BrightStar Credit Union jobs

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. We are seeking a part-time Marketing Social Media Intern to work in our Downtown Orlando office. The Marketing Social Media Intern will be responsible for aiding in research and content production/creation. Students must be a junior or senior with actively pursuing a Marketing (or related) degree. This program will require 20 hours/week for 12 weeks with a pay rate of $15/hr. Your Role in Our Mission: Assist with the coordination of organization wide social media strategy and implementation. Provide overall assistance to Social Media Specialist. Research, production, and creation of social media content, including video. What Makes You a Great Fit: A junior or senior with experience in market research, video creation and production. Portfolio will be requested during interview process. Photography experience is a plus! Staying up-to-date on the latest social media trends to connect with audiences. Creative problem-solver who loves to think outside the box and bring fresh ideas to the table. About FAIRWINDS Credit Union At FAIRWINDS Credit Union, Financial Freedom Happens Here. Headquartered in Orlando, we've proudly served members for more than 70 years. Our mission - Changing members' lives on the journey to Financial Freedom - guides every decision we make, and our vision is simple: Members financially free. Through The FAIRWINDS Way, we foster a culture built on integrity, accountability, and teamwork. We are also proud to be nationally endorsed by The Dave Ramsey Show as a trusted provider committed to financial wellness! We're honored to be recognized as one of the Forbes 2024 Best-in-State Credit Unions and Orlando Business Journal's Best Places to Work. Join 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. * SELECTION PROCESS: As part of our preliminary recruiting process, we kindly ask candidates to complete an online assessment sent to their email from our third-party vendor, HireVue. To be considered, please complete the assessment within the allotted time. If you don't receive it after applying, check your spam folder. Assessment results are valid for 6 months. ACCOUNTABILITY STATEMENT The Member Solutions Representative contacts members to effectively reduce VyStar exposure to financial losses caused by delinquent accounts. Activities must be conducted in compliance with federal and state regulations. ESSENTIAL JOB FUNCTIONS Reviews delinquency reports and collection system information to determine appropriate collection activity to effectively collect monies due from members. Contacts members to discuss delinquency. Obtains information to effect collection on accounts and make up-to-date arrangements. Follows up regularly if debt not paid current. Skip traces difficult to locate members to establish contact by reviewing all relationships in Miser, free internet sites, and skip tracing tools. Submits the account to the skip tracing team to further locate member when preliminary methods are unsuccessful. Recommends to the Member Solutions Supervisor accounts for repossession review when necessary. Considers and recommends extensions and/or payment arrangements on delinquent accounts to bring due date current. Consults as needed with the Consumer Loan Modification Team regarding extensions, payment arrangements, and workouts. Reviews and recommends charge-off accounts to Supervisor, Manager and/or AVP. 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. JOB QUALIFICATIONS EXPERIENCE A minimum of one-year prior office/clerical experience plus minimum of one (1) year prior collection, call center, and or customer service experience is required. Familiarity with state and federal laws governing collection procedures are preferred. Assuming the above minimum experience, an incumbent selected for this position would need three months to be fully functional in the job. EDUCATION, PHYSICAL & MENTAL REQUIREMENTS The minimal formal education required is a high school diploma or its equivalent. Position requires interpretation of auditory sources of information, i.e., group meetings, telephone calls, manual dexterity to permit interaction with a computer keyboard, the ability to organize and interpret data, i.e., report and computer displays. JOB REQUIREMENTS The incumbent is required to complete all department defined Computer Based Training courses within 90 days from the hire date achieving a passing score of at least 80%. The incumbent is required to receive, review, sign, and return to their Collections Supervisor copies of the Attendance Policy, Vacation Policy, Dress Code, and Code of Ethics within the first 30 days of employment. KNOWLEDGE, SKILLS, & ABILITIES During the first six months of employment in the Member Solutions Department, the incumbent must be capable of demonstrating knowledge and skill in the following: How to navigate through Atlas (Miser) and know the basic speed keys. Basic desktop procedures for closing accounts. Basic desktop procedures for waiving late or nsf fees. Basic skip tracing skills How to open or close checking and savings accounts. Basic desktop procedures for placing flags on accounts and removal. How to access PSCU and check balance, delinquency, statements, and history. Proficient with Report Portal, Microsoft Office, and VeriFone During employment the incumbent must maintain a satisfactory attendance and performance record. 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. Commercial Credit Underwriter ll Incumbent's primary function is to effectively underwrite, analyze, and assess the risks for proposed and funded member business credits. The incumbent must effectively utilize their judgment, skills, and experience while analyzing complex business credit files including identifying financial trends, risks, and strengths/weaknesses. The incumbent must be highly knowledgeable regarding standard underwriting procedures, interpretation of financial data, appraisal reports, environmental assessment reports, and be proficient in interpreting legal documents to minimize risk to VyStar and within the portfolio. The incumbent must be knowledgeable of business lending state and federal regulations, as well as VyStar's policies and procedures, and apply this knowledge during their analysis of business credit requests and annual reviews to maintain compliance. The Commercial Credit Underwriter II will be responsible for underwriting and analyzing the larger and more complex business credits and, at times, reviewing credit files completed by the Commercial Credit Underwriter I. ESSENTIAL JOB FUNCTIONS Responsible for the independent, objective underwriting and review of business credits (Real Estate up to $8,000,000, lines of credit up to $250,000, equipment greater than $500,000 but less than $1,000,000 and vehicles up to $500,000). Possess an advanced understanding of all documentation submitted by borrower and/or prepared by VyStar to determine risks involved and clearly communicate analysis to proper loan approval authority. Assure credit quality is maintained throughout the business loan portfolio, including the maintenance of ticklers, reports, and forms. Continued education regarding the current and future economic conditions of industries borrowing money from VyStar Credit Union. Assemble pertinent information and reports for the Business Credit and Servicing Manager as required. Identify and make recommendations for process improvements, increased efficiencies, and quality service to ensure timely loan decisions. Maintain an ongoing knowledge of current regulatory, policy, and procedure changes. Perform to all established metrics, goals, and standards as outlined by department management and in VyStar Policy and Procedure. Work together with peers and management to provide quality service during both internal and external engagements. Perform annual loan reviews of existing portfolio to determine continued repayment capacity and potential risks. Responsible for thorough review and analysis of all appraisal reports and environmental assessment reports with all findings being documented and reported to the loan approving authority. Conduct annual field audits (collateral inspections) of existing portfolio to analyze collateral risk as required. Adhere to VyStar Credit Union and departmental policies and procedures. 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 Bachelor's degree with an emphasis in Accounting, Business, or Finance. Relevant work experience may be substituted on a 2:1 ratio in lieu of a BA/BS degree. Knowledge, Skills, and Abilities Minimum of six (6) years of experience in a business/commercial credit underwriting and analysis environment within a financial institution. 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. Basic understanding of generally accepted accounting practices. Knowledge of State and NCUA regulations. Excellent written and verbal communication skills. Must be a highly motivated, detail oriented, able to multi-task and work effectively and efficiently in a fast-paced environment. Must be able to successfully work independently with minimal supervision when required, as well as in a team environment. 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

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 Role Responsibilities: Reconcile assigned GL accounts; clear pending items within defined timeframes and complete month-end reconciliations within five (5) business days. Assist with month-end and year-end close (journal entries, accruals, account analyses). Contribute to quarterly Call Report preparation (schedules and supporting documentation). Serve as a back up to AP specialist and cross trained to process A/P and A/R; Maintain Fixed Asset subledger (additions, disposals, depreciation, roll-forwards). Provide documentation for audits/exams; support ad-hoc reports and departmental tasks. Collaborate with other departments to ensure accurate financial reporting. Identify and recommend process improvements for efficiency, accuracy, and control. Maintain strict confidentiality of financial and member information. Deliver exceptional service consistent with the Credit Union's standards. Qualifications: Bachelor's degree in Accounting, Finance, or related field. 3+ years of accounting experience (GL reconciliations, A/P, A/R, fixed assets) in a financial institution. Solid understanding of accounting principles and financial reporting. Proficiency in Excel (pivot tables, lookups, basic formulas) and accounting software. Strong attention to detail, organization, and deadline management. Clear, professional communication and a collaborative mindset. Preferred Credit union or banking experience; familiarity with Call Report schedules. Working knowledge of GAAP and internal controls. Experience with core/accounting systems (e.g., Jack Henry/Velera, Sage Intacct). Core Competencies: Accuracy & Compliance • Problem Solving • Ownership & Follow-Through • Integrity/Confidentiality • Service Orientation • Continuous Improvement • Cross-Functional Collaboration

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 Facilities Specialist to join our crew! Your Role in Our Mission: Inspect after-hours and weekend repair work completed by vendors. Assist the Maintenance Supervisor by reporting major repairs for budgeting. Schedule and perform preventive maintenance on equipment as directed. Maintain tools in excellent condition and remain aware of all utility and fixture cut-offs. Manage facilities requests, check web-based work orders, and order necessary supplies, furniture, and equipment. Ensure compliance with ADA, OSHA, and internal safety policies, promptly correcting any unsafe conditions. Perform daily repair work across all FAIRWINDS locations, including electrical, plumbing, HVAC, irrigation, roofing, flooring, interior/exterior lighting, doors, cabinets, and roof leak repairs. Diagnose and complete minor repairs or routine maintenance as needed. Conduct regular inspections of branch offices to identify and address maintenance needs. Support fire and emergency drills; use required safety gear; report incidents to the Facilities Manager. Pick up and deliver equipment for repairs and maintain accurate logs for all equipment. Live and model The FAIRWINDS Way values in everything you do. What Makes You a Great Fit: 4-6 years related experience Two year certificate from college or technical school preferred Proficiency with Microsoft Office Position may require the ability to lift 50lbs or more, as 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 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. 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 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. 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

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. * SELECTION PROCESS: As part of our preliminary recruiting process, we kindly ask candidates to complete an online assessment sent to their email from our third-party vendor, HireVue. To be considered, please complete the assessment within the allotted time. If you don't receive it after applying, check your spam folder. Assessment results are valid for 6 months. ACCOUNTABILITY STATEMENT The role of Contact Center Assistant Manager is pivotal in ensuring the smooth operation of our contact center. Working closely with the Contact Center Manager, this position assists in overseeing daily operations, ensuring top-notch member service, and achieving crucial performance metrics. The Assistant Manager provides invaluable support and guidance to our contact center agents, cultivating a positive and productive work environment. Additionally, they contribute to the development and implementation of strategies to bolster operational efficiency and customer satisfaction. Maintains a high level of participation within VyStar's leadership team and promotes reinforcement and support of decisions rendered by the credit union and/or management. *** Must be fluent in English and Spanish *** ESSENTIAL JOB RESPONSIBILITIES: Assists in managing day-to-day contact center operations, including call handling, email responses, chat support. Supervises and supports contact center agents (ranging between 10-20 team members), offering coaching, feedback, and training to optimize performance. Coaches, counsels, mentors, develops, and evaluates performance for a team of specialists to achieve expert customer service levels and achieve department goals. Gives continuous feedback to ensure employees are meeting and exceeding goals. Collaborates with the Contact Center Manager to develop and implement strategies for improving efficiency and service quality. Monitors key performance metrics, identifying areas for improvement and implementing action plans. Handles escalated customer inquiries promptly and effectively to ensure satisfaction. Assists in policy development to ensure compliance and consistency in service delivery. Generates reports and provide updates on contact center performance to management. Fosters a positive work environment, promoting teamwork and employee engagement. Stays updated on industry trends and best practices in contact center management. Exercises great judgment and discretion within well-defined limits and works with relative independence to accomplish tasks. Resolves member problems independently and escalates more complex concerns. Works cooperatively in a team environment with the ability to balance between individual, team, and key business priorities. 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 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 were exceeded. Verify necessary follow-up action. JOB QUALIFICATIONS EDUCATION High School Diploma or GED is required. Associate degree preferred. EXPERIENCE 3+ years of experience in sales and/or customer service role is required. Experience leading a team of direct reports is preferred. Contact Center and/or financial institution experience preferred. Candidates with 3+ years of experience and successful completion of an interim leadership or temporary supervisory assignment will be considered. JOB KNOWLEDGE, SKILLS & ABILITIES Ability to process accurate transactions and requests. Must possess and utilize excellent listening skills, verbal, and written communications skills. Proficient in the use of the Internet and Microsoft Office. Must have an outgoing personality and a strong desire to help people. Must be professional in appearance and attitude. Must be able to handle many tasks in a fast-paced environment. Must possess strong critical thinking and decision-making abilities. Must be willing to work a flexible schedule that includes rotations of shifts with peers. Must be willing to work from multiple contact center locations based within the VyStar footprint. 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

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 Essential Functions & Responsibilities Provide outstanding Bright Service to each internal and external member as defined by our Service Standards and Promises. Responsible for processing and appropriate disposition of fraudulent items by gathering information and presenting documentary evidence accurately and timely. Works with members to identify transactions, identify potential suspects, complete necessary documentation, and eliminate future fraudulent transactions. Responsible for promptly reviewing all fraudulent transactions, including checks, bill pay, credit cards, shared services, ACH, wires, account takeovers, and red flags. Responsible for analyzing fraud trends and tracking losses resulting from fraudulent transactions. Collaborate in investigations with the BSA Department to ensure cases and reports are appropriately documented utilizing the Credit Union's AML software. Responsible for completing necessary forms for submitting claims to the insurance company. Provides documentation on non-insurable losses and initiates charge-off of items determined to be non-collectible. Contribute to achieving business service objectives by supporting those areas of the credit union that services the business client. Demonstrates understanding of business services functions and knowledge of business deposit and lending products Maintain knowledge with B.S.A. Compliance training. Other job-related duties as assigned. Performance Measurements: Provide outstanding service to internal and external members as defined by our service standards and promises. Provides credits/debits promptly to ensure the department complies with Reg E deadlines. Ensure that all cases are received in the portal by FIS. Challenge chargebacks/denials by providing all necessary information relating to claims and chargeback queries if required. Provide information to credit union employees on current fraud trends, detecting fraudulent activity, and how to handle fraudulent claims. Maintain knowledge with continued training and maintaining certifications. Minimum Expectations of Knowledge and Skills: Experience - One year to three years of similar or related experience. Education - (1) A two-year college degree, (2) completion of a specialized certification or licensing, (3) completion of specialized training courses conducted by vendors, or (4) Minimum of two (2) years of work experience. Interpersonal Skills- Work involves personal contact with others inside and/or outside the organization for first-level conflict resolution, building relationships, and soliciting cooperation. Discussions involve more confidentiality and discretion, requiring diplomacy and tact in communication. Other Skills- Effective verbal and written communication with employees, other organizations, and the public to explain generally established policies, procedures, and systems. Must know regulations and procedures related to fraud investigation. Must know about check clearing and return-item regulations. 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 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 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. 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. Mortgage Loan Underwriting ManagerACCOUNTABILITY STATEMENT Holds a leadership role and acts as the primary leader for the Mortgage Loan Underwriting staff. Provides training, technical guidance and coordinates daily assignments for mortgage loan underwriters. Coaches and counsels underwriters to ensure the highest level of accuracy and quality are achieved on every loan file in the underwriting process. Monitors loan pipeline, assigns files to underwriting team to ensure Service Level Agreements are achieved. Works closely with the closing and processing teams to resolve any issues and identify opportunities for operational improvement. Monitors daily attendance and timecard reconciliation to ensure compliance with credit union tardiness and attendance guidelines and approves all requests for PTO. Must be well versed in and responsible to ensure we comply with all secondary market loan requirements, all State and Federal regulatory requirements, all private mortgage insurance requirements as well as VyStar mortgage lending policy and procedures.ESSENTIAL FUNCTIONS Manages mortgage underwriting 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 underwriting to ensure all production deadlines are adhered to. Schedules and assigns work to improve productivity as needed. Review and decision mortgage applications originated within the Mortgage Department, Call Center, Branch network or the Internet. Must be able to recognize credit requests that do not meet residential mortgage loan criteria. Identify mortgage loan applications that are not approvable under residential mortgage lending policies however, may be approvable under Business Service guidelines, When appropriate, loans may be referred to Business Services. Assist processors/mortgage loan officers in determining acceptability of various mortgage applicants prior to the complete processing of files and offer alternatives as appropriate. Responsible for all training of underwriting staff to ensure compliance with state and federal regulations, secondary market underwriting guidelines, and private mortgage insurance company guidelines. Responsible to train, mentor, and coach underwriting staff to ensure the team is knowledgeable, proficient, accurately, and timely in underwriting and rendering a loan decisions on assigned files. Work with Mortgage Management to provide training to mortgage and credit union staff. Monitors the workload in the underwriting unit to ensure underwriters are meeting underwriting benchmark (i.e. turn time) expectations as communicated by management and allocates assigned loans to ensure an even distribution of work in the underwriting unit. Works with management to review underwriter performance benchmarks for underwriter production. Tasked with monitoring underwriter performance and providing reports to the Mortgage Origination Supervisor and/or Mortgage Origination Manager. Conducts periodic reviews of approved and denied loans to ensure underwriters are rendering loan decisions consistent with the level of risk communicated by management for the loan programs offered. Meets with the Mortgage Origination Supervisor and/or Mortgage Origination Manager to discuss the findings of the review. Identifies critical issues and makes judgment calls within approval limits and guidelines. Provides support to mortgage department and credit union staff by answering questions on mortgage loan program requirements, judgment decisions, and compliance related questions. Incumbent must be thoroughly familiar and stay abreast of any and all changes pertaining to secondary market, state/federal regulations and private mortgage insurers at all times. Demonstrated knowledge to restructure loan to render favorable loan decision, when possible. Cross-sells other credit union services. Prepares and presents annual evaluations for underwriting staff. 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 Mortgage Origination Supervisor, Mortgage Origination Manager and department Vice President regarding process improvements, quality service and increased efficiencies within the processing unit. Performs the activities and projects as assigned and requested by the Vice President Mortgage Lending. Works with the Vice President Mortgage Lending to ensure underwriters are performing in accordance with the established guidelines/benchmarks in relation to acceptable/reasonable delinquency and loss ratios Perform 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. JOB KNOWLEDGE, SKILLS & ABILITIES Requires a minimum of four years in a mortgage underwriting role, preferably with supervision/management experience. Applicants must be detail oriented and be a self-motivated. Must be well versed in state and federal regulations governing mortgage origination, secondary market selling guidelines, and private mortgage insurance requirements. Applicants must have positive, well-developed effective communication skills, both written and oral, be detail oriented, demonstrate good organizational and reflective listening skills, the ability to work in a fast paced environment, and proven ability to work with others. Must have professional conduct and appearance. Must work under the philosophy of “people helping people” and be able to effectively communicate with members on all levels. Working Knowledge of various Microsoft Office applications. Demonstrated proficiency in using a personal computer. Incumbent will be required to develop a proficiency in using the various software applications and web solutions utilized by the Mortgage Department in completing daily tasks and responsibilities associated with underwriting. EDUCATION The minimum formal education required is Bachelor's Degree. Experience may be substituted at a 2:1 ratio. Specialized classes in mortgage lending beyond the college level will be required to be completed within one year of entering the Underwriting Manager position. Continuing education via local conferences and workshops is required for updates on federal regulations and secondary market requirements. The successful candidate for this job must have excellent communications skills and should have the ability to interface with other staff members to ensure smooth work flow. Continuing education via local conferences and workshops is required for updates on federal regulations and secondary market requirements. Equipment to be used in the daily performance of job duties include HP calculator, PC, and copy machine is required. Must be able to work independently on a 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

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

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 Essential Functions & Responsibilities The primary responsibility of this position is to positively impact members' financial well-being by delivering the highest standard of service to both internal and external members. The role is accountable for the administration and maintenance of the credit card portfolio, including daily operations, monthly tasks, and annual processes. Additionally, the position will support leadership through project assistance, research, and the identification of opportunities for process and portfolio enhancements. This role will also provide backup support for debit card portfolio maintenance, share draft processing, check 21 operations, and other electronic payment services as assigned. Essential Functions & Responsibilities: Deliver exceptional service to internal and external members in alignment with the organization's Service Standards and Promises. Support the daily operations of the credit card portfolio, including processing new credit card applications, balance transfers, and facilitate debit and credit cards ordering and reissuance. Maintain, review, and reconcile required daily, monthly, and quarterly reports. Maintain current knowledge of card-related regulations, policies, and procedures. Assist in drafting and updating departmental procedures. Provide support to team members in resolving routine and complex issues related to the EFT products. Oversee and audit card orders to ensure accuracy and compliance. Serve as back up for other Card Specialists and the Adjustment Specialist as needed. Perform additional duties and responsibilities as assigned. Performance Measurements: Provide exceptional service to internal and external members, in accordance with the credit union's Service Standards and Promises. Perform assigned responsibilities accurately and in compliance with established departmental standards. Acquire and maintain sufficient knowledge of credit cards, debit cards, and check processing functions to provide effective backup support. Ensure compliance with all Bank Secrecy Act (BSA) and anti-money laundering (AML) policies and procedures. Employees are expected to remain alert to unusual or suspicious activity relevant to their department and to complete all required training, including annual online BSA and OFAC courses as assigned by the Training and/or Compliance Departments. Maintain comprehensive knowledge of the Bank Secrecy Act, Customer Identification Program, USA Patriot Act, OFAC, Fair Lending, and the Credit Card Act. Minimum Expectations of Knowledge and Skills: Experience: One year to three years of related experience. Education: (1) A two-year college degree, (2) completion of a specialized certification or licensing, (3) completion of specialized training courses conducted by vendors, or (4) job-specific skills acquired through an apprenticeship program. Interpersonal Skills: Requires frequent personal contact with individuals inside and outside the organization to resolve first-level conflicts, build relationships, and solicit cooperation. Work involves a high degree of confidentiality and discretion, requiring diplomacy and tact. Other Skills: Ability to work independently and exercise good judgement, initiative, and tact in dealing with members, supervisors, and staff. Ability to multitask and to prioritize many daily functions, while working with conflicting deadlines. Must have excellent communication, member service, and human relations skills. Must have basic knowledge of Excel and Word applications. Must have proficiency in data entry, using various applications. 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 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 may occasionally be required to stand, stoop, kneel, or crouch. The employee may occasionally lift and move up to 10 pounds. Specific visual abilities necessary for 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.

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 Role Responsibilities: This position assists the Member Service Center Manager in the daily operations to provide excellent member service. Supports the department by evaluating and updating operational policies and procedures. Ensures ongoing service excellence and process efficiency through continuous improvement. Leads, coaches, and develops team members, enabling them to achieve personal and departmental goals. This position also requires a proficient understanding of managing the contact center environment and utilizing contact center-specific tools and technology. This position will include regular data reporting, project management assistance, managing multiple requests and tasks of varying size and complexity. Ensures that members are provided with timely, accurate information and problem resolutions. Key Responsibilities: Demonstrate initiative and ownership when handling escalated member issues, complex problem-solving, or high-priority tasks for the team. Collaborate with the Member Service Center Manager to meet or exceed performance goals and uphold all compliance and operational standards. Serves as a tier two escalation point to resolve member concerns and ensures appropriate escalation and resolution when necessary. Creates a performance climate, assists with team goal development, and directs the performance of the team to achieve established goals and service levels. Tracks the team member progression towards monthly goals and provides timely and accurate reporting to the Member Service Center Manager. Ensure the quarterly individual development plan is completed promptly. Support team members in delivering effective referral strategies that increase membership and deepen financial relationships. Monitor information that staff provides to membership to ensure accuracy and initiate training as needed. Prepare written performance appraisals as required, recommend salary adjustments or disciplinary actions. Identifies and takes action to improve the department's operating methods and procedures Maintain a working knowledge of technologies, both internal and external, that will drive department performance and efficiency. Participates in the interviewing, hiring, and training of the team as necessary. Approve team member timecards and time off requests following department guidelines. Maintains adherence to performance documentation requirements to ensure the timely recognition of excellent performance and mitigation of performance issues or challenges. Meets with team members monthly to review their performance and create action plans as needed Performs other related duties as assigned. Maintain knowledge with B.S.A. Compliance training. Qualifications: Strong analytical skills and attention to detail. Excellent written and verbal communication skills. Detail-oriented with a commitment to accuracy, integrity, and accountability Proficient with Microsoft Office Suite (especially Excel, Word, PowerPoint, and Outlook). Ability to develop others and create an environment where the team thrives. Proven success in sales, service, and relationship-building; comfortable coaching others to do the same. Capacity to work collaboratively with all levels of staff and maintain confidentiality and professionalism. Demonstrated understanding of contact center metrics, coaching and feedback strategies, and service excellence values. Proven ability to handle a high volume of member interactions with patience, positivity, and accuracy. Comfort with technology, including the ability to navigate multiple systems, use online banking tools, and troubleshoot digital platforms with members. Strong problem-solving skills and sound judgment when handling member concerns and sensitive information. Highly organized, goal-oriented, and driven by both results and team success. Comfortable collaborating with leadership to build strategies and contribute to long-term planning. Proven track record of high performance in a member-facing and/or leadership role. Work Environment & Schedule: Must be able to work flexible hours, including early mornings and Saturdays as needed to support the department. Hybrid or on-site schedule depending on operational needs. Education & Experience: High school diploma or equivalent required; associate or bachelor's degree preferred. 2-3 years of previous experience in a supervisory or management capacity in a contact center environment, preferably in a financial institution. Physical Requirements: The physical demands described here represent those that 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 may occasionally stand, stoop, kneel, or crouch. The employee may occasionally lift and move up to 10 pounds. Specific vision abilities this job requires include close vision and the ability to adjust focus. 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, O.F.A.C., Fair Lending, and Credit Card Act. 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. Financial Planning & Analysis Analyst IIACCOUNTABILITY STATEMENT The incumbent will be the part of the Financial Planning & Analysis team and assist the Financial Planning Manager/AVP/VP, Financial Performance Manager/AVP/VP and/or SVP Financial Planning, Pricing and Profitability in carrying out the broader Finance department mission. The FP&A function refers to the corporate finance and planning imperative. FP&A creates balanced scorecards, and leads capital budgeting for new products, investments and ad hoc projects. FP&A leads the annual operating (AOP), or budget, process and long-term planning exercises including tracking variances. These duties require building and maintaining different models with business intelligence tools including Workday Financials, Workday Adaptive Planning, Empyrean Profitability Model, VyStar data lake and other sources of data/modeling. The FP&A team will work closely with the Financial Risk Management (FRM) team, Advanced Analytics team, Accounting and other business units. FP&A also maintains documentation of all models and methodologies, including a model catalog with documentation and testing of all model changes. The incumbent will support the FP&A function, at the direction of the Financial Planning Manager/AVP/VP, Financial Performance Manager/AVP/VP and/or SVP Financial Planning, Pricing and Profitability. ESSENTIAL FUNCTIONS Financial Planning & Analysis: · Assists and performs duties with the budget cycle, formally known as the Annual Operating Plan (AOP) process: o Interacts with key stakeholders and business units to derive key inputs, etc. o Assists with and helps produce the AOP package including financial statements, ratios, analysis, etc. o Assists in supporting decision-making regarding capital expenditures including branch pro-forma analysis. o Pursues tactics for streamlining and automating AOP process to reduce operational risks. o Assists in maintaining a rolling corporate forecast for non-interest income and non-interest expense to be included in the ALM model. o Assists in business planning cycle, including but not limited to forecasting, and validating expected ROI, capital expenditure and challenging assumptions. o Assists in automation of data gathering, reports and presentations to include financial statements, variance reporting, ratios, slides and other analysis. · Performs and maintains historic and forecasted profitability processes. o Conducts organizational, product, channel, and member-level profitability analysis. o Maintains Key Metric and Key Ratio analyses such as Net Worth Ratio, Net Interest Margin, Return on Assets, etc. o Assists in researching and seeking improvements to profitability process and systems, including enhancements such as liquidity-adjusted Funds Transfer Pricing. · Assists with documentation of FP&A processes, procedures, models, and best practices. Financial Decision Support & Reporting: · Ability to translate business data into digestible and actionable information. · Conducts peer and market comparisons, benchmarking and other analysis. · Take ownership of maintenance and validation of data sources to ensure completeness of data for planning and forecasting purposes. · Promote continual process improvements and automation. · Assists in producing and streamlining management reporting efforts. · Develop clear and concise written and numerical analysis of all planning results for business units, ALCO, Executive Committee, and other management committees as directed. · Documenting all work processes and models used for FP&A purposes. · Assists the Finance team with requirements for the annual regulatory examination by the State of Florida and NCUA. 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 client's or member's needs and objectives. Advance: Ensure that member's expectations were exceeded. JOB KNOWLEDGE, SKILLS & ABILITIES Required: · Avid and positive team player that works well across multi-disciplined organization. · Strong communication skills including presentation, interpersonal and writing skills. · Strong analytical capabilities with strong knowledge of accounting and financial statements are essential. · Knowledge of bank / credit union budgeting and planning practices. · Superior skills in Word, Excel and PowerPoint. · Ability to work with both finance and non-finance professionals. · Ability to work independently and is a self-starter. · Exhibits flexibility and willingness to take on new responsibilities and assignments. Preferred: · Knowledge of Planning Software, preferably Workday Adaptive Planning/Workday Financials or other similar models. · Knowledge of profitability software, preferably Empyrean Profitability Model or other similar models. · Knowledge of business intelligence and statistical tools such as SQL, R or SAS. EDUCATION Required: · Bachelor's degree in finance, Accounting, Economics, or related area. · 0-3 years of bank or credit union related experience. · Preferred: · Obtained or working towards Master of Business Administration (MBA) or master's degree in a Quantitative or finance discipline. · Working towards advanced certifications including but not limited to CFA or CPA. 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. As a Member Service Specialist for our Clermont 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.