor's absence. Mentorship: Mentor mortgage loan processors. Technical Resource: Provide technical information and guidance to Mortgage Loan Processors. Consistently adheres to VyStar core values and Code of Ethics and acts in accordance with those values. Perform additional duties and responsibilities as assigned. All employees and business units, as first line of defense, are expected to proactively help identify, assess, manage and report risks within their domain of work. To enhance a healthy risk culture and support our growth for good pillar, employees will maintain vigilance in safeguarding our operations while ensuring compliance with regulatory mandates. The Risk team serves as the second line of defense by providing risk oversight and credible challenge whereas the Audit team serves as the third line of defense by providing risk assurance. The incumbent is expected to demonstrate each of the following VyStar Excellence behaviors in performing the duties and responsibilities of their job: Focus- Focus your full attention by carefully listening to and observing internal and external members. Connect -Consistently be friendly and approachable. Demonstrate your care. Understand- Listen empathetically and ask questions (70%/30% rule). Counsel- Recommend solutions based on your member's needs and objectives. Advance- Ensure that the members' expectations were exceeded. Verify necessary follow-up actions. JOB QUALIFICATIONS EDUCATION High School Diploma or GED is required. Additional specialized training or classes in mortgage lending beyond high school is necessary. Ongoing education through local workshops and conferences is mandatory to stay updated on federal regulations and secondary market standards. CERTIFICATION The employee is required to fulfill and uphold all criteria as a registered mortgage loan originator working for a Federally regulated Institution under the Nationwide Mortgage Licensing System and Registry (NMLS). The employee must comply with all provisions of the Act as defined in the Secure and Fair Enforcement of Mortgage Licensing Act of 2008 (S.A.F.E. Act) and credit union S.A.F.E. Act Procedures. EXPERIENCE A minimum of four years of experience in a direct mortgage lending and consumer interaction role is required, within the mortgage lending sector. KNOWLEDGE, SKILLS, & ABILITIES Familiarity with government, construction/reno to perm, conventional and equity loan financing, along with a comprehensive understanding of all regulations related to mortgage lending, is preferred. The candidate must possess knowledge and experience in utilizing Microsoft Office applications. Demonstrates strong written and verbal communication skills, active listening, attention to detail, professionalism, and the ability to collaborate effectively across all levels to support seamless team workflows and member engagement. The ability to thrive in a fast-paced environment and a proven track record of collaboration with others is also required. Candidates must be able to work independently at a highly professional level. DISCLAIMERS AND WORK ENVIRONMENT Nothing in this position description is an implied contract for employment. The position description is intended to be an accurate account of the essential functions. The functions are not all encompassing and are subject to change at any time by management. The work environment characteristics described are representative of those that 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. As required or requested, may exert up to 20 pounds of force occasionally and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects. VyStar Credit Union is not seeking outside assistance or accepting unsolicited resumes from staffing agencies or search firms for employment or contractor opportunities. Any resumes submitted by an outside vendor to any employee at VyStar via e-mail, internet, or directly to hiring managers without a valid written search agreement with the Talent Acquisition / HR department will be deemed the sole property of VyStar Credit Union. No placement fee will be paid if a candidate is hired as a result of the referral, or through other means. Thank you for your inquiry regarding our current job opening. Your resume will be carefully reviewed against the position requirements. Should your experience and skills match, you will be contacted by one of our Human Resources department staff members. Thank you again for your interest in this position! VyStar Credit Union Human Resources

At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement--available to all full and part time employees. Part time positions start at a minimum of 30 hours per week. We encourage you to become a part of VyStar Credit Union's family of employees. SVP, Commercial BankingACCOUNTABILITY STATEMENT The Senior Vice President, Commercial Banking has overall responsibility for the leadership and management of all functions and activities within the Commercial Services Department, which consist of: • Sales and relationship management • Special assets, troubled debt and delinquency management • Business deposit growth and quality control • Business products and services development • Operational efficiency and profitability • Leadership of the business services sales team • Meeting all business plan and budget goals on an on-going basis This position works with the Information Systems Security Officer and the Chief Risk Officer to support the achievement of VyStar's enterprise risk program. The incumbent is accountable for continued development and implementation of the Commercial Services strategy across all delivery channels to optimize the member experience and financial benefits, drive financial performance results through loan and deposit growth, meeting all business plan and budget goals, while maximizing profitability and ensuring productivity standards are maintained throughout the department. The SVP, Commercial Banking is accountable for the department's business loan portfolio quality and origination of business loans, per policy and procedures in compliance with all state and federal regulations through effective risk mitigation practices and sound credit monitoring and report control. Responsibilities include loan analysis, loan decisioning, portfolio management and servicing, and relationship management, which involves managing a substantial portfolio of business loans, both secured and unsecured, many of which involve large balances and loans deemed Specially Managed Relationships (SMRs). The Small Business Bankers and Business Bankers receive guidance and direction from the incumbent to originate quality loans and achieve or exceed our annual loan goals. In addition, the SVP, Commercial Banking has oversight for the following: • Oversee the risk management strategy as it relates to all lending products. This may include identifying potential risks, assessing their potential impact, and developing strategies to reduce the risk of financial loss and meet profitability targets. • Monitoring and reviewing all lending policies and procedures to ensure that underwriting activities are being completed that align with the credit union credit risk profile. Overseeing relationships with the Internal Audit and Compliance departments to ensure that credit policies are aligned with internal and external expectations. • Works with regulatory examiners to accurately represent the credit union's credit risk strategies and governance, while identifying areas of potential risk. • Partners with the Enterprise Risk Group and Finance to ensure that pricing disciplines correctly reflect risk premium and that lending lines are following established pricing disciplines. • Responsible for communicating with a variety of individuals and groups, including other members of the credit union's executive leadership team and Board of Directors, employees, members, vendors, and regulators. • The responsibilities of the credit risk can be assigned to an individual in another leadership role provided that the individual meets the education and experience requirements. ESSENTIAL JOB FUNCTIONS Provide strategic and tactical direction within VyStar's Field of Membership (FOM) and at the corporate level regarding all business products and services, compliance and risk management, and delivery processes and procedures. Manage a diverse team that includes Business Credit and Servicing Administration; Business Portfolio Management; Business Product and Services; and Small Business Bankers and Business Bankers. Provide direct oversight, coaching and strategic guidance to geographically dispersed sales team of Small Business Bankers and Business Bankers. Ensure and manage the proper execution and administration of all Business Services operational and credit risk management policies and procedures in compliance with federal and state regulations. Provide analysis and recommendations for Allowance for Loan and Lease Losses (ALLL) of general and specific reserves on business loans and lines of credit. Manage impaired, downgraded and Troubled Debt Restructure (TDR) loans in coordination with Business Credit Administration and Portfolio Management to ensure proper risk mitigation and/or work-out procedures are being executed in compliance with state and federal regulations. Provide direction and guidance with respect to the collection, negotiation, foreclosure, and bankruptcy proceedings of all business loans (credit cards, equipment loans, commercial real estate, etc.). Actively manage this process in conjunction with the portfolio management, delinquency, and the special assets team. Apply effective and sound business credit review, evaluation, structuring, pricing, and competitive credit solutions as a member of the Business Loan Committee with credit approval authority. Actively manage risk and minimize losses within business deposit portfolio through audit, monitoring and control reports ensuring compliance with the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Office of Foreign Control (OFAC), USA Patriot Act, and any other state and federal regulations. Develop and actively manage the business deposit Customer Identification Program (CIP) and Money Services Business (MSB) process as part of the overall BSA/AML compliance program. Develop and implement business sales calling strategies, processes, and programs; define and adjust market coverage as necessary; and actively provide oversight, coaching and sales training to business lending team. Lead the successful expansion and growth of Business Services across all VyStar delivery channels through proactive partnership development, collaboration, and branch integration. Responsible for generating new business loan and fee income consistent with the department's goals that contribute to the desired mix in loan type, profitability, risk, quality, and growth. Develop and manage Annual Operating Plan, Financial Budget, and Strategic Business Plan recommendations for the Business Services department and credit union's success. Create and proactively review loan policies, procedures, department operations, industry innovations, trends, competitor services, and regulations to institute or recommend changes. Maintain an ongoing knowledge of current regulatory, and policy and procedure changes related to business/commercial lending and deposit services. Maintain an ongoing knowledge of current economic conditions that affect the business services loan portfolio and create potential interest rate, credit or collateral risks. Maintain an in-depth knowledge of VyStar's business products and services. Actively engage the market while representing VyStar and Business Services in the community through active participation in community events and networking functions. This role includes the following additional essential responsibilities related Credit Risk Manager (CRM) designation: Work with CLO and Lending Departments to implement comprehensive credit risk policies and procedures, working hand in hand with lending, compliance, and enterprise risk management, to ensure prudent and profitable credit practices while complying with all regulatory and governmental requirements. Assess and analyze credit risk exposure, identifying potential risks and opportunities within the organization's credit portfolio. Monitor and report on portfolio risk metrics, performance, concentrations, delinquencies, credit losses and overall trends on an ongoing basis; makes recommendations to key stakeholders on solutions / strategies to manage portfolio risk and address challenges. Collaborate with other departments and leaders to establish credit risk appetite and ensure adherence to regulatory requirements. Review and approve any loan requests within delegated authority per policy and/or bylaws and make recommendations to Loan Committee on loans in excess of lending authority. Serve in relevant Credit Union committee meetings and provide insight and recommendations. Provide independent oversight of VyStar's credit approval process, asset quality review policies and procedures, concentration of credit limits, and officer credit training programs. Oversee and execute third-party reviews of the lending portfolio, communicate findings, and recommendations for enhancements as required. Resolve credit policy issues identified internally or by the regulators by coordinating due diligence efforts with lending staff and other department managers. Establish and maintain robust credit underwriting standards and ensure quality underwriting and financial analysis for all loan requests/proposals. Makes credit decisions as authorized and reviews loans for approval that may require an exception to policy. If appropriate, approves the decision to make an exception and reports it to the CLO. Ensures departments remain in compliance with all state and federal laws and regulations, remaining abreast of industry trends and regulatory changes, and ensuring teams have complete understanding of applicable laws and regulations. Works with the Information Technology and Information Development Systems groups to make recommendations to enhance technology, programs, products, and processes. Ensures all regulatory reporting is completed on or before the required deadlines. Meet and exceed VyStar Credit Union member service goals and objectives. Meet and exceed VyStar Credit Union performance and production goals and objectives. Perform additional duties as assigned. All employees and business units, as first line of defense, are expected to proactively help identify, assess, manage, and report risks within their domain of work. To enhance a healthy risk culture and support our growth for good pillar, employees will maintain vigilance in safeguarding our operations while ensuring compliance with regulatory mandates. The Risk team serves as the second line of defense by providing risk oversight and credible challenge whereas the Audit team serves as the third line of defense by providing risk assurance. Incumbent is expected to demonstrate each of the following VyStar Excellence behaviors in performing the duties and responsibilities of their job: Focus - Focus your full attention by carefully listening to and observing client or member. Connect - Consistently be friendly and approachable. Demonstrate your care. Understand - Listen empathetically and ask questions (70%/30% rule). Counsel - Recommend solutions based on your member's needs and objectives. Advance - Ensure that member's expectations were exceeded. Verify necessary follow-up actions. QUALIFICATIONS EDUCATION Required: Bachelor's degree. Preferred: Master's degree in a business, finance or accounting related field. JOB KNOWLEDGE, SKILLS & ABILITIES Minimum of ten (10) years in business services or commercial banking and relationship management environment. Advanced knowledge of business tax returns and business financial statements. Advanced understanding of financial analysis including cash flow, profitability, liquidity, leverage and solvency. Advanced knowledge of standard underwriting theory. Demonstrated ability to successfully structure complex credit requests that minimize risk while providing member value. Work requires a broad level of professional experience in commercial lending to include thorough knowledge of commercial underwriting, servicing, and portfolio management. Advanced knowledge of business Strong verbal and written communication and negotiation skills. Must be a highly motivated, detail oriented, able to multi-task and work in a fast-paced environment while applying critical thinking skills. Proficiency with Microsoft products including Word, Excel, PowerPoint, and Outlook. DISCLAIMERS AND WORK ENVIRONMENT Nothing in this position description is an implied contract for employment. The position description is intended to be an accurate account of the essential functions. The functions are not all encompassing and are subject to change at any time by management. The work environment characteristics described are representative of those that 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. As required or requested, may exert up to 20 pounds of force occasionally and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects. #LI-Hybrid VyStar Credit Union is not seeking outside assistance or accepting unsolicited resumes from staffing agencies or search firms for employment or contractor opportunities. Any resumes submitted by an outside vendor to any employee at VyStar via e-mail, internet, or directly to hiring managers without a valid written search agreement with the Talent Acquisition / HR department will be deemed the sole property of VyStar Credit Union. No placement fee will be paid if a candidate is hired as a result of the referral, or through other means. Thank you for your inquiry regarding our current job opening. Your resume will be carefully reviewed against the position requirements. Should your experience and skills match, you will be contacted by one of our Human Resources department staff members. Thank you again for your interest in this position! VyStar Credit Union Human Resources

At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement--available to all full and part time employees. Part time positions start at a minimum of 30 hours per week. We encourage you to become a part of VyStar Credit Union's family of employees. Asset & Loss Mitigation SpecialistACCOUNTABILITY STATEMENT The incumbent ensures that VyStar's interest in both collateralized and non-collateralized loans are protected against loss due to bankruptcy or other legal action involving our interest and typical collateralized loan default. The incumbent must be familiar with the Fair Debt Collection requirements along with Bankruptcy Legislation. The incumbent will thoroughly review all legal documentation regarding any loan account to protect VyStar's interest and seek guidance from the Sr. Asset Remarketing & Loss Mitigation Coordinator as needed. The incumbent serving in this key role must present a professional image of VyStar as they manage vendor relationships with Repossession Agents and Bankruptcy attorneys. The specialist has authority within their role which requires strategic decision making. The use of this authority should result in an acceptable outcome for both our member and the credit union. Collateral recovery and liquidation is an integral part of the loss mitigation strategy for VyStar as it aids directly in delinquency and charge off financial reporting for one of the largest segments of the consumer loan portfolio. In addition to these duties the incumbent will manage a well-defined bankruptcy processing workflow in order to mitigate loss that may stem from litigation caused by possible bankruptcy regulation challenges. The incumbent is required to engage thoroughly in the current liquidation market and develop remarketing strategies that will provide VyStar the highest return for collateral securing consumer loans as well as stay abreast of regulatory and legislative changes that affect bankruptcy processing. Accuracy and timeliness for coding is essential to ensure our daily operations function within state and federal regulations governing bankrupt processing as well as the repossession and sale of collateral. ESSENTIAL FUNCTIONS Code all consumer loans, business credit cards, consumer credit cards and deposit accounts (business and consumer) in the core system within one business day of notice receipt to ensure proper tracking measures are in place and internal notification procedures adhere to local, state and federal bankruptcy statutes. Coding will ensure strict adherence by ceasing any and all written and verbal communication with bankrupt members. Review bankruptcy notices in collaboration with attorneys, management, and members in order to take appropriate action within specified time frames conducive to the interest of VyStar. These notices would include but are not limited to petitions, claims, motions, affidavits, and schedules. Provides a monthly summary report outlining petitions received, processing times and trends to management for review. Recommends and prepares legal action in order to mitigate loss to the credit union. Provides support to their peer group within bankruptcy proceedings by attaining lift of stay prior to discharge allowing for the credit union to secure collateral attached to delinquent loans. Review chapter 13 plans to ensure VyStar receives equitable treatment with regard to repayment of secured debts; fair interest rate and file necessary claims on all debts owed to recover the maximum allowed. Make recommendations to send the file to our attorney to file for objections to the plan and/or objections to motion to value collateral for less than fair market value. Files, tracks, and maintains necessary documentation with the courts to protect VyStar's interests. Conducts reviews of court ordered debt restructures to make certain the credit union is repaid in fairness. Works collaboratively with the Sr. Loan Modification Coordinator to reconcile loan repayment records after confirmation. Ensures that all post and pre-petition amounts due are received in accordance with all consumer loans included in chapter 11 and chapter 13 plans. Provides operational support to Business Services by managing all negative deposit accounts, business credit cards, and business loans included in bankruptcy. Stay informed of PACER filing requirements, use of PACER system and bankruptcy legislation. Including all changes in state and federal regulations to ensure any/all filing dates and time lines are followed correctly to protect VyStar's interest. In addition, responsible for the design and implementation of changes to internal policy and procedure as dictated by the bankruptcy governing bodies. Negotiate with members after discharge for the reestablishment of membership in accordance with local, state, and federal bankruptcy laws. Provides information to members regarding membership status, collateral insurance requirements, payment history, and pending credit union action specific to bankruptcy. Monitors and negotiates repayment in pay and retain situations to mitigate risk of default for those loans discharged in bankruptcy and the member wishes to retain the attached collateral. Prepares and assigns account collateral for recovery to 3rd party recovery agencies. This would include (but not be limited to) voluntary assignments, involuntary assignments, and Writs of Replevin to recover collateral on a daily basis. File appropriate request with the chapter 13 Trustee to access the Trustee site if available to monitor member's payments to the Trustee and disbursements from the Trustee. Provides skip tracing support to repossession agents in an effort to expedite the recovery of collateral. Processes the collateral recovered by the 3rd parties into core processing systems and stand-alone tracking systems on a daily basis. Failure to accurately and efficiently code collateralized loans in our core system will result in regulatory violations and place the credit union at significant risk for fines and litigation. Communicates and negotiates verbally and in writing with VyStar Credit Union Members in conjunction with the assignment and recovery of secured collateral with the intent to mitigate loss to the credit union and minimize the financial impact to our members. The incumbent will provide alternatives to our member's in lieu of repossession where necessary. This will often require the candidate to have familiarity with our lending and modification processes as several of our hardship opportunities require submission of the consumer loan modification form. The candidate will also communicate verbally and in writing with 3rd party recovery agents, insurance companies, and law enforcement agencies in strict adherence to federal, state, and local legal statutes that regulate the repossession and liquidation of collateral on a daily basis. The Asset and Loss Mitigation Specialist will work with the Consumer Loan Hardship Specialists to coordinate the disposition of collateral in the event of a member's passing. The specialist will work with an estate, surviving spouse, or probate attorney on a regular basis in order to facilitate an acceptable resolution for both parties. Files for refunds on single interest coverage insurance, extended warranty policies, GAP insurance and any other type of asset account linked to repossessed collateral on a daily basis to minimize loss to the credit union. Regularly follows up with our dealer partners on a weekly basis to secure proper repayment of contract cancellations associated with ancillary products that may be financed in the loan. Contact and follow up with attorneys and Trustees as needed via telephone and written correspondence. Liaison for VyStar employees to answer general bankruptcy questions. Produce and maintain desktop procedures for the bankruptcy process. Consistently adheres to VyStar core values and Code of Ethics and acts in accordance with those values. Performs the activities and projects as assigned and requested by the Collections Operations Supervisor and Vice President of Consumer Loan Collections. Applies Debits & Credits to the loan account in the core processing system and maintains records of expenses and payments received on all Repossessed accounts on a daily basis. Advises the Member(s) (and any other required party) of the recovery of the collateral, the redemption period and the liquidation of the collateral in accordance to federal, state and local statutes on a daily basis. Identify and make recommendations to Collection Operations Supervisor and Department Vice President regarding process improvements, quality service and increased efficiencies along with on all normal filings, any abnormal filing trends, and volume and filing demographics on a monthly basis. All employees and business units, as first line of defense, are expected to proactively help identify, assess, manage, and report risks within their domain of work. To enhance a healthy risk culture and support our growth for good pillar, employees will maintain vigilance in safeguarding our operations while ensuring compliance with regulatory mandates. The Risk team serves as the second line of defense by providing risk oversight and credible challenge whereas the Audit team serves as the third line of defense by providing risk assurance. Incumbent is expected to demonstrate each of the following VyStar Excellence behaviors in performing the duties and responsibilities of their job. Focus Focus your full attention by carefully listening to and observing your client or member. Connect Consistently be friendly and approachable. Demonstrate you care. Understand Listen empathetically and ask questions. (70%/30%) Counsel Recommend solutions based on your clients or member's needs and objectives. Advance Ensure that member's expectations were exceeded. JOB KNOWLEDGE, SKILLS & ABILITIES: Required A minimum of three years' experience in collections, collateral remarketing, or bankruptcy and legal processing within a financial environment is required. Knowledge of Fair Dept Collections Practice Act (FDCPA), Federal Bankruptcy Laws, Fair Credit Reporting (FCRA), state laws governing repossession and liquidation of repossessed collateral and secondary market requirements for servicing derogatory loans. Applicant must have positive, well-developed communication skills, both written and oral, be detail oriented, have good organizational and active listening skills, the ability to work in a fast paced environment, and proven ability to work with others. Must have professional conduct and appearance and be self-motivated. Must work under the philosophy of “people helping people” and be able to communicate with members and legal council at all levels. Applicants must demonstrate the qualities of a self-starter and one who follows through on all job duties. Preferred Knowledge of Microsoft Word, Excel, Access, Adobe, LaserFiche, MVI Document Capture, D-ROM Viewer, Dealertrack Technologies, AutoIMS, PACER and chapter 13 network. EDUCATION An associate's degree or higher is the minimum educational requirement. Experience may be substituted for education on a 2 to 1 ratio. Continuing education via local conferences and workshops is required for updates on federal regulations. Specialized classes in bankruptcy will be required. DISCLAIMERS AND WORK ENVIRONMENT/PHYSICAL DEMANDS Nothing in this position description is an implied contract for employment. The position description is intended to be an accurate account of the essential functions. The functions are not all encompassing and are subject to change at any time by management. The work environment characteristics described are representative of those that 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. As required or requested, may exert up to 20 pounds of force occasionally and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects. VyStar Credit Union is not seeking outside assistance or accepting unsolicited resumes from staffing agencies or search firms for employment or contractor opportunities. Any resumes submitted by an outside vendor to any employee at VyStar via e-mail, internet, or directly to hiring managers without a valid written search agreement with the Talent Acquisition / HR department will be deemed the sole property of VyStar Credit Union. No placement fee will be paid if a candidate is hired as a result of the referral, or through other means. Thank you for your inquiry regarding our current job opening. Your resume will be carefully reviewed against the position requirements. Should your experience and skills match, you will be contacted by one of our Human Resources department staff members. Thank you again for your interest in this position! VyStar Credit Union Human Resources

Job Description About BrightStar: As a member of BrightStar Credit Union, you'll join a dynamic company culture and purpose-driven organization that focuses on its employees and members. We offer excellent benefits, advanced opportunities, and exceptional training. Founded in 1946 as a community-based credit union focusing on educators, we expanded to serve 23 counties across Florida. As a Trusted Advisor, BrightStar offers a diverse range of financial services and opportunities. BrightStar Credit Union is committed to creating a diverse and inclusive work environment where everyone has a chance to succeed and a sense of belonging. Our work environment is fun, fast-paced, and service-oriented. What we offer: Medical, Dental, and Vision 401K Plan with Matching Tuition Reimbursement Program Supplemental Benefits Engagement Area Wellness Studio & Gym Company Paid Life Insurance Health Savings Account with Company Contributions About the Role: The primary purpose of the position is to assist the members of our growing community in meeting their financial needs and goals by offering them superior products and services. This is accomplished by providing the highest quality of service to both internal and external members. This position is responsible for the overall management of a Credit Union facility, including directing branch operations and ensuring that the branch meets organizational, financial, operational, service, and growth plans. Essential Functions & Responsibilities: Establishes realistic, achievable, and measurable sales growth goals for branch employees, including the level of quality member service as measured by member experience surveys. Directs, develops, motivates, and disciplines branch personnel and recommends appropriate personnel actions. Provides coaching - Can interpret performance results, find opportunities to drive success, and hold others accountable for results. Delivering and presenting a Bright Service environment and coaching to an exceptional Bright Conversation. Responsible for the security of assigned branch employees, members, and assets; inventory, control, and accounting of branch cash and cash equivalents; compliance with all federal and state regulations; quality of branch audits; compliance with standard credit union operating policies and procedures. Responsible for the management and training of branch employees in the area of paying and receiving, opening and servicing share and loan accounts, and ancillary credit union products and services. Manages the development and implementation of operations and capital budgets of assigned branches and allocates resources to deliver quality services, maximize service hours, and lower operating costs. Serves on project teams as needed to develop and implement new products and services, improve existing products, services, or processes, and write new or update existing credit union policies and procedures. Manages, with the assistance of the AVP of Facilities and Security, the appearance and upkeep of the assigned branch facility. At times, this position may require support and assistance in other branch locations based on business need." Weekend hours may be required. Other job-related duties as assigned. Performance Measurements: To provide outstanding service to internal and external members as defined by our service standards and promises. Identify the financial needs of each member and offer a credit union solution. To maintain and develop a qualified staff sufficient to meet the needs of members. To complete performance reviews within the prescribed time frame. To develop and maintain business partner relationships within the community and area schools. Acquire additional education relative to branch management or the credit union industry. Drive an investment solution environment. Minimum Expectations of Knowledge and Skills: Experience - Five to ten years of similar or related experience. Education- A two-year college degree or completion of a specialized course of study at a business school. Interpersonal Skills- Passionate about providing a member experience that delivers superior service and solutions to improve our members' financial lives. Work involves extensive personal contact with others and is of an individual or sensitive nature. Motivating, influencing, and/or training others is key at this level-the ability to create partnerships within the organization and with our partner vendors. Other Skills- Communicates effectively and confidently, and is comfortable engaging all members. Compliance: Every employee must uphold the credit union's compliance with the Bank Secrecy Act and anti-money laundering policies and procedures. Specific functions within B.S.C.U. will consider awareness of unusual or suspicious activity relevant to the department. In addition to any other assigned training courses, online B.S.A. and O.F.A.C. courses must be completed at least annually, as made available by the Training and Compliance Department. Maintains comprehensive knowledge of the Bank Secrecy Act, Customer Identification Program, U.S.A. Patriot Act, O.F.A.C., Fair Lending, and Credit Card Act. Physical Requirements: The physical demands described here represent those that an employee must meet to perform the essential functions of this job successfully. Reasonable accommodations may enable individuals with disabilities to perform basic functions. While performing the duties of this Job, the employee is regularly required to sit, use hands to finger, handle, or feel, and talk or hear. The employee is frequently required to walk and reach with hands and arms. The employee must occasionally stand, stoop, kneel, and crouch. The employee may occasionally lift and move up to 10 pounds. Specific vision abilities required by this job include close vision and the ability to adjust focus. Work Environment: The work environment characteristics described here represent those an employee encounters while performing the essential functions of this job. Reasonable accommodations may enable individuals with disabilities to perform essential functions. BrightStar Credit Union is an Equal Opportunity Employer. BrightStar Credit Union is a Drug-Free Workplace

Job Description About BrightStar As a member of BrightStar Credit Union, you'll join a dynamic company culture and purpose-driven organization that focuses on its employees and members. We offer excellent benefits, advanced opportunities, and exceptional training. Founded in 1946 as a community-based credit union focusing on educators, we expanded to serve 23 counties across Florida. As a Trusted Advisor, BrightStar offers a diverse range of financial services and opportunities. BrightStar Credit Union is committed to creating a diverse and inclusive work environment where everyone has a chance to succeed and a sense of belonging. Our work environment is fun, fast-paced, and service-oriented. What we offer: Medical, Dental, and Vision 401K Plan with Matching Tuition Reimbursement Program Supplemental Benefits Engagement Area Wellness Studio & Gym Company Paid Life Insurance Health Savings Account with Company Contributions Essential Functions & Responsibilities Contact members by telephone and/or mail to identify and resolve repayment deficiencies, and establish proper loan and credit card repayment. Provide outstanding service to each internal and external member as defined by our Service Standards and Promises. Process post-charge-off, in-house collection activities Investigate misapplied payments and payroll deduction allocations. Performs other related duties as assigned. Maintain knowledge with B.S.A. Compliance training. Below is a breakdown of overall responsibilities: Contact members by telephone and/or mail to identify and resolve repayment deficiencies, and establish proper loan and credit card repayment. 45% Process post-charge-off, in-house collection activities 25% Investigate misapplied payments and payroll deduction allocations 15% Meeting Room Calendar Oversight 10% Other Duties as Assigned 5% Performance Measurements: Provide outstanding service to internal and external members as defined by our service standards and promises. Provide customer service regarding collections issues, process customer refunds, process and review account adjustments, and resolve client discrepancies and short payments. Monitors and maintains assigned accounts through customer calls, account adjustments, small balance write-offs, customer reconciliation, and processing credit memos. Accountable for reducing delinquency for assigned accounts. Follow up delinquent accounts, and update and maintain accurate financial records, including accounting, receivables, and credit records. To maintain accurate and complete records of all collection and recovery activity. To ensure that collection activity is both within credit union policy and all relevant regulations. To identify and inform management of potential underwriting problems. Minimum Expectations of Knowledge and Skills: Experience: One year to three years of similar or related experience. Education: A high school education or GED Interpersonal Skills: Courtesy, tact, and diplomacy are essential elements of the job. Work involves much personal contact with others inside and outside the organization for giving or obtaining information, building relationships, or soliciting cooperation. Interpersonal Skills: Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation. Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication. Other Skills: Must be able to hear and speak clearly in person, and by phone, Must have personal computer skills, Must be able to sit for long periods of time. Competencies: Communication Decision Making/Judgement Customer Service Job Knowledge Initiative Compliance: Employees must uphold the credit union's compliance with the Bank Secrecy Act and anti-money laundering policies and procedures. Specific functions with B.S.C.U. will consider the awareness of unusual or suspicious activity relevant to the department. In addition to any other assigned training courses, online B.S.A. and O.F.A.C. courses must be completed at least annually, as made available by the Training and Compliance Departments Maintains comprehensive knowledge of the Bank Secrecy Act, Customer Identification Program, U.S.A. Patriot Act, O.F.A.C., Fair Lending, and Credit Card Act. Physical Requirements: The physical demands described here represent those that an employee must meet to perform the essential functions of this job successfully. Reasonable accommodations may enable individuals with disabilities to perform essential functions. While performing the duties of this Job, the employee is regularly required to sit, use hands to finger, handle, or feel and talk or hear. The employee is frequently required to walk and reach with hands and arms. The employee may occasionally stand, stoop, kneel, or crouch. The employee may occasionally lift and move up to 10 pounds. Specific vision abilities required by this job include close vision, color vision, and the ability to adjust focus. Work Environment: The work environment characteristics described here represent those an employee encounters while performing this job's essential functions. Reasonable accommodations may enable individuals with disabilities to perform essential functions. BrightStar Credit Union is an Equal Opportunity Employer. BrightStar Credit Union is a Drug-Free Workplace