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$1000 Signing Bonus effective 1/20/2024 Note: All full-time positions include exceptionally low medical premiums in addition to a whole host of other benefits. HOURS FOR POSITION: Monday - Friday 8:00am-4:30pm Hiring Range - $31.66/hr - $39.57/hr Summary of Position This position is responsible for providing professional executive-level administrative and project support services for the SVP & Chief Financial Officer (CFO), SVP & Chief Information Officer (CIO), and VP/Director of Marketing & Business Intelligence. The incumbent ensures efficient coordination among these divisions by managing priorities, anticipating needs, and supporting the strategic and operational planning processes. This position also assists in preparing senior leadership and Board presentations, managing divisional budgets, and providing coordination among key departments to advance Tower's mission and strategic priorities. The position requires exceptional attention to detail, effective communication, technical expertise, responsiveness, initiative, and sound judgment in handling sensitive matters and problem solving. The incumbent must exercise discretion and anticipate requirements rather than waiting for direction, ensuring that the executives are consistently well-informed, well-prepared, and supported in advancing Tower Federal Credit Union's strategic initiatives. Principal Accountabilities and Functions Provides comprehensive, executive-level and proactive administrative support to the CFO, CIO, and VP/Director of Marketing & Business Intelligence. Manages and prioritizes complex senior leadership calendars and schedules meetings to optimize executives' time and alignment across divisions. to include media or community events where senior leadership is present. Anticipates scheduling conflicts, monitors executive commitments and deadlines, and ensures timely preparation of materials and follow-up actions. Facilitates leadership meeting logistics. Monitors and manages divisional budgets for Finance, Information Technology, and Marketing & Business Intelligence, tracking expenses, forecasting, and preparing monthly variance reports for executive reviews. Screens calls, correspondence, and visitors; provides information or resolves issues directly when possible. Prepares internal and external correspondence to include business unit summaries and edits executive-level presentation materials for internal and Board meetings by stated deadlines. Coordinates briefing materials in advance of Board or leadership meetings, ensuring executives are well prepared. Exercises judgment and communicates effectively on behalf of the executives to staff, Board members, vendors, and external partners. Coordinates the meeting scheduling and logistics and preparation and distribution of agendas, materials, and accurate minutes for Asset/Liability Committee (ALCO), Liquidity, IT Steering meeting, and other divisional-related meetings. Prepares and maintains financial reports, dashboards, and other confidential materials for Board and management review. Supports departmental compliance documentation and maintains confidential ALCO and Finance files in accordance with NCUA and internal policy standards. Manages divisional intranet updates and assists with internal communications Coordinates sponsorship and donation requests, verifying compliance with Tower's policy before disbursement. Plays an integral role in supporting and managing the strategic planning session process-including scheduling, logistics, preparation of supporting documentation, and follow-up reporting for the Spring and Fall Planning Sessions. Assists in gathering data, preparing reports, and drafting presentations in support of key strategic, financial, and technological goals. Supports the annual and mid-year planning cycles by compiling divisional budget summaries and variance analyses to inform strategic discussions. Coordinates and attends executive-level meetings; takes accurate minutes and ensures timely follow-up of action items. Prepares, formats, and edits correspondence, reports, and presentations of a confidential or technical nature. Maintains secure and organized divisional and corporate files for senior leadership team members. Coordinates domestic and out-of-town travel arrangements for executives, including transportation, lodging, conference registrations, and itineraries. Prepares expense reports and processes reimbursements accurately and in a timely manner. Maintains record of training, certifications, memberships, and subscriptions for the SVP & CFO, SVP & CIO, and VP/Director of Marketing & Business Intelligence. Acts as liaison between the executives and other departments to facilitate workflow, communication, and accountability. Provides guidance and coordination among other administrative support staff to ensure quality, consistency, and timeliness of deliverables. Provides backup support to other senior leadership administrative assistants. Required Qualifications Associate degree. Minimum of five (5) years of progressively responsible experience supporting senior-level executives, preferably across multiple divisions. Demonstrated experience managing complex schedules, preparing executive reports, and coordinating high-level meetings. Demonstrated experience supporting divisional budget management, including expense tracking and variance reporting; forecasting experience preferred. Proven ability to anticipate needs, manage priorities, and maintain accuracy under pressure. Excellent written and verbal communication skills. Strong project management, organization, and time management skills. Ability to handle confidential information with discretion. Or equivalent combination of education and experience Knowledge, Skills and Abilities Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint, Outlook, Teams). Proficiency in Adobe Acrobat in preparing, editing and merging several documents to create meeting packages for participants. Proficiency in preparing executive and Board-level presentations (Microsoft PowerPoint, Excel dashboards, and visual reporting). Experience managing complex executive calendars and prioritizing competing demands. Strong analytical and problem-solving ability with meticulous attention to detail. Ability to work independently and collaboratively in a high-paced executive environment. Demonstrated initiative and critical thinking; able to identify issues and develop proactive solutions. Ability to manage multiple priorities and meet deadlines with minimal supervision. Familiarity with project management tools or board portals (e.g., OnBoard, PlanView, SharePoint). Working knowledge of financial systems, spreadsheets, and data reconciliation. Ability to maintain a working document outlining daily, weekly, and monthly tasks and procedures. Sound knowledge of credit union policies and procedures, and adherence to regulations related to the Bank Secrecy Act, USA PATRIOT Act, and OFAC. Professional demeanor, excellent judgment, and strong interpersonal skills. Commitment to Tower Federal Credit Union's mission, values, and member service excellence. Has knowledge of and adheres to credit union policies and procedures and all regulations related to the bank Secrecy Act, the USA Patriot Act and OFAC. Working Conditions Ability to work the hours needed which may extend beyond the defined work schedule when operating conditions dictate. Ability to lift up to 15 lbs., with or without assistance, in compliance with ADA. Primarily office-based role requires frequent interaction with senior executives and multiple departments.

$1000 Signing Bonus effective 1/20/2024 Note: All full-time positions include exceptionally low medical premiums in addition to a whole host of other benefits. Monday - Friday 8:00am-4:30pm Hiring Range - $130,158 - $162,698 Summary of Position The AVP, ACH & Item Processing is responsible for overseeing and coordinating the operations of two critical departments: ACH and Item Processing (Payments). This role ensures that Tower Federal Credit Union effectively serves its members and lines of business by addressing inquiries, handling tasks, and managing projects. The AVP also ensures compliance with various regulations, including State and Federal laws, privacy guidelines, multiple network regulations (such as Reg CC, Reg E, UCC, and Reg D), NACHA (National Automated Clearing House Association) guidelines, Zelle EWS Participation Rules, and instant payment operations through the real-time payment networks. This position is responsible for the timely handling, accurate accounting, and balancing of designated networks, ensuring the performance of operational procedures and overseeing general ledger accounts to support efficient production workflow. This position is responsible for identifying discrepancies in the output of Fiserv's Frontier application related to ACH and check processing. Responsible for analyzing historical and future trends to prepare the annual budget, monitoring, documenting and mitigating variances. Principal Accountabilities and Functions Manage and coordinate the utilization of Tower's ACH, Item Processing and real-time payment products to deliver effective services to Tower Federal Credit Union members. This includes overseeing real-time and batch transaction processing through the Federal Reserve Bank, Fiserv NOW Network, Vertifi RDC, TCM& SCO Check 21, and Zelle Network and EWS Participating Rules. Provide support to internal lines of business (LOBs) in areas such as operations, settlement, reconciliation, and project management related ACH and payment services. Based on Accounting reconciliation of the Federal Reserve General Ledger, differences are identified related to ACH and check processing. Maintain and balance designated networks and general ledger accounts. Manage relationships with external partners and administer various payment platforms to ensure member satisfaction and service delivery to Tower. This includes: · Automated scheduler software for processing ACH and check files. · Administration of three Zelle platforms (Compass, Client Central, and the Dispute Portal. · Co-Administration of two Check21 platforms (TCM and SCO). · Co-administration of the ITM platform (TG Server). In addition, this position collaborates with IT for testing day-to-day processes, ensuring effective 3rd party software upgrades/releases and other department-related functions. Ensure compliance with all relevant regulations and maintain due diligence procedures to guarantee accurate and timely ACH clearing, check processing, and handling of reclamation of U.S. Department of the Treasury. Oversees dispute processing for ACH, check processing, and Zelle payments. While maintaining the Federal Reserve ACH and Check processing schedule. In addition, maintain and periodically test the Business Contingency Plan for the ACH & Item Processing (Payments) unit, supporting Tower's overall business continuity plan. Proactively manage ACH and payment services to ensure proper check clearing and ACH postings to members' and general ledger accounts. Ensure that check images are digitally captured and accessible through digital banking and stored for appropriate record retention period. Participate in the research, development and execution of Tower's payment strategy. Analyze past and projected trends for budget preparation. Monitor the budget periodically, documenting and addressing variances to ensure financial alignment with Tower's objectives. Manages the ACH & Item Processing department, coaching, mentoring, evaluating and supporting career development of the members of the team. Required Qualifications Bachelor's degree and a minimum of 5 years progressively responsible operations experience Minimum of 5 years supervisory/management experience in a financial institution -wide policies and procedures and responsible area. Or combination of education and work experience, to include 5 years of operations experience Accredited ACH Professional (AAP) required and preferred upon hiring. If incumbent does not have certification upon hire, they have 36 months from date of hire to obtain the certification. National Check Professional and/or Payment Professional Certification (FFP) preferred, but not required At time of hire must be able to effectively demonstrate a knowledge of payment processing and the rules and regulations that are applicable including Federal Reserve operating procedures and circulars, the NACHA ACH rules, including the Greenbook, UCC in relation to check processing and return handling, Regulation CC as it applies to funds availability, Regulation E as it applies to dispute management, Regulation D, EWS Zelle Participation Rules, rules as they apply to RDC including privacy policy and being PCI compliant, and others rules as they apply to future payment types. Basic knowledge around collections and handling charge offs. Knowledge, Skills and Abilities Proficiency in the use of standard Microsoft Office applications including Word, Excel, PowerPoint and Visio with proven ability to efficiently enter, sort and extract data to understand the application of the information and interpret for other uses derived from data base systems. Requires independent decision-making and extensive knowledge of ACH, check and payment processing, as well as accounting, technical knowledge of core banking system and 3 rd party applications. Ability to document processes and workflows, develop reports, business correspondence, and procedures for a diverse audience using common tools such as Visio, and other MS Office products. Ability to present ideas\concepts and interact effectively with technical and non-technical users at all organization levels, including statistical reporting. Deep knowledge of payment processing, including ACH processes, check processing, instant payments, and charge off processing, with an understanding of files, deadline requirements, dispute management, and handling deceased payments within industry standards and practices. Strong foundation in balancing for settlement of processes, and reconciliation of main general ledger. Ability to accurately apply accounting rules and procedures, reconcile, and balance transaction records and settlement, and assist in locating discrepancies in the reconciliation of the Fed account. Must be proficient in core applications and inter-related systems required to support products within both departments. This includes technical knowledge around batch processes, notices, and reports, as well as parameters, in the core system and their functionality. Ability to independently serve as a Deposit Services resource for more complex system related issues and troubleshooting. Ability to research and analyze various types of information sources, reach reasonable conclusions, and take appropriate actions independently. Ability to develop, edit, update and interpret functional procedures for a diverse audience with an exceptional ability to define problems, collect data, establish facts and draw valid conclusions independently and to develop solutions for problems with abstract variables in ambiguous or novel situations without regular management oversight. Ability to interact directly with employees, vendors, and members with tact, sensitivity, respect, and confidence in one-on-one situations or group settings reflecting a self-confident, articulate and professional demeanor. Proficiency to present information, respond to questions from a diverse group of employees and/or Supervisors, AVPs and vendors at various organizational levels to influence opinions and/or build a basis for decision making as well as champion the correct resolution for all stakeholders when needed. Proficient ability to effectively plan, prioritize and manage multiple and diverse tasks to meet established deadlines and quality standards with minimal direction to accommodate competing deadlines that continually change with a high degree of accuracy and attention to detail. Ability to allocate and manage resources effectively, within budget parameters as well as develop, manage, document and proactively resolve budget variances. Ability to develop action plans and organize workload, of self and others, to accommodate competing deadlines and projects under stress with appropriate emotional intelligence. Ability to give objective and constructive feedback effectively, as well as receive feedback and provide suggestions for enhanced communications to facilitate group discussion and gain consensus. Ability to effectively negotiate on behalf of the organization and maintain contracts per Purchasing Contract Review Policy. Ability to initiate and follow through with Individual Development Plans (IDP) for assigned staff, and serve as a coach, evaluator and mentor for increased performance and growth. Ability to maintain sensitive and confidential information Has knowledge of and adheres to credit union policies and procedures and all regulations related to the bank Secrecy Act, the USA Patriot Act and OFAC. Working Conditions Ability to work the hours needed which may extend beyond the defined work schedule when operating conditions dictate. Ability to lift up to 15 lbs, with or without assistance, in compliance with ADA. Office environment with phone interaction both internally as well as externally with members.

Note: All full-time positions include exceptionally low medical premiums in addition to a whole host of other benefits. Tower is offering a $1000 Signing/Retaining bonus as of 1/20/2025. HOURS FOR POSITION: Monday - Thursday 8:45am-5:15pm, Friday 8:45am- 6:15pm, Saturday 8:30am-1:30pm on rotational basis. Alternating Wednesday/ Saturday off . Hiring Range - $22..24/hr - $27.80/hr THIS IS AN ON-SITE ROLE AT TOWER The Branch Specialist Travels to all branch locations as well as the Member Service Center, serving in multiple branch roles as a MSR, Teller and Branch Representative, on as as needed basis. The Specialist must be highly flexible as hours vary by branch location. This position receives a 10% float differential for hours worked, in addition to hourly rate. Please complete the link in a separate window for the assessment: Branch Specialist Floater **************************************************************************************************** SUMMARY OF POSITION: This summary reflects the Specialist I (Grade 6) Specialist II (Grade 7) and Specialist III (Grade 8) Supplemental information will be used to determine appropriate grade designation. The Branch Specialist is an important role that that requires a dependable and flexible incumbent that is capable of travelling to all Tower community and sponsor branches and Member Service Center with ability to perform the tasks of each position relevant to and necessary to meet business needs. Cross-selling a full range of financial products and services and maintain individual sales and referral standards is integral to meeting company goals. Performs administrative duties, system data entry and information retrieval, ensures compliance with Federal and State regulatory statutes, as well as internal policies and procedures. The Specialist must be aware and follow security procedures for all locations. Acts as primary contact for all potential, new, and existing members and executes all types of share and loan services, accepts various applications, determines membership eligibility, and makes sound recommendations for lending. A broad scope of knowledge about products, services, regulations and the overall functions and procedures of branches and other operational departments is required. The Specialist provides on the job coaching where applicable to support branch needs. Delivers training evaluation and guidance for both new and existing Teller and MSR employees. Under the direction of Manager, Branch Operations provides ongoing coaching support to Specialist team to meet and maintain departmental sales goals. Provides ongoing support to Manager, Branch Operations and Manager, Business Systems with direct input for testing of system upgrades, releases and operational process improvements. Assists with development of procedures for same. As directed by the Manager Branch Operations, provides support to other TFCU departments, on an as needed basis, to support special initiatives, projects or departmental vacancies. PRINCIPAL ACCOUNTABILITIES AND FUNCTIONS: (Specialist I: Effective performance in the following is required: Teller, Branch Representative, Branch MSR, Notary Public for the State of Maryland) (Specialist II: all functions of Specialist I position in addition: acts as Senior MSR/ Senior Teller, On the Job Coach for new and existing Tellers, Peer Coach for Branch Specialist I) (Specialist III: all functions of a Specialist I and II in addition: acts as Teller Supervisor, Assistant or Manager, On the Job Coach for new and existing MSRs, Peer Coach for Branch Specialist II, Supports Business Systems upgrades and development through testing and implementation support) 1. Serves as a primary contact for all potential, new and existing Members and services all share and loan requests. Performs teller duties and maintains teller standards (All) 2. Interviews, evaluates and underwrites loan applications for all types of consumer and home equity loans. (All) 3. Cross-sells a full range of financial products and services to Members. Meets and maintains sales goals as determined by V.P. Branch Administration. Initiates telephone and/or direct mail contact to new and existing Members to enhance the relationship, ensure satisfaction, and cross-sell additional products. (All) 4. Ensures proper identification and eligibility requirements of members by following Credit Union policies and procedures for member Identification and follows established security measures to guarantee the confidentiality of our membership.(All) 5. Performs administrative and teller duties to support an outstanding level of member service, where timeliness, accuracy and follow-through are critical ensuring compliance with all Tower policies and procedures and Federal and State regulatory statues. Demonstrates proficiency with all required systems and ensures all entries are complete and accurate.(All) 6. Provides on the job coaching, evaluation and documentation of the achievements of new and existing Tellers and MSR's. Communicates job readiness of employee to branch supervisors, Manager, Branch Operations, and Training/OD) Supports both new and existing employees on the job, to enhance skill level, ensure optimum performance and/or diagnose performance issues. - (II ,III) 7. Responsible for timely follow up with new and existing Teller or MSR employees to help ensure successful transfer of skills and knowledge from training to the job. This will require collaboration with the supervisors and seniors evaluating and coaching employees on the job, where applicable, to assess and identify the need for additional training or other learning to meet requirements. - (Branch Specialist II, III) 8. Provides direct support to Manager, Branch Operations to test system enhancements and provides reporting on findings to ensure effective resolution. ( III) 9. Under the direction of Manager, Branch Operations assists with updates to trainings materials related to system enhancements and resources and provides coaching regarding procedural changes to front line staff. ( III) 10. Responds promptly to member inquiries and requests and performs file maintenance for information regarding a full range of products/services to include: savings, checking, certificates, IRAs, loans, etc.(All) 11. Interviews, evaluates and recommends to Members TFCU products, services and loans to adequately meet the needs and financial goals. Advises Member of relevant account features and/or restrictions and discloses all pertinent account information required by law.(All) 12. Researches and resolves account problems and discrepancies to include error resolutions, and fraud/ACH affidavits. Makes necessary corrections and resolutions, as appropriate.(All) 13. In Branches where Safe Deposit service is available, responsible for the opening, closing and file maintenance of all Safe Deposit boxes for the membership in compliance with Credit Union policy and security procedures. Provides Members access to their safe deposit boxes in compliance with Credit Union policy/procedures.(All) 14. Determines the credit worthiness of applicants, evaluates the sufficiency of collateral, verifies that the required documents have been received and completes and prepares disclosures, Truth and Lending statements, financing statements, addendums, liens and any other loan documents needed for disbursement.(All) 15. Possesses knowledge and ability to perform and/or assist with balancing and audits of ATM at all branch locations. Adheres to standards and guidelines for controls in place for same. (All) 16. Possess good verbal and written skills to include the ability to compose, prepare and send correspondence to the membership.( All) 17. Responsible for the security of negotiable instruments to protect TFCU assets(All) 18. Will be required to balance the branch, ATMs and ensure all negotiable instruments are secured in the vault. 19. Acts as interim Senior Teller or MSR in absence of same. Will be required to assist other teller or MSR staff with procedural questions and make sound judgements while conducting member transactions. Can assist with balancing of ATM's and ensure all negotiable instruments are secured in the vault.( Specialist II) 20. Performs in a Branch leadership role (Manager, Assistant Manager, Teller Supervisor) whenever necessary in order to ensure daily operations are properly executed and member services are uninterrupted; leads and directs Branch team members to meet this objective when designated. 21. Demonstrates ability to act as a peer mentor and resource for: Branch Specialist I, to include, but not limited to on-going coaching for sales success. Tracks, maintains and reports sales performance to Manager.( Specialist II) Branch Specialist II, to include on-going coaching for sales success. Tracks, maintains and reports sales performance to Manager.( Specialist III) 22. Under the direction of Manager, Branch Operations provides direct support to business systems initiatives including software upgrades, procedural changes and implementation of products through testing and training facilitation and assists with development of procedures and processes in support of same. (Specialist III) 23. Performs related duties when assigned. ________________________________________________________________________ REQUIRED QUALIFICATIONS: • High school diploma or an equivalency certificate. • One year of experience providing direct customer/member service preferably in a business office setting. • Or, an equivalent combination of education and experience. • Demonstrated interpersonal skills to positively represent the Credit Union during member interaction. Ability to effectively operate PC (using a Windows Operating system) and other office equipment. • Refer to Career Path Competencies for additional required qualifications to Branch Specialist I, Branch Specialist II, and Branch Specialist III. COMPETENCIES: • Ability to operate PC in a Microsoft Windows environment • Ability to operate Microsoft Office applications (Word, Excel, PowerPoint) with proficiency. • Ability to use computer-based training and e-learning programs/resources using developmental software, relevant Internet and Intranet applications. • Ability to enter data, sort and extract, understand the application of and interpret for other information derived from data base systems. • Ability to map PC workstations when floating between multiple and varied locations • Ability to operate branch site with no other Senior or Supervisor Ability to make sound judgments while conducting member transactions. • Ability to lead branch team and direct staff members in daily branch operations, train, coach and motivate team. • Ability to handle physical security of branch and adhere to all controls in place (Specialist III) • Ability to serve as branch resource for more complex computer and system related issues. • (Specialist II) Ability to identify and utilize computer-based training and e-learning programs/resources using development software, relevant Internet and Intranet applications. • (Specialist II III) Strong facilitation skills • (Specialist II,III) Demonstrates sound knowledge, understanding and application of training and organizational development concepts and theories, adult learning principles, team building and needs analysis. • (Specialist II,III) Demonstrates capability to access and utilize technology resources in support of employee learning and development presentations and within training plan design. • Ability to prioritize, organize and handle multiple tasks.(All) • Ability to read and comprehend procedure manuals simple instructions, short correspondence and memos. • (Specialist II, III) Ability to provide explanation or instruction in a one-on-one or training situation. • (Specialist II,III) Must possess excellent public speaking and presentation skills to support Training facilitation on the job • (Specialist III) Ability to present information and respond to questions from various organizational levels to influence opinions or build a basis for decision making. • Ability to follow detailed written and oral instructions. • (Specialist III) Ability to develop solutions for problems with abstract variables in ambiguous or novel situations without regular management oversight. • (Specialist II and III) Ability to define problems collects data, establish fact and draw valid conclusions with support of multiple projects or initiatives on a daily basis. • Ability to prioritize diverse job assignments and meet established deadlines. • Ability to handle multiple job assignments and establish priorities. • Ability to maintain accurate records and files including schedules. • Ability to work under stress. • Ability to arrive at work routinely and promptly and maintain productivity. • (Specialist II, III) Ability to work with minimal supervision. • (Specialist III) Ability to plan and manage multiple tasks and projects. • Ability to maintain sensitive and confidential information. • Ability to work effectively with colleagues and supervisors. • (Specialist II ,III) Ability to provide constructive feedback to others. • (Specialist II,III) Ability to understand and apply adult learning principles. • (Specialist III) Ability to facilitate training and focus group discussions. • (Specialist III) Ability to facilitate group discussion and gain consensus. • (Specialist III) Ability to work with Branch Management to help develop possible training needs for staff. ________________________________________________________________________ WORKING CONDITIONS: Must be able to travel and work variable hours and schedules (i.e., peak-time hours, weekends, etc.) Must maintain Notary Public Commission for the State of Maryland WORKING CONDITIONS: Ability to sit, stand and walk for extended periods and demonstrate sufficient dexterity and vision to operate a variety of office equipment. Ability to lift coin bags up to 50 lbs. with or without assistance. Ability to work the hours needed which may extend beyond the defined work schedule when operating conditions dictate. This position description is not necessarily all inclusive in terms of work detail

$1000 Signing Bonus effective 1/20/2024 Note: All full-time positions include exceptionally low medical premiums in addition to a whole host of other benefits. Monday - Friday 8:00am-4:30pm Hiring Range - $24.82/hr - $31.02/hr SUMMARY OF POSITION: The Real Estate Data Management Specialist (REDMS) is responsible for effectively handling the loan file set up of incoming new retail and correspondent 1 st mortgage and home equity loan applications to include timely mailing of a Welcome Package and all other required disclosures as necessary, for reviewing the applications to determine the documentation requirements, for communicating and requesting the required documentation from the members, for handling and distributing incoming mail, and to handle requests for loan files to be cancelled, withdrawn or denied ensuring consistency, timely delivery, and compliance with regulatory requirements. PRINCIPAL ACCOUNTABLITIES AND FUNCTIONS: Conducts a thorough review of new retail and correspondent 1 st mortgage and home equity loan applications to: determine documentation requirements; and, to complete necessary data entry in Mortgage Cadence in order to complete the loan application and generate required regulatory disclosures, registrations, rate locks and creation of skinny files. Generates and delivers to members a Welcome Letter to include a list of documentation needed in order to proceed. Monitors, reviews, and distributes incoming mail and follows-up with documentation from members, lenders and vendors via electronic VLF delivery, mail, email, fax and member delivery. Pulls data from applicable system applications for the following information as necessary for the retail and correspondent 1 st mortgage and home equity loans files: AVM, property taxes, property assessments, HMDA, property deeds, member account statements, condo questionnaires, tax transcripts, SSA checks, etc. Submits retail and correspondent 1 st mortgage and home equity loans to FNMA Desktop Underwriter to determine loan eligibility. Orders appraisals, flood certifications, title reports and credit supplements as needed and directed. Reviews and updates closing costs/fees in Mortgage Cadence as necessary. Re-discloses in compliance with RESPA and Reg Z requirements. Facilitates new Tower FCU membership accounts on 1 st mortgage and home equity loan files in which the borrowers (OR as necessary for borrowers applying through all channels that) are not yet Tower FCU members. Responds to incoming member calls and inquiries to update on loan status, documentation still needed and general information on the loan. Acts as a primary contact point for present and potential members, Correspondent lenders, and Loan Advisors in order to answer questions, loan status inquiries, and coordinate additional documentation needed. Coordinates correspondence and follows-up activities, both verbal and written, between members, Loan Advisors, Consultants and Correspondent Lenders and Management. Monitors Pre-Approval pipeline for all Loan Advisors to determine age of loan files and to send out 10 Day Letters to members as necessary. Manages submission of cancelled, withdrawn and denied files for Loan Advisors to our Quality Assurance Underwriters to ensure compliance with all HMDA Reg B and all other regulatory compliance requirements. Works in collaboration and partnership with all Real Estate Lending Team members and other Tower FCU employees/departments. Maintains detailed knowledge of the Real Estate Lending Department's guidelines, policies, and procedures to ensure that all loans conform to establish underwriting and documentation standards. Maintains up to date knowledge of all first mortgage and home equity loan products offered by the credit union as well as Investor, MI and regulatory guidelines to ensure that all loans meet guidelines and regulatory requirements. Performs related duties and tasks as assigned. REQUIRED QUALIFICATIONS: Associates degree in a related field plus two years of related experience of combination of education and experience. One year of experience in the lending field preferred. Successful completion of courses or seminars related to real estate lending origination, processing and underwriting. Successful completion of up to five Mortgage Bankers Association classes designated by the V.P. Real Estate Lending within three years. Successful registration, including compliance and maintenance of registrations, with Nationwide Mortgage Licensing System and Registry in compliance with Secure and Fair Enforcement Licensing Act (SAFE Act). COMPETENCIES: Analytical decision making ability with attention to detail. Ability to become proficient in the origination and operations procedures of the Real Estate Lending Department. Ability to learn and work in a fast paced environment. Ability to multi-task and prioritize work as required. Ability to effectively work with mathematical concepts with a high degree of accuracy. Ability to interpret, understand and apply Tower FCU Real Estate Lending Guidelines and FNMA/FHLMC/Investor Guidelines. Ability to communicate effectively in oral and written form. Ability to work and communicate effectively with Tower FCU members, real estate agents, title companies and other members of the Real Estate Lending team. Ability to work independently and to identify/solve problems and to seek guidance when necessary and to resolve them in an expeditious manner. PC Proficient to include: Word, Excel, Outlook, internet, e-mail and mortgage loan origination software Ability to verbally convey work process issues to other members of the Real Estate Lending Department. Ability to adapt to changes within internal, market or regulatory environments. Ability to effectively organize loan files and documents. Ability to exercise prudent judgment in decision-making and protection of member confidential information. Ability to arrive at work routinely and promptly. Ability to work within stringent time constraints and in a high pressure environment. Ability to receive constructive feedback from co-workers and management. Ability to work in a team environment and demonstrate the ability to help others. Has knowledge of and adheres to credit union policies and procedures and all regulations related to the Bank Secrecy Act, the USA PATRIOT Act and OFAC. WORKING CONDITIONS: Ability to sit for extended periods of time and demonstrate sufficient dexterity and vision to skillfully operate a variety of office equipment. Ability to sit, stand and walk for extended periods and demonstrate sufficient dexterity and vision to operate a variety of office equipment. Ability to lift up to 20 lbs. with or without assistance. Ability to work the hours needed which may extend beyond the defined work schedule when operating conditions dictate TFO Security clearance

$1000 Signing Bonus effective 1/20/2024 Note: All full-time positions include exceptionally low medical premiums in addition to a whole host of other benefits. 7:30am-4pm,8am-4:30pm,9:30am-6:30pm Hiring Range - $24.82/hr - $31.02/hr SUMMARY OF POSITION: Depending on the Level I or II, the ACH Representative is directly responsible to perform ACH Processes and associated exceptions independently in a timely and accurate manner to meet established daily deadlines within six months of employment. This is a direct member support role that requires effective, knowledgeable and professional service to our members and frontline staff typically over the phone and/or via email. Duties include tasks related to ACH processing of input files, research required to resolve inquiries or unusual events, knowing when to effectively and appropriately utilize other internal resources to aid in resolution without direct supervision or oversight as well as performing direct member and frontline phone support in an effective manner. This is a daily production position working under strict deadlines for a smooth workflow abiding by associated regulations and NACHA Rules. This position is a component of back office operations supporting Tower's competitive products and services for our members utilizing the ACH network. Based on competency Level, the incumbent will work independently without direct supervision as well as lead others regarding ACH daily tasks and special projects and ad hoc initiatives, and will be cross trained as the primary back up to the ACH Generalist once achieving expert proficiency within Level II. PRINCIPAL FUNCTIONS and ACCOUNTABLILITIES: to be supplemented by specific Competency Summary for Levels I and II Independent processing of daily ACH transactions timely with a high level of accuracy is required. This position is accountable for effectively and efficiently carrying out the position's associated duties including but not limited to those listed in this document. Incumbent is expected to arrive at work, meetings and appointments on time. Interacts directly with members, frontline staff, internal partners and internal customers to complete related daily tasks with little or no supervision relying on veteran knowledge and understanding of the ACH environment. Incumbent is expected to consistently show high levels of proficiency in communicating these products and services and the surrounding technology both verbally and in writing to others when responding to inquiries from both members and Tower staff. Incumbent will display original thinking by generating ideas to improve efficiencies in their workflow and promote quality. Effectively and efficiently utilizes technology tools provided to complete tasks assigned and duties including but not limited to those listed in this document with little or no supervision. Will be cross trained on area tasks to provide depth of coverage to secure production via a rotation of duties based on business needs. Incumbent will seek increased responsibilities, training and development opportunities and share own expertise with others. Performs closure of checking accounts with a negative balance as needed. Reviews accounts selected to determine those that meet Tower's criteria for closure and shares findings with the Collections department according to standard procedure guidelines. Independently process ACH daily Exceptions timely and accurately within established menu of options in accordance with regulatory and audit requirements, state and local guidelines as well as adhering to Tower's practices and policies. Directly responsible for independently reviewing/analyzing Exceptions to make effective pay or return decisions consistently in a timely and accurate manner. Keeps abreast of ever changing regulatory and legal requirements surrounding ACH transactions in order to ensure compliance and appropriate due diligence in support of overall departmental success. Responsible for performing the verification of account maintenance when reviewing work and completing all necessary follow up to ensure the maintenance has been completed accurately. Should demonstrate the ability to effectively perform any type of account error resolution independently utilizing established procedures and guidelines. Must have the proven ability to perform essential functions and tasks timely with a high level of quality of the department with a little or no supervision or oversight. Responsible for accurately maintaining general statistics regarding the type and volume of work completed daily and for fully and accurately documenting telephone inquiries and statistics for trend analysis. LEVEL II Accountabilities - May also include a number of the types of responsibilities outlined below: Expected to interact directly and independently with members, frontline staff, internal partners and internal customers to complete related daily tasks utilizing technology tools provided with no supervision or oversight. Incumbent is expected to consistently reflect the high levels of proficiency behavior and teamwork mentality when communicating these products and services and the surrounding technology both verbally and in writing to others. Must be proficient of area tasks supported by workflow to secure production. Leads others by proactively seeking out ever changing regulatory and legal requirements surrounding the ACH environment to ensure overall compliance. Additionally ensures appropriate due diligence and mitigation of organizational risk for Tower with regard to monetary transactions in this payment channel. Responsible for second verification of account maintenance performed by others when reviewing work and completing all necessary follow up to ensure the maintenance has been completed accurately. Must be able to effectively perform any type of account error resolution independently for self and others even if scenario is outside established procedures or guidelines. Leads the task for accurately maintaining general statistics and performing trend analysis for telephone inquiries, activities and transactions in order to make recommendations for process improvements or to leverage technology. REQUIRED QUALIFICATIONS: Competencies Chart must be included-used for levels I and II employment and career progression criteria. Educational & Experience Level I - High School Diploma and three to four years of related ACH or transaction channel processing experience required. Prefer a current and active knowledge of regulations and legal environment governing ACH processing especially surrounding exception processing requirements and/or transaction channel processing experience. Level II - Two year Associates Degree preferred. High School Diploma required. Accredited ACH Professional (AAP) certification preferred. Five or more years of related ACH or transaction channel processing experience required. Current and active knowledge of regulations and legal environment governing ACH processing especially surrounding exception processing requirements set forth by NACHA and the Federal Reserve. Note: Must meet all required competencies within a specified timeframe in order to promote to the next level COMPETENCIES: Ability to accurately perform mathematical functions (add, subtract, multiply, and divide). Ability to reconcile and balance GL transaction records daily and resolve any differences. Must be proficient in ACH application within six months of employment. Ability to effectively operate PC in Microsoft Windows environment or equivalent products. Ability to use general rules and regulations as they apply to the electronic processing environment with little or no direct supervision. Ability to read and interpret procedure manuals and incorporate into the daily workflow. Ability to provide detailed explanation or instruction in one-on-one situations either in person or over the phone. Ability to maintain sensitive and confidential information for members as well as coworkers. Ability to interpret and explain complex technical instructions in mathematical or diagram form. Ability to identify, define and resolve problems by collecting data, establishing facts and drawing. basic conclusions and/or writing general support documentation. Ability to exhibit good listening and comprehension skills. Able to take and follow instructions and provide feedback as requested. Adapts to changes in the work environment. Ability to work independently with little or no direct supervision. Ability to prioritize diverse job assignments effectively and meet established deadlines. Ability to complete tasks with a high degree of accuracy and attention to detail. Must be able to work under stress and multitask as the situation dictates. Must arrive at work routinely and promptly as expected. Must be able to assist in resolving controversial or delicate matters skillfully. Ability to effectively get along with colleagues and all levels of management and be an effective team member exhibiting team based role model behavior with mature emotional intelligence. Ability to assess own strengths and weaknesses and seek out training and development opportunities. Ability to seek out increased responsibilities. Ability to generate suggestions for improving work. Ability to inspire and lead others. Has knowledge of and adheres to credit union policies and procedures and all regulations related to the Bank Secrecy Act, the USA PATRIOT Act and OFAC. WORK CONDITIONS: Non -traditional work hours required to meet business needs (including weekends as needed) Extended use of a PC and related software as well as phone Ability to sit, stand and walk for extended periods and demonstrate sufficient dexterity and vision to operate a variety of office equipment. Ability to lift up to 15 lbs with or without assistance. Ability to work the hours needed which may extend beyond the defined work schedule when operating conditions dictate. Tower Facilities Only (TFO) SECURITY CLEARAN

Job Details WA Fully Remote $1.00 - $1.00 Salary 8:00AM - 5:00PM - Monday - FridayDescription /Summary: The Territory Sales Manager position's key focus is to grow KYB sales by supporting and influencing current and prospective KYB customers and KYB product users. This is accomplished by performing a wide range of activities that include visiting automotive service providers, warehouse distributors and resellers to develop relationships and provide valuable support that grows their KYB business. It requires a process of understanding the customer's needs, identifying the KYB resources that would fulfill that need and then providing support in a manner that builds a positive brand and purchase loyalty. This support includes functions such as training, product presentations, purchase follow up support, inventory assessment, physical inventory placements as well as supporting our customer's business building events. Essential Duties/Responsibilites: • Achieve territory sales goals; • Create and implement specific business plans for each assigned account. This includes; setting sales goals, implementing promotions and making Service Provider sales calls with each distributor customer; • Identify and promote growth opportunities for each customer; • Promote the KYB brand and products to build brand preference; • Identify, promote and train qualified Service Providers to increase their KYB purchases; • Assist the distributor in managing their inventory; • Monitor and correct abusive product warranty returns; • Develop personal skills, including; Sales, computer, presentation & training skills; • Log all sales activities and report them to their Regional Manager; • Normal work schedule will vary based on geography, travel, planned events or evening/weekend events; • Adhere to KYB prescribed company policies, JSOX, business practices & personal conduct to protect KYB's high standards; • Other duties as assigned by immediate Manager on an as needed basis. Qualifications Purpose of Position/Summary: The Territory Sales Manager position's key focus is to grow KYB sales by supporting and influencing current and prospective KYB customers and KYB product users. This is accomplished by performing a wide range of activities that include visiting automotive service providers, warehouse distributors and resellers to develop relationships and provide valuable support that grows their KYB business. It requires a process of understanding the customer's needs, identifying the KYB resources that would fulfill that need and then providing support in a manner that builds a positive brand and purchase loyalty. This support includes functions such as training, product presentations, purchase follow up support, inventory assessment, physical inventory placements as well as supporting our customer's business building events. Essential Duties/Responsibilites: • Achieve territory sales goals; • Create and implement specific business plans for each assigned account. This includes; setting sales goals, implementing promotions and making Service Provider sales calls with each distributor customer; • Identify and promote growth opportunities for each customer; • Promote the KYB brand and products to build brand preference; • Identify, promote and train qualified Service Providers to increase their KYB purchases; • Assist the distributor in managing their inventory; • Monitor and correct abusive product warranty returns; • Develop personal skills, including; Sales, computer, presentation & training skills; • Log all sales activities and report them to their Regional Manager; • Normal work schedule will vary based on geography, travel, planned events or evening/weekend events; • Adhere to KYB prescribed company policies, JSOX, business practices & personal conduct to protect KYB's high standards; • Other duties as assigned by immediate Manager on an as needed basis. Job Requirements: This position involves contact with many people outside of KYB. As such, the TSM is required to sign the KYB confidentiality and non-compete agreement. Overnight travel varies by territory size and the number of customers in the territory. Three plus years of experience working in the automotive aftermarket preferred. A college degree is preferred. This position requires a minimum of a high school diploma or GED from an accredited organization. General computer and Microsoft Office skills are required. A KYB Territory Sales Manager must possess outstanding sales ability, organizational, interpersonal and communication skills. KYB strives to become our customer's best supplier so it is critical in this role to be customer friendly, available and responsive to their needs. Additional skills needed to perform these duties includes: Excellent PC skills (Power Point, Excel), be mechanically inclined, analytical, resourceful, demonstrate active listening capability, accept responsibility, have excellent time management skills, be enthusiastic and assertive as well as persistent in a positive way. Conducting training (with some evening events) is an important function of this position. A candidate must be able to be comfortable and convey KYB material in front of service provider and parts professional personnel in a convincing manner. Training proficiencies include product knowledge, ride control technology, vehicle service, marketing and sales. The TSM is responsible to develop and manage a specific business plan tailored to every major account in their area. All plans/goals will be set at the beginning of the fiscal year. Progress will be recorded weekly by the TSM and monitored by his/her Regional Manager. Performance reviews will be conducted to measure and guide the associate. The TSM is responsible for managing a sales strategy for his/her territory, generally spending approximately 40% of his/her time working with distributors and 60% of his/her time developing a network of service providers. The TSM is responsible for helping assess and manage the distributor's inventory. The purpose is to have the right part numbers available through the distributor and minimize annual stock returns. This includes scheduling regular updates, reviewing new number releases and part numbers on stock returns. Periodically the TSM assists in placing or re-arranging KYB product at the customer's location. Supervisory Responsibilities/Direct Reports: This position does not have any subordinate associates reporting to it. Difficulty of Work: The Territory Sales Manager is the primary point of customer contact. Communication, customer satisfaction, addressing and resolving customer issues on an “as needed” basis is a critical aspect of this position. As such the Territory Sales Manager's actions and professional communication skills have a direct impact to KYB and are vital to the success of this position. Responsibility: The Territory Sales Manager is encouraged to utilize all means within the scope of each customer's established business plan to maintain and earn additional business. However, any additional support, discounts, incentives or offers beyond the existing contractual agreement must be pre- approved by the Regional Manager. An account of all activities, communications, opportunities, obstacles and competitive information is to be reported to the Regional Manager and included in the weekly report. A Territory Sales Manager is prohibited from entering into any financial arrangement unless pre- approved by the Regional Manager. Personal Work Relationships: The Territory Sales Manager works with multiple departments and divisions within KAC in addition to outside vendors, direct customers, service providers and various parts professionals. Each relationship. Physical Effort: This position must be able to travel and or drive for extended periods of time and lift at least 50 lbs and be able to perform typical warehouse and product inventory placement duties with or without reasonable accommodations. Working Conditions: In addition to field work and overnight travel, a quiet home office environment or work space is required.

$1000 Signing Bonus effective 1/20/2023 Note: All full-time positions include exceptionally low medical premiums in addition to a whole host of other benefits. Hours: Monday rotating 8:15am-5:15pm or 9:45am-6:15pm, Tuesday through Thursday 8:15am-5:15pm, Friday rotating 8:15am-5:15pm or 8:45am-6:15pm, Saturday Rotating schedule of 8:30am-1:30pm Hiring Range - $19.38 /hr - $24.22 /hr THIS IS AN ON-SITE ROLE AT TOWER Please complete the link in a separate window for the assessment: - Video Banker **************************************************************************************************** SUMMARY OF POSITION: This position is responsible for providing efficient and accurate processing of teller transactions using video technology, Interactive Teller Machines (ITM), in compliance with State and Federal regulations and Tower Federal Credit Union (TFCU) policies and procedures. The Video Banker professionally represents the credit union to members using the ITM, projects a positive knowledgeable image to members and delivers exceptional service while doing so in a remote working environment. _____________________________________________________________________________ PRINCIPAL ACCOUNTABILITIES AND FUNCTIONS: 1. Provides engaging member-centric service to members virtually via video and chat functionality using the ITM technology. 2. Facilitates ITM processing for members by providing step-by-step guidance through the ITM process. 3. Processes customary teller transactions with the ITM using video technology to assist members with a high degree of accuracy. 4. Educates and assists members about how to use the new technology of ITMs to complete their transactions. 5. Projects good customer relations while conveying a positive member service experience using ITM video technology. 6. Pursues opportunities to establish new relationships and to expand existing member relationships. 7. Initiates conversations to uncover member's needs and promote TFCU products and services, and effectively refer members to appropriate team members when needed. 8. Maintains, and is able to present, an up-to-date and comprehensive knowledge on all credit union products and services that are promoted by Tellers (e.g., Home Banking, Mobile Deposit, Direct Deposit). 9. Attends training courses (classroom, online, ambassadorships) to continuously build knowledge of the financial industry and learn more about the credit union's products, policies and procedures. 10. Processes transactions (cash withdrawals, check cashing, and transfers) after identifying the member or non-member; verifies account ownership, signature and account details 11. Verifies and processes loan payments, transfers and other monetary and non-monetary transactions (e.g., official checks,, ). 12. Maintains a thorough working knowledge of the credit union's teller platform and the various applications (e.g. Check Balance site, ITM management console etc.) and is able to use resources from multiple platforms when processing transactions. 13. Maintains an awareness of security risks in the areas of member identification and confidentiality. Attends required branch quarterly security training. 14. Completes annual regulatory training such as US Patriot Act, Bank Secrecy Act and Office of Foreign Asset Control training, and is subsequently able to complete Currency Transaction Referrals and Suspicious Activity Referrals. 15. Guides members to the appropriate staff for specific information and assistance. 16. Perform related duties as assigned. ______________________________________________________________________________ REQUIRED QUALIFICATIONS: • Possession of a high school diploma or equivalent certificate. • Minimum of one to three years' experience in a credit union or related financial institution. • Demonstrated successful customer service experience. • Or, an equivalent combination of education and experience. • Refer to career path for level 1 to level 2 progression. COMPETENCIES: • Ability to effectively service members using video technology and create a personalized experience • Ability to effectively communicate verbally, and to explain ITM operations clearly and succinctly. • Excellent customer service skills and a sincere desire to help members. • Ability to maintain a professional appearance and behavior, and is comfortable, friendly and confident in the ITM video environment. • Knowledge of various personal computer programs and various delivery channels such as online banking and mobile banking. • Ability to provide explanation and instruction in one-on-one situations with members in the ITM environment. • Ability to troubleshoot, with guidance, routine computer and ITM malfunctions. • Ability to sit for long periods of time. • Ability to work in a fast paced environment. • Ability to add, subtract, multiply and divide. • Ability to reconcile and balance transaction records. • Ability to read and interpret procedure manuals. • Ability to follow detailed written and oral instructions. • Ability to solve problems with many variables in a variety of situations. • Ability to take and follow instructions. • Ability to prioritize tasks and complete daily job assignments • Ability to work to deadlines. • Ability to arrive at work routinely and promptly. • Ability to respond to common inquiries and complaints. • Ability to get along with colleagues and supervisors. • Must be able to manage and prioritize multiple tasks. • Must be a team player, flexible, and lead by example. ______________________________________________________________________________ WORKING CONDITIONS: • Ability to sit, stand and walk for extended periods and demonstrate sufficient dexterity and vision to operate a variety of office equipment. • Ability to lift up to 15 lbs. with or without assistance. • Ability to work the hours needed which may extend beyond the defined work schedule when operating conditions dictate Full Time, Branch Schedule and /or flexible as required by Branch Administration.

$1000 Signing Bonus effective 1/20/2024 Note: All full-time positions include exceptionally low medical premiums in addition to a whole host of other benefits Monday- Friday -8:00am-4:30pm Hiring Range -$28.42/hr - $35.52/hr SUMMARY OF POSITION: The Member Service Center Quality Assurance Specialist is responsible for regularly monitoring and evaluating phone interactions between members and employees. The Quality Assurance Analyst will provide feedback to call center & Ecommerce agents to reinforce or sustain work expectations, processes, and adherence to phone security procedures. The incumbent will also share the agent's feedback with their direct manager and provide recommended coaching plans as needed. PRINCIPAL ACCOUNTABLITIES AND FUNCTIONS: Perform objective call evaluations. Identify trends or issues that impact member satisfaction and quality standard Communicate, document and report skill deficiencies, member concerns and call trends to Managers Ensure that employees are using the correct tools, following company policies and procedures, providing accurate and objective evaluations, and are performing ethically. To achieve objectives the job incumbent is required to perform the following: Listen to recorded and/or live interactions between Member Service Center employees and Members on a monthly basis. Review and score the recorded and/or live interactions. Provide documentation and/or verbal feedback to Member Service Center Representative and respective Manager. Support and partner with Manager in the coaching, evaluation, or on further research/clarification of issues for quality assurance. Facilitate and attend calibration sessions. Ensures quality control within the MSC to be in compliance with Tower's policies and procedures as well as State and Federal regulations. Strategize process improvements that will help ensure sound department operation, maximize efficiency and member satisfaction. Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws. Develop and maintain a thorough knowledge of Tower's products and services, and policies and procedures. Monitor and comply with all established security, internal audit, and applicable government policies and regulations. Maintain required records and provide reports as required by Member Service Center Management Team. Maintain knowledge of current functions of the Member Service Center including mail and electronic avenues. Complete Regulatory Training Modules as required. Ensure that the Member Service Center agents complete all required training in a timely manner. This includes training provided by the Member Service Center and the IT department. Resolves MSC balancing issues, assisting the MSC Seniors with testing of new releases and being available to provide access to the MSC during non-business hours to support Credit Union needs. Performs other Quality auditing functions and/or other duties as assigned by the Manager. Has knowledge of and adheres to credit union policies and procedures and all regulations related to the Bank Secrecy Act, the USA PATRIOT Act and OFAC. REQUIRED QUALIFICATIONS: Possession of an Associate's degree in related field or equivalent work experience. Two years or more at a financial institution providing member service and support in a Member Service Center environment. Knowledge of banking policies, procedures, and regulatory requirements, including the methods and principles of sound business practices. Knowledge of intranet/internet, effective oral, written and interpersonal skills required to provide feedback on Call Center Quality issues/concerns. Exceptional listening and analytical skills. Experience with Microsoft Word, Excel, and Access preferred. Bilingual skills a plus. Or, an equivalent combination of education and experience. COMPETENCIES: Analytical decision making ability with attention to detail. Ability to prepare and conduct effective presentations with the ability to influence others on quality assurance standards and compliance matters. Ability to interact effectively and professionally with colleagues and managers, and to effectively communicate verbally and in writing. Ability to operate a PC in an Internet environment and to assist others with such operation. Ability to apply concepts of fractions, percentages, ratios and proportions to practical situations. Ability to understand and analyze operational data. Ability to proficiently operate Microsoft Office applications (Word, Excel, PowerPoint) Ability to read, analyze and interpret government regulations and business periodicals, professional journals, technical procedures, statistical/system reports. Ability to convey/present information effectively to groups and to respond to questions from a diverse audience. Ability to prepare a variety of technical instructions and to provide clear interpretations. Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to define problems, collect data, establish facts and draw valid conclusions. Ability to troubleshoot and resolve member and staff issues/problems related to Internet based website applications and ability to coach staff to do the same. Ability to respond to sensitive inquiries and complaints in a timely, effective manner. Ability to motivate others to take action. Ability to provide constructive feedback to others. Has knowledge of and adheres to credit union policies and procedures and all regulations related to the Bank Secrecy Act, the USA PATRIOT Act and OFAC. WORKING CONDITIONS: Ability to sit for extended periods and demonstrate sufficient dexterity, vision, and hearing to operate a variety of office equipment. Ability to lift up to 15 lbs. with or without assistance. Ability to work the hours needed which may extend beyond the defined work schedule when operating conditions dictate. Perform primarily sedentary work with limited physical exertion and extended use of a telephone/headset to accomplish tasks. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer for an average of 4-6 hours per day. Must be capable of regular, reliable and timely attendance. This position description is not necessarily all inclusive in terms of work detail.

Note: All full-time positions include exceptionally low medical premiums in addition to a whole host of other benefits. Tower is offering a $1000 Signing/Retaining bonus as of 1/20/2025. Monday - Friday 8:00am-4:30pm. Hiring Range - $31.66/hr - $39.57/hr Summary of Position The Real Estate Lending Compliance Analyst is responsible for ensuring Tower Federal Credit Union's (Tower) Real Estate Lending Department maintains full compliance with all applicable federal and state regulatory requirements, including but not limited to the Home Mortgage Disclosure Act (HMDA), TILA-RESPA Integrated Disclosure (TRID), Equal Credit Opportunity Act (ECOA), Fair Housing Act, and other consumer protection laws and regulations. This position plays a critical role in compliance monitoring, testing, and reporting, with a primary focus on HMDA data integrity, fair lending analysis, and regulatory adherence for both first mortgage and home equity products. Principal Accountabilities and Functions Monitors, interprets, and applies federal and state lending regulations (HMDA, TRID, ECOA, Fair Housing, etc.) to ensure ongoing compliance across real estate lending operations. Conducts monthly HMDA scrubs of all real estate lending applications and loans to ensure accuracy and completeness of Loan Application Register (LAR) data. Performs a comprehensive year-end HMDA scrub prior to annual submission of the LAR, ensuring full regulatory compliance and audit readiness. Partners with business units to address and correct HMDA data errors, discrepancies, and systemic issues. Supports and leads fair lending testing, analysis, and reporting, identifying potential disparities and providing recommendations for corrective action. Assists with the development, review, and maintenance of real estate lending policies, procedures, and disclosures to align with regulatory requirements. Monitors TRID compliance, ensuring timely and accurate disclosures, fee tolerances, and proper documentation. Collaborates with internal audit, compliance, and risk management to support examinations, audits, and regulatory inquiries. Provides compliance training, guidance, and support to lending staff on HMDA, TRID, fair lending, and other applicable requirements. Prepares and distributes compliance reports and dashboards for management and executive review. Stays current on regulatory changes, industry trends, and best practices impacting mortgage lending compliance. Required Qualifications Bachelor's degree in Business, Finance or related field. Minimum of 3-5 years of experience in mortgage lending compliance, audit, quality control, or related role. Or equivalent combination of education and experience Experience with HMDA data collection, scrubbing, and reporting required. Strong knowledge of federal and state mortgage lending regulations, particularly HMDA, TRID, ECOA, and Fair Lending requirements. Proficiency with Microsoft Office applications (Word, Excel, Outlook) and comfort working with multiple systems for data entry, verification, and reporting. Excellent communication skills with the ability to work effectively across departments and levels of the organization. Ability to manage multiple priorities and meet deadlines in a fast-paced environment. Knowledge, Skills and Abilities Analytical decision making ability with attention to detail. Ability to become proficient in the origination and operations procedures of the Real Estate Lending Department. Ability to learn and work in a fast paced environment. Ability to multi-task and prioritize work as required. Ability to effectively work with mathematical concepts with a high degree of accuracy. Ability to interpret, understand and apply Tower's Real Estate Lending Guidelines and FNMA/FHLMC/Investor Guidelines. Ability to communicate effectively in oral and written form. Ability to work and communicate effectively with Towe0's members, real estate agents, title companies and other members of the Real Estate Lending team. Ability to work independently and to identify/solve problems and to seek guidance when necessary and to resolve them in an expeditious manner. PC Proficient to include: Word, Excel, Outlook, internet, e-mail and mortgage loan origination software Ability to verbally convey work process issues to other members of the Real Estate Lending Department. Ability to adapt to changes within internal, market or regulatory environments. Ability to effectively organize loan files and documents. Ability to exercise prudent judgment in decision-making and protection of member confidential information. Ability to arrive at work routinely and promptly. Ability to work within stringent time constraints and in a high pressure environment. Ability to receive constructive feedback from co-workers and management. Ability to work in a team environment and demonstrate the ability to help others. Ability to work independently and to identify/solve problems and to seek guidance when necessary and to resolve them in an expeditious manner. Has knowledge of and adheres to credit union policies and procedures and all regulations related to the bank Secrecy Act, the USA Patriot Act and OFAC. Working Conditions Ability to work the hours needed which may extend beyond the defined work schedule when operating conditions dictate. Ability to lift up to 20 lbs., with or without assistance, in compliance with ADA.

Tower is offering a $1000 SIGNING/RETAINING BONUS EFFECTIVE 01/20/2025 Note: All full-time positions include exceptionally low medical premiums in addition to a whole host of other benefits. Hours: Monday - Friday 9:00am-5:30pm. Hiring Range: $198,105 to $247,631 USD Summary of Position The Vice President, Real Estate Lending provides visionary leadership and strategic direction for Tower Federal Credit Union's real estate lending business. Overseeing sales, operations, quality assurance & compliance, and secondary marketing teams, the VP ensures that every aspect of the lending function reflects Tower's mission to promote the financial well-being of our members while upholding our values of integrity, member focus, collaboration, and innovation. The VP, Real Estate Lending is responsible for designing and executing forward-looking strategies to originate and expand first mortgage and home equity products through retail and referral sales channels, as well as correspondent lending partnerships. This role emphasizes continuous innovation in product design, service delivery, and member experience, ensuring Tower remains competitive in a dynamic marketplace while optimizing portfolio growth, profitability, and risk management. As the lead executive for real estate lending, the VP directs real estate lending origination activities across the Credit Union, ensuring compliance with legal and regulatory requirements, alignment with internal policies, and the consistent achievement of high-performance standards. The VP also evaluates and enhances service delivery channels - including retail, referral, and correspondent channels - ensuring they evolve with member/customer expectations and market conditions. Through this leadership, the VP is accountable for meeting annual, quarterly, and long-term lending goals, while driving sustainable growth and reinforcing Tower's reputation as a trusted financial partner. The VP, Real Estate Lending also oversees all secondary market activities, regulatory compliance functions, lending policy development, automated lending systems, reporting, vendor management, and third-party lending relationships. Vendor responsibilities include conducting due diligence, monitoring performance, and ensuring contractual, regulatory, and risk management standards are consistently met. In addition, the VP plays a critical role in Tower's enterprise-wide compliance framework, serving as a Compliance Team Leader and/or Team Member. In these capacities, the VP ensures adherence to requirements established by the National Credit Union Administration (NCUA) and the Consumer Financial Protection Bureau (CFPB). As Team Leader, the VP provides annual attestations on the effectiveness of applicable compliance policies and procedures. As Team Member, the VP actively supports compliance initiatives under the guidance of the designated Team Leader. By championing innovation, cultivating high-performing teams, and aligning lending strategies with Tower's mission, the VP, Real Estate Lending strengthens member relationships and drives long-term organizational success. Principal Accountabilities and Functions Provides strategic leadership and direction for the Credit Union's real estate lending function, including sales, operations, quality assurance & compliance, and secondary marketing ensuring efficiency, profitability, and service excellence. Develops and maintains multiple delivery channels for the origination and purchase of mortgage and home equity loans, including retail and referral originators, realtor networks, correspondent partners, and other third-parties. Designs and executes strategies to achieve portfolio growth, volume, and income goals as outlined in annual and multi-year business plans, ensuring product mix, yield, and risk management are optimized for member value and organizational success. Provides executive oversight for all real estate loan products, secondary market activities ensuring compliance with Federal and state regulations, internal policies, and investor requirements. Acts as the primary liaison with secondary market investors, including GSEs. Directs and evaluates origination, underwriting, processing, closing, post closing, reporting, quality assurance and compliance to ensure operational efficiency, quality control, and a seamless member experience. Establishes and monitors performance standards, benchmarks, and incentive goals for the real estate lending staff in coordination with Human Resources. Oversees regulatory compliance for all real estate lending including loan forms, applications, delivery systems, disclosures, and policies. As a Compliance Team Leader, provides annual attestation on the effectiveness of assigned compliance policies and procedures; as a Team Member, fulfills responsibilities as directed by the designated Team Leader. Studies operational and market trends, performs research and analysis, and makes recommendations on products, pricing, delivery channels, and technology enhancements. Implements tactical and strategic initiatives approved by senior leadership and ALCO. Collaborates with other Vice Presidents, Marketing, and branch/remote service teams to coordinate promotional activities, referral programs, and service delivery platforms, ensuring consistent member engagement and achievement of loan growth and retention goals. Manages relationships with third-party vendors and service providers, including due diligence, contract negotiation, performance monitoring, and compliance with regulatory and risk management standards. Serves as the Senior Real Estate Underwriter with oversight of lending authority limits, loan approvals, and appeals processes in coordination with the SVP/Chief Lending Officer and Board of Directors. Provides executive leadership for staffing, talent development, coaching, performance management, and succession planning across real estate lending. Promotes a culture of accountability, continuous improvement, and service excellence. Monitors internal and external real estate lending environments, evaluates member satisfaction, and makes timely recommendations to senior management and the Board of Directors to ensure Tower remains competitive and member-focused Coordinates preparation of operational, compliance, and financial reporting to senior management and the Board, ensuring accuracy, timeliness, and transparency. Maintains registration and compliance with the Nationwide Mortgage Licensing System and Registry (NMLS) in accordance with the Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act). Performs other duties as assigned by the Senior Vice President, Lending, or the President/CEO, and contributes to enterprise-wide initiatives that support Tower's mission and long-term strategic goals Required Qualifications Bachelor's degree from an accredited four-year college in Business or Finance preferred. Eight (8) years of progressive experience in mortgage lending, with demonstrated expertise in origination, underwriting, processing, servicing, secondary marketing, and regulatory compliance. Experience in loan product development, implementation, and market expansion necessary. Five (5) years in a senior management role with proven success in staff development, coaching, succession planning, and building high-performing, collaborative teams. Eight (8) years of progressive experience in mortgage lending, with demonstrated expertise in origination, underwriting, processing, servicing, secondary marketing, and regulatory compliance. Experience in loan product development, implementation, and market expansion necessary. Demonstrated success in sales and/or relationship management roles, with accountability for achieving growth and profitability goals. In-depth knowledge of real estate lending regulations, investor guidelines, and compliance requirements, including those issued by the NCUA and CFPB. Strong strategic planning and execution skills, with the ability to analyze market trends, evaluate risks, and recommend innovative lending strategies aligned with organizational goals. Exceptional leadership, communication, and relationship-building skills, with the ability to influence and collaborate effectively across executive, board, and external stakeholder groups Vendor management experience, including contract negotiation, performance oversight, and compliance with risk management standards. Current registration with the Nationwide Mortgage Licensing System and Registry (NMLS), with compliance maintained in accordance with the Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act). Or equivalent combination of education and experience Knowledge, Skills and Abilities Ability to effectively work with mathematical concepts that apply to profitability, trend analysis, variance analysis and correlation. Ability to create and format word processing and spreadsheet documents, including graphs. Ability to operate Microsoft office applications (i.e. Word and Excel). Ability to understand and analyze financial, technical and operational data, and develop reasonable conclusions-recommendations based on analysis. Ability to apply basic accounting rules, budgets and procedures. Ability to operate PC in an Internet environment and to assist others with such operations. Ability to become proficient in the front and back-end operations and administration of lending delivery platforms. Current knowledge of principles, procedures, methods, and techniques in credit-portfolio management. Highly preferred: knowledge and experience with rate setting, asset/liability management, secondary market activity, loan servicing and title/settlement services. Ability to read, analyze and accurately interpret/apply business periodicals, professional journals and government regulations articles and emerging issues to support Real Estate lending and title company decision making and operations. Demonstrated ability to motivate staff, maintain and reinforce morale, and build a collaborative work team environment. Ability to write technical reports, business correspondence and procedure manuals for a diverse audience. Ability to make persuasive presentations on controversial or complex topics to employee groups, Senior Management, the Board of Directors and groups outside of Tower Federal operations. Ability to develop practical solutions for problems with abstract variables in ambiguous or novel situations. Ability to define problems, assemble data, establish facts and draw valid conclusions. Ability to identify cause and affect relationships to evaluate risks versus potential return. Ability to promptly resolve member/staff issues and problems related to all applicable delivery systems. Ability to effectively negotiate. Ability to initiate long and short term planning that supports credit union business plans. Ability to allocate and manage resources effectively, within budget parameters. Ability to prioritize diverse job assignments and meet established deadlines. Ability to successfully manage multiple complex projects. Ability to develop action plans and organize workload, of self and others, to accommodate competing deadlines and projects. Ability to work effectively under stress and arrive at work routinely and promptly. Ability to resolve controversial or delicate matters skillfully and on a timely basis. Ability to provide constructive feedback and coaching to others. Ability to motivate and influence others to take action. Ability to function as a competent professional, interacting with outside vendors, financial institutions, auditors and regulators. Ability to interact effectively and pro-actively establish- manage collaborative working relationships with staff, colleagues, and management. Ability to effectively represent TFCU to members and/or with industry groups. Ability to facilitate group discussion and gain consensus. Ability to maintain sensitive and confidential information. Has knowledge of and adheres to credit union policies and procedures and all regulations related to the bank Secrecy Act, the USA Patriot Act and OFAC. Working Conditions Ability to work the hours needed which may extend beyond the defined work schedule when operating conditions dictate. Ability to lift up to 20 lbs., with or without assistance, in compliance with ADA. Ability to maneuver in/out of offices and facilities (public and private), meet with vendors and service providers, both scheduled and unplanned, at off-site locations. Ability to work and travel independently, on an ongoing basis, and at varying hours. Ability to effectively communicate verbally, either independently or with minimal accommodation.

$1000 Signing Bonus effective 1/20/2024 Note: All full-time positions include exceptionally low medical premiums in addition to a whole host of other benefits. HOURS FOR POSITION: Monday- Friday 8:30am-5:30pm, Saturday 8:30am-1:30pm, Alternating Saturdays and Wednesdays off for Saturday. Hiring Range - $17.59/hr - $21.99/hr Please complete the below link in a separate window for the assessment: Teller ******************************************************************************************************* SUMMARY OF POSITION: This position is responsible for providing efficient and accurate processing of teller transactions in compliance with State and Federal regulations and TFCU policies and procedures. The Teller professionally represents the credit union to members in person and delivers exceptional service. ______________________________________________________________________________ PRINCIPAL ACCOUNTABILITIES AND FUNCTIONS: 1.Performs transactional duties as a service professional to members with a high degree of accuracy 2.Checks the accuracy of the deposit voucher prior to accepting deposits in the form of cash, checks, or money orders. Ability to correctly “DAMP” checks and recognize foreign items. 3.Processes transactions (cash withdrawals, check cashing, and transfers) after identifying the member or non-member; verifies account ownership, signature and account details 4.Verifies and processes loan payments, transfers and other monetary and non-monetary transactions (e.g., savings bonds, postage stamps, official checks, money orders, VISA gift cards). 5.Maintains a thorough working knowledge of the credit union's teller platform and the various applications (e.g., true checks, etc.) and is able to utilize resources from multiple platforms when processing transactions. 6.Maintains an awareness of security risks in the areas of member identification, confidentiality and overall physical branch security. Assists co-workers and supervisors in branch security to include cash drawer limits, ensuring cash drawers and teller stations are secure, vaults are accessed under dual control, members are clearly visible on camera (removing hats, hoodies, sunglasses, etc). Attends required branch quarterly security training. 7.Completes annual regulatory training such as US Patriot Act, Bank Secrecy Act and Office of Foreign Asset Control training, and is subsequently able to complete Currency Transaction Referrals and Suspicious Activity Referrals. 8.Maintains, and is able to present, an up-to-date and comprehensive knowledge on all credit union products and services that are promoted by Tellers (e.g., Home Banking, Mobile Deposit, Direct Deposit) 9.Presents and explains a basic number of credit union products and services to members, Attend training courses (classroom, online, ambassadorships) to continuously build knowledge of the financial industry and learn more about the credit union's policies and procedures. 10.Guides members to the appropriate staff for specific information and assistance 11.Assists in ATM balancing, managing coin machines, and end of day branch balancing. ______________________________________________________________________________ REQUIRED QUALIFICATIONS: · Refer to Qualifications specific to Teller I, Teller II, and Senior Teller COMPETENCIES: •Ability to add, subtract, multiply and divide •Ability to use teller terminal, adding machine, check writer and money order machine •Ability to reconcile and balance transaction records •Ability to provide explanation and instruction in one-on-one situations with members or employees either person or over the phone •Ability to read and interpret procedure manuals •Ability to follow detailed written and oral instructions •Ability to solve problems with many concrete variables in a variety of situations •Ability to take and follow instructions •Ability to prioritize tasks and complete daily job assignments •Ability to work to deadlines •Ability to arrive at work routinely and promptly •Ability to respond to common inquiries and complaints •Ability to get along with colleagues and supervisors _________________________________________________ WORKING CONDITIONS: WORKING CONDITIONS: Full Time, Branch Schedule and/or flexible as required by the needs of the branch Ability to sit, stand and walk for extended periods and demonstrate sufficient dexterity and vision to operate a variety of office equipment. Ability to lift coin bags up to 50 pounds with or without assistance. Ability to work the hours needed which may extend beyond the defined work schedule when operating conditions dictate. This position description is not necessarily all inclusive in terms of work detail

$1000 Signing Bonus effective 1/20/2024 Note: All full-time positions include exceptionally low medical premiums in addition to a whole host of other benefits Monday- Friday -8:30am-5:00pm Hiring Range -$35.29-$44.11 Summary of Position The Senior eCommerce Support Specialist is a lead position that supports the Manager, Member Service Center in effectively directing, prioritizing, overseeing, and coordinating the daily work activities of the eCommerce team. The Senior eCommerce Support Specialist is responsible for managing key software vendor relationships, in conjunction with the Manager, Member Service Center, for electronic products and services. The incumbent oversees the cross-selling efforts among the eCommerce team including coaching staff on cross-selling all types of share and loan products and services through the eCommerce channel in compliance with state and federal regulations and Tower policies and procedures The Senior eCommerce Support Specialist assists with the research, development, execution and maintenance of electronic products and services, as well as, acts in a lead role to include handling member/employee complaints, questions or problems. Principal Accountabilities and Functions Coordinates, prioritizes, and oversees, in conjunction with the Manager, Member Service Center, the daily workflow of the eCommerce unit, responding to member inquiries through or related to the electronic channel. Oversees timely and effective service to members by eCommerce Support Specialists surrounding member assistance with electronic services and web site applications to include operational and technical support. Provides accurate, timely written communication in response to member's emails regarding Tower's website, Home Banking, Bill Payment, mobile banking, mobile deposit, funds transfer, online and mobile debit rewards and other electronic products and services. Maintains high level of expertise with financial services software, Internet applications and various operating systems and browsers with different internet devices (PCs, tablets, and mobile phones) in order to resolve more complex member and operational issues and to assist the staff in troubleshooting difficulties members are having in utilizing all of our electronic services. Assist internal departments, including IS Operations/Help Desk, in troubleshooting issues with third party electronic products and services. Keeps abreast of technological developments and advances that impact Tower's internal operations, member services, and product delivery channels. Coaches staff on the functioning of these software programs, devices, and Internet browsers and on how to troubleshoot various compatibility issues members are experiencing. Acts in a lead role to include handling member/employee complaints, questions or problems. Analyzes member inquiries and summarizes findings to proactively communicate or report any technology issues to Manager, Member Service Center and third party vendors to help minimize impact to additional members. Prepares statistical summaries, special reports and queries to include the gathering, summarizing, reporting of pertinent information as needed. Proactively communicates with and assists branch staff and Member Service center staff to provide electronic product and service expertise. Assist with demos, capturing screenshots, or troubleshoot questions or issues related to online and mobile products and services. Serves as the lead eCommerce resource for identifying and resolving more complex operational and member issues related to Tower's electronic products and services. Services, tests, and maintains electronic service applications to ensure accuracy, security and appropriate resolution of member and operational problems through research and communications with third party vendors. Acts as liaison between members, Information Systems, our website provider, bill payment processor and any other vendor dealing with Tower's online and mobile products and services to provide members with timely and effective service. Proactively monitor mobile app store reviews by Tower members and research any less favorable reviews to understand potential technological issues to assist members. Manages, monitors, updates, tracks and provides documentation of incident tickets to Digital Banking Vendor regarding member or branch issues with electronic products and services. Evaluate and summarize critical details regarding member experiences to third party vendor and assist with troubleshooting. Monitor progress of tickets with vendor and use judgment to determine severity of issue as well as broader member impact. Keeps the Manager, Member Service Center abreast of all progress of incident tickets. Acts as primary contact for all potential, new and existing members by cross-selling and explaining credit union products and services to effectively meet their needs and the goals of the credit union. Interviews members to assess financial needs and recommends appropriate products and services to effectively meet those needs. Reviews features and benefits for product/service and handles any objections/questions and conducts necessary follow-up or referral to appropriate department or CUSO. Cross-sells products and services through effective use of sales skills and extensive product and service knowledge.​ Initiates telephone contact, as appropriate, to new and existing members to enhance the relationship ensure satisfaction and cross-sell additional products. Provides guidance to members in selection of appropriate savings, IRA and loan products and assists with completion of forms, using this as a tool to identify any additional cross-selling opportunities. Also provides coaching to eCommerce unit in reaching cross-sell goals. Opens new accounts and maintain accurate information related to member's accounts including posting monetary transactions to protect the assets of Tower and its members. Maintains accurate information related to member's accounts, including posting any monetary transactions, as needed. Also responsible for the security of negotiable instruments to protect Tower assets. Researches and resolves account problems and discrepancies to include error resolutions, and fraud/ACH affidavits. Makes necessary corrections and resolutions, as appropriate. Reviews Mobile Deposit applications through third party vendor website and processes applications following the Mobile Deposit procedures. Performs administrative duties for eCommerce systems to include new user setup, maintenance of security requirements and procedures. Manages vendor relationship, in conjunction with Manager, Member Serviced Center, for key electronic products and services. Recommends improvements based upon product testing, member feedback, analytical conclusions, and understanding of the business. Effectively partner with product and design teams at third party vendor to enhance electronic products and services based upon member and employee feedback. Serve as secondary contact with Tower's online and mobile product third party vendor for product issues and future product delivery possibilities. Plans, manages, researches, evaluates and co-leads key projects, in conjunction with Member Service Center Manager, with organization wide impact to successful conclusion through effective planning, leadership, organization, and control of all relevant activities. Conducts and/or participates in ongoing audits and quality assurance within assigned job function, and within eCommerce unit, to ensure system compliance and documentation integrity. Ensures proper identification and eligibility requirements in compliance with credit union policy and procedures and follows established security measures to guarantee the confidentiality of our membership. Performs and documents testing or software upgrades and new implementations; serves as a project team participant in functional areas of knowledge. Troubleshoots technological issues from members related to our web site applications including computer, internet, browser, online and mobile banking, and bill payment issues to provide timely resolutions to members. Tests integrity and consistency for information provided by any third party vendors related to online, mobile, or electronic systems after the installation of new software releases. Handles complex questions, reconstructs accounts, researches problems, files claims on behalf of the members and communicates solution to members/employees. Performs file maintenance and responds to member's account inquiries and requests on all account types to include check orders, account distributions, stop payments, /Debit card requests, address changes and account ownership maintenance or issues. Activates debit cards, releases debit card holds, resets Tower Talk 24 and/or Home Banking PINs as outlined by the eCommerce procedures. Processes wire transfer requests received within Digital Banking to ensure that expanded identification procedures are followed. Completes all required credit union compliance and product knowledge training. Ensures compliance with all Tower policies and procedures and Federal and State regulatory statutes in executing all job duties to include providing appropriate verbal and written disclosure of rates and fees for all account and loan types. Evaluates candidates for eCommerce Support Specialist position and provides feedback for performance evaluations, rewards and recognition as needed. Provides instruction and coaching in one-on-one or group situations with employees to assist in developing staff. Also schedules staff to assure adequate coverage to support the efficient operations of the eCommerce unit to include coverage for extended hours and weekends. Required Qualifications AA 's degree plus 4 years of related experience or 6 years of related experience with at least 1 year in a member contact (customer service) job. Minimum 3 years of experience with a financial institution with specialized training in electronic services such as online and mobile banking, and bill payment are required.​ Minimum 2 years team lead experience Must possess a high level of understanding of mobile, including devices, technologies and applications and must have in-depth knowledge and experience with various computer software applications including different internet browsers, operating systems, and mobile applications.​ Must be capable and comfortable working on multiple concurrent projects. Strong analytical, organizational, and planning skills required. Familiarity with Automated Call Distribution Systems to include accessing recording and reporting functionality Knowledge, Skills and Abilities Requires advanced human relations skills, a broad scope of knowledge about electronic services, products, account services, regulations and the overall functions and procedures of the operational departments within Tower Federal Credit Union. High level of proficiency in operating PC in Microsoft Windows environment, high degree of familiarity with PC applications (Word, Excel). High level of proficiency in operating PC in an Internet environment and to assist others with such operation. Ability to apply concepts of percentages, ratios and proportions to practical situations and to reconciled and balance transaction records. Ability to become proficient in the front end and back end operations of web site applications such as Home Banking and Bill Payment. Ability to read, analyze and interpret procedure manuals (operational or technical) Ability to write routine reports, internal and external communications Ability to interact effectively with technical and non-technical users at all organizational levels Ability to provide explanation or instruction in one-on-one situations either in person or over the telephone, concerning operational and technical issues. Ability to write effective, concise, complete correspondence to Tower members on a daily basis Ability to prioritize diverse job assignments and meet established deadlines Ability to complete tasks with a high degree of accuracy and attention to detail Ability to handle a multitude of tasks in a high stress call center environment Able to arrive at work routinely and promptly Ability to define problems, collect data, establish facts and draw valid conclusions Ability to accurately assess credit information for loan decisions Ability to focus on detail and verify accuracy of numbers and text Ability to interpret a variety of technical instructions in written, mathematical or diagram form Ability to troubleshoot and resolve member issues/problems related to Internet based website applications. Ability to solve problems with many concrete variables in a variety of situations Ability to respond to sensitive inquiries and complaints in a timely, effective manner. Ability to maintain sensitive and confidential information Ability to provide constructive feedback to members concerning loan applications. Ability to determine needs and sell solutions to others Has knowledge of and adheres to credit union policies and procedures and all regulations related to the bank Secrecy Act, the USA Patriot Act and OFAC. Working Conditions Ability to work the hours needed which may extend beyond the defined work schedule when operating conditions dictate. Ability to lift up to 15 lbs, with or without assistance, in compliance with ADA.

Who We Are: Lippert is a leading, global manufacturer and supplier of highly engineered products and customized solutions, dedicated to shaping, growing, and bettering the RV, marine, automotive, commercial vehicle and building products industries. We combine our strategic manufacturing capabilities with the power of our winning team culture to deliver unrivaled customer service, award-winning innovation, and premium products to all of our customers. Why We are Different: At Lippert, Everyone Matters. This is not just a tagline or empty promise; it is who we are. We have intentionally created a culture that values and celebrates our team members' unique and varied backgrounds, perspectives, and experiences. We strive to give our team members a deeper sense of purpose at work, and we continue to build a better work environment by aligning our cultural and business strategies with the needs of our team members. What You will Get: * A unique, inclusive, and supportive company culture. * Comprehensive benefit offerings including medical, dental, vision, 401k with employer match, vacation, and more! * Fair and competitive compensation. * Career development and mentoring and opportunities to grow. * Holiday, personal and vacation days. Summary/Objective: The controller will be responsible for working cross functionally with multiple plant leaders to provide them with financial insights. A key member of the plant leadership team(s), this position is the focal point for financial planning and analysis, cost accounting and profit and loss statement control. This position assumes the responsibility of the integrity of financial reporting and internal controls. Provides guidance on operational and sales opportunities. Although a leadership role, this position is a hands-on role as well as having leadership and oversight responsibilities. Duties and Responsibilities: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. * Guides financial decisions by establishing, monitoring, and enforcing policies and procedures. * Protects assets by establishing, monitoring, and enforcing internal controls. * Partners with VP, Sales Team and General Managers to maximize business value. * Support high-level plant needs for product margins, metrics, actual to budget. * Reviews and prepares financial statements for specific Business Units. * Prepares budgets with team by establishing schedules; collecting, analyzing, and consolidating financial data; recommending plans. * Achieves budget objectives by scheduling expenditures; analyzing variances; initiating corrective actions. * Provides support for mergers and acquisitions by reviewing financial information and providing support in the due diligence stage and post transaction. * Prepares special reports by collecting, analyzing, and summarizing information and trends. * Complies with federal, state, and local legal requirements by studying existing and new legislation; anticipating future legislation; enforcing adherence to requirements; filing financial reports; advising management on needed actions. Working Conditions: * Primarily working indoors, office environment. * May sit for several hours at a time. * Prolonged exposure to computer screens. * Repetitive use of hands to operate computers, printers, and copiers. Qualifications: * 5+ years of experience within accounting and finance * B.S. in Accounting or Finance Essential Functions: * Leading financial staff by driving professional and personal development opportunities to develop the next level of controllers. * Partnering with HR on recruiting, selecting and coaching employees. * Maintaining professional and technical knowledge by attending educational workshops; reviewing professional publications; establishing personal networks; participating in Maintains professional and technical knowledge by attending educational workshops; reviewing professional publications; establishing personal networks; participating in professional societies. * Protecting operations by keeping financial information and plans confidential. * Driving process and continuous improvement efforts through innovation and creativity. * Developing and monitoring business unit specific performance metrics. Competencies: * Results Driven * Ability to multi-task * Strong written and verbal communication skills * Ability to interact with and influence others * Strong attention to detail * Positive attitude * High level of integrity and ethical conduct Supervisory Responsibility: This role may have supervisory experience upon hire. Physical Demands: The physical demands described here are representative of those that must be met by a Team Member to successfully perform the essential functions of this job. While performing the duties of this job, the Team Member is regularly required to talk and hear. Specific vision abilities required by this job include close vision, distance vision, peripheral vision, depth perception and ability to adjust focus. Position Type/Expected Hours of Work: This is a full-time salary position. Hybrid schedule of onsite / remote work. 3 days a week in office. Travel: Local travel primarily during the day is expected for this role and will be less than 10%. Preferred Education and Experience: * Advanced degree or professional certification * Manufacturing experience Work Authorization/Security Clearance: Must be legally authorized to work in the United States. Pay Group : AAP/EEO Statement Lippert provides equal employment opportunity to all team members and applicants without regard to race, color, religion, sex, sexual orientation, gender identity, pregnancy, national origin, ancestry, age, genetic information, disability, citizen status, protected veteran status, military service, marital status or any other legally protected category as established by federal, state, or local law. This policy governs all employment decisions, including recruitment, hiring, job assignment, compensation, training, promotion, discipline, transfer, leave-of-absence, access to benefits, layoff, recall, termination and other personnel matters. All employment and personnel-related decisions are based solely upon legitimate, job-related factors, such as skill, ability, past performance, and length of service with Lippert. Lippert's strong commitment to equal employment opportunity requires a commitment by each individual team member. Compliance with the letter and spirit of this policy is required of all team members. Violations of this policy should be immediately reported to your leader or to any member of leadership. Team members who violate this policy will be subject to disciplinary action, up to and including termination of employment. Know Your Rights

$1000 Signing Bonus effective 1/20/2024 Note: All full-time positions include exceptionally low medical premiums in addition to a whole host of other benefits. HOURS FOR POSITION: Monday -Friday 8:00am-4:30pm- Weekend or Holiday hours may be required as needed. Schedule will be hybrid Hiring Range - $73,399 - $91,749 Summary The Supervisor of Credit Card Services is responsible for managing, implementing, integrating, maintaining, and administering the day to day operations of the Credit Card Services department. The incumbent will be responsible for the daily supervision, evaluation, and coordination of the Credit Card Services team. This position will establish performance benchmarks while securing production by ensuring that staff members are trained with proficient skill sets, as well as by proactively removing obstacles to ensure a smooth and consistent workflow. These actions require an effective partnership with the other Supervisors in Consumer Lending, the Manager of Credit Card Services, and the VP of Consumer Lending to achieve optimal results. The Supervisor of Credit Card Services position requires expert product knowledge as well as the general inter-dependencies within Consumer Lending. The Supervisor is a direct member support role that requires effective and professional customer service to our members as well as internal partners. The Supervisor of Credit Card Services will coordinate all activities with other functional areas including Consumer Lending Operations, Member Services, Marketing, and ITS to enhance members' ability to conduct business whenever and wherever they wish. The Supervisor of Credit Card Services will lead and organize the Credit Card Services team with the primary focus of delivering the highest member service standard possible. This position serves as the main contact for multiple systems and manages vendor relationships relating to these systems. Ultimately, as a leader within the department, the Supervisor of Credit Card Services will ensure the Credit Card Services team routinely demonstrates expert knowledge of policies, processes, and systems as well as engage industry best practices to promote deepening of the their business acumen. Principal Accountabilities and Functions Monitors/measures workload, quality of output, quantity of output, and overall performance of the Credit Card Services Team and adjusts resources and/or processes when appropriate. Ensures all Credit Card processes are administered in a timely and accurate manner to meet the business requirements of the channel. These duties include, but are not limited to; verification of all new Credit Cards created, adding or removing joint/authorized users, daily error resolution, balance transfer requests, payments reconciliations, report validations, and quarterly billing input. Provides performance coaching when necessary, and conducts employee performance reviews. Serve as a subject matter expert on Credit Card management tools and systems used to identify and investigate all credit card activity including fraud. Provides and/or requests relevant cross-training and back up support for team members to assist in their development and ability to meet team goals as well as for career path skill sets. Completes performance evaluations and reviews and approves/denies time off requests. Must work effectively by partnering with the Seniors, Supervisors and staff within the work unit to promote a smooth and effective production environment. Key focus points include process improvements to promote an efficient workflow, contingency planning/testing, system upgrades/enhancements/testing, cross training staff, creating and updating functional procedures, interacting with partner vendors and industry players, etc. Schedules team across rotating shifts to assure adequate coverage to support the efficient operations of the Credit Card team and other business units, to include coverage for extended hours. Serves as the subject matter expert analyst within Credit Card Services as a team member regarding specific departmental functions working with other Supervisors and Seniors. Serves as a knowledgeable resource for staff as well as responding to member and front line inquiries, interpreting and communicating various product policies and procedures, applicable laws, standards and government regulations. Must acquire and maintain a working knowledge and best industry practices of applicable policies-procedures, laws, audit practices and regulations to effectively lead the staff assigned in adherence while performing operational functions. Some examples of governing laws and regulations include: Regulation Z Credit Card Act, Truth in Lending, Bank Secrecy Act, etc. Proficiently and independently delivers various functional services in support of products within the work unit. These services are directly to, and on behalf of, Tower members and internal partners covering products that include credit card accounts, general ledger and daily settlements including associated wires, exception processing and research for resolution, card branding, new member services, etc. Independently leads and schedules daily processing ensuring that all production deadlines and agreements are met. Assists with system events, card compromises, payments issues, special initiatives, etc. by researching and fulfilling requests that protect our members and Tower. To do so, the incumbent must be aware and proactively maintain current knowledge of industry best practices and environmental events impacting our environment as well as other activities within unit. Maintains due diligence procedures to ensure accurate and timely daily production and adherence to audit requirements given zero tolerance for data integrity and external deadlines to ensure organizational compliance throughout the year based on deadlines dictated by the Federal government and other official entities as well as for all products and services in unit. Participates as a Subject Matter Expert and at times a team member in support of Action Items, projects, process improvements and special initiatives where functional expertise is required for overall success of the initiative. Monitors individual team member service levels against the performance level standards set forth by Management and makes recommendations for coaching and corrective action as necessary to the Manager, Credit Cards Operations. Provides instruction and coaching in one-on-one or group situations with employees to assist in development. Participates and assists Manager in the selection and hiring process. Attends interviews and makes recommendations to Manager for hiring. Establishes Individual Development Plan (IDP) with Manager to help personnel adjust and acclimate to environment including any organizational changes and Tower's culture Acts as liaison between members, Information Systems, our website provider, and any other third party vendor/provider dealing with Tower's Credit Cards Services to provide members with timely and satisfactory service. Assures the physical security of Credit Cards Operations including securing confidential records. Performs administrative duties for Credit Cards Operations systems to include report generation, maintenance of security requirements and procedures. Services, tests and maintains Credit Card applications to ensure accuracy, security and appropriate resolution of member and operational problems through research and communications with third parties. Assists Manager, Credit Card Services in reviewing release notes for all the programs and making any necessary changes to system and procedures based on updates, and communicating changes to end users. Required Qualifications 2 year AA degree preferred and minimum 4 years related experience; additional experience or knowledge preferred in electronic payments/products industry. Project and team management experience. Two years supervisory or lead/senior experience In lieu of preferred AA degree, minimum 5+ years of current, successful experience performing in electronic payments/products environment required. Knowledge, Skills and Abilities Proficiency in the use of standard Microsoft Office applications including Word, Excel and Visio as well as MS Query. Must possess a keen ability to determine database format that a specific situation requires. Must be able to efficiently enter, sort and extract data to understand the application of the information and interpret for other uses derived from data base systems. Ability to apply concepts of percentages, ratios and proportions to practical situations. Ability to accurately apply basic accounting rules and procedures Ability to reconcile and balance transaction records. Must be proficient in core applications and inter-related systems required to support products within the department. Ability to independently serve as Credit Card Services resource for more complex system related issues and trouble shooting. Ability to research and analyze various types of information sources, reach reasonable. conclusions, and take appropriate actions independently. Incumbent will support and explain reasoning for decisions and include the appropriate people in decision making process as needed. Experience and demonstrated ability to provide explanation or instruction and respond to questions in one-on-one situations in person and/or over the phone on a continuous basis with high visibility. Incumbent will respond promptly to customer needs and solicit customer feedback to improve member service. Ability to develop, edit, update and interpret functional procedures for a diverse audience. Successful experience and ability to interact directly with current employees, vendors, and members with tact, sensitivity, respect, and confidence. Incumbent will establish and maintain effective relations. Ability to read and interpret instructions, correspondence, reports, business periodicals, government regulations and laws to anticipate compliance and mitigate risk. Must be articulate, self confident and professional to be effective in this role. Proficiency to present information and respond to questions from a diverse group of employees and/or Seniors, Managers and vendors at various organizational levels to influence opinions and/or build a basis for decision making. Must possess excellent presentation skills to support Action Items and project initiatives for Credit Card Services. Exceptional ability to define problems, collect data, establish facts and draw valid conclusions independently. Ability to focus on detail and verify accuracy of numbers and text as well as champion the correct resolution for all stakeholders when needed. Ability to interpret and act upon a variety of technical instructions furnished in mathematical or diagram form Ability to take, follow and give written and oral instructions, and complete work required, without repeated close supervision. Exceptional ability to develop solutions for problems with abstract variables in ambiguous or novel situations without regular management oversight. Proficient ability to effectively plan, prioritize and manage multiple tasks and diverse tasks to meet established deadlines and quality standards with minimal direction to accommodate competing deadlines that continually change. Exceptional ability to complete tasks with high degree of accuracy and attention to detail. Demonstrated ability to maintain accurate records and files including work and staff schedules for utilization by self as well as others. Demonstrated ability to work productively and effectively under stress with appropriate emotional intelligence. Ability to arrive at work routinely and promptly and maintain productivity with role model behavior for others. Ability to determine needs and serve members and others. Ability to interact effectively and professionally with colleagues and supervisors as a key team member interacting with multiple management and staff levels as well as vendors based on duties. Ability to coach staff and receive constructive feedback effectively and provide suggestions for enhanced communications and to facilitate group discussion and gain consensus. Ability to respond and maintain sensitive and confidential information and safeguard records. Ability to represent oneself and the organization positively and professionally to outside groups, applicants and vendors. Has knowledge of and adheres to credit union policies and procedures and all regulations related to the bank Secrecy Act, the USA Patriot Act and OFAC. Working Conditions Ability to work the hours needed which may extend beyond the defined work schedule when operating conditions dictate. Primarily weekdays, some weekends, alternate work schedule available Ability to lift up to 15 lbs., with or without assistance, in compliance with ADA. Must be dependable, consistently ready for work as scheduled and effectively manage time at work with frequent interruptions.

Continental develops pioneering technologies and services for sustainable and connected mobility of people and their goods. Founded in 1871, the technology company offers safe, efficient, intelligent and affordable solutions for vehicles, machines, traffic and transportation. In 2023, Continental generated preliminary sales of 41.4 billion and currently employs around 200,000 people in 56 countries and markets. Tire solutions from the Tires group sector make mobility safer, smarter, and more sustainable. Its premium portfolio encompasses car, truck, bus, two-wheel, and specialty tires as well as smart solutions and services for fleets and tire retailers. Continental delivers top performance for more than 150 years and is one of the world's largest tire manufacturers. In fiscal 2023, the Tires group sector generated sales of 14 billion euros. Continental's tire sector employs more than 56,000 people worldwide and has 20 production and 16 development sites. Are you ready to shape the future with us? Hoosier Racing Tire, the largest race tire manufacturer in the world, has continually promoted passion, pride, and success in the racing industry since 1957. Based in Plymouth, Ind. their state-of-the-art facility, including a fully integrated technology and R&D center, is solely dedicated to engineering, designing, supporting, and manufacturing the over 1,000 different types of racing and high-performance tires currently produced. Instilled with the heritage of champions, Hoosier utilizes a model sales and distribution network to deliver winning results globally. Hoosier Racing Tire is a 100% subsidiary of Continental AG. Our Lakeville, IN location is seeking a Business Manager to join our team. This position is ideal for a highly motivated, detail-oriented individual with excellent communication skills. The role follows a hybrid work model, with the option to work remotely up to 8 days per month. _Are you ready to shape the future with us?_ **THE POSITION** SG 11/12 We are looking for a commercially minded Pricing professional with strong analytical skills to lead Pricing and Business Intelligence for our Racing segment within the Marketing team. This is a pricing-led role, with Business Intelligence serving as a key enabler and support function. It is not a pure data science or data engineering role. The successful candidate will own day to day pricing decisions, collaborate closely with Sales and Finance, and use BI tools to turn data into clear commercial actions. The role is a key connector to Sales, Product, Finance, and other Continental groups, including the Americas and Europe Pricing and BI teams. KEY RESPONSIBILITIES Pricing Strategy and Implementation · Own the pricing strategy and day to day execution for the Racing segment, including price lists, discounts, rebates, and customer specific conditions. · Develop and maintain pricing guidelines informed by market, competitive, and profitability analysis. · Oversee migration and integration of pricing from legacy tools into SAP pricing modules, setting and maintaining pricing conditions, rebate programs, action codes, and net price exclusions. · Utilize Product Hierarchies and Customer Group structures within SAP to optimize pricing across more than 1,500 product articles. · Serve as the primary point of contact for Sales and Product Management on pricing questions, exceptions, and deal structures. Business Intelligence and Analytics · Define and lead BI activities that directly support pricing, sales performance, and racetrack / racing trends analysis. · Build and maintain pricing and sales dashboards and reports using tools such as Power BI, PowerQuery, and advanced Excel, consolidating data for executive and sales decision making. · Conduct competitive and customer profitability analyses to support price changes, product launches, and channel strategy. Process Optimization and Automation · Implement and manage Minimum Advertised Pricing (MAP) policies, reducing channel conflict and driving consistent pricing compliance across customers. · Use automation tools such as Power Automate, to streamline recurring reporting and pricing updates and to reduce turnaround time on key pricing decisions. Inventory Optimization · Design and execute pricing actions for slow moving inventory and legacy DOT tires, balancing value recovery with channel and brand considerations. · Collaborate with Sales Channel and Product Managers to create targeted programs that support inventory health while protecting price integrity. Cross-functional Collaboration and Communication · Work closely with Sales Channel and Product Managers, Finance, Supply Chain, and other internal stakeholders to ensure pricing is aligned with volume, margin, and inventory goals. · Present clear, concise pricing proposals and BI insights to Executive Management and other leadership groups. · Communicate changes to pricing policies, guidelines, and tools effectively across the organization. **WHAT YOU BRING TO THE ROLE** + Bachelor's Degree + 5+ years of experience in Pricing, Finance and Controlling, Sales and Operations, or a closely related commercial role. + Advanced Excel skills including complex pivot tables, PowerPivot, charts, and advanced formulas. + Experience with BI tools such as Power BI and PowerQuery to support pricing and sales decision making. + Experience with ERP or pricing systems, SAP strongly preferred. + Strong communication skills and comfort presenting recommendations to Executive Management. + Strong decision making skills, affinity for numbers, and intellectual curiosity. + Continental is able to offer relocation assistance for this opportunity. + Legal Authorization to work in the US is required. Continental will only sponsor current internal employees for employment visas now or in the future for this job opening. **ADDITIONAL WAYS TO STAND OUT** + Master's Degree + 7+ years of analytical and problem solving experience in a commercial pricing or revenue management context. + Experience with additional analytics or automation tools (for example Python, KNIME, Tableau, Power Automate) used to support commercial decisions. + Experience in motorsports. **THE PERKS** + Immediate Benefits + Robust Total Rewards Package + Paid Time Off + Volunteer Time Off + Tuition Assistance + Employee Discounts, including tire discounts + Competitive Bonus Programs + Employees 401k Match + Diverse & Inclusive Work Environment with 20+ Employee Resource groups. + Hybrid Work + Employee Assistance Program + Future Growth Opportunities, including personal and professional + And many more benefits that come with working for a global industry leader! **EEO-Statement:** EEO / Disabled / Protected Veteran Employer. Continental offers equal employment opportunities to all qualified individuals, without regard to unlawful consideration to race, color, sex, sexual orientation, gender identity, age, religion, national origin, disability, veteran status, or any other status protected by applicable law. In addition, as a federal contractor, Continental complies with government regulations, including affirmative action responsibilities for qualified individuals with a disability and protected veterans, where they apply. To be considered, you must apply for a specific position for which Continental has a current posted job opening. Qualifying applications will be considered only for the specific opening(s) to which you apply. If you would like to be considered for additional or future job openings, we encourage you to reapply for other opportunities as they become available. Further, Continental provides reasonable accommodations to qualified individuals with a disability. If you need assistance in the application process, please reply to ******************** or contact US Recruiting at ************. This telephone line and email address are reserved solely for job seekers with disabilities requesting accessibility assistance or an accommodation in the job application process. Please do not call about the status of your job application, if you do not require accessibility assistance or an accommodation. Messages left for other purposes, such as following up on an application or non-disability related technical issues, will not receive a call back. Ready to drive with Continental? Take the first step and fill in the online application.

$1000 Signing Bonus effective 1/20/2024 Monday- Friday -9:0am-2:00pm Note: This Part-time position includes exceptionally low medical premiums in addition to a whole host of other benefits Hiring Range -$24.82-$31.02 Summary of Position The Physical Security & Business Continuity Assistant provides primary backup support to our Physical Security Specialist and Business Continuity Coordinator, helping ensure Tower remains a secure and resilient environment for members and staff. The Assistant will perform administrative functions such as scheduling appointments, documenting processes and maintaining documentation. They will also coordinate with outside vendors and internal staff. This position assists with investigations and therefore must have the ability to go to community and on base branch emergencies 24-7 a day (i.e. alarms, robberies, member security incidents.) Principal Accountabilities and Functions Serves as a designated contact for emergency activation under the Business Continuity and Physical Security programs. Provides administrative support for Physical Security, Business Continuity and COO. Supports access control administration (badges, logs, vendor coordination). Assists with scheduling, documentation, and maintenance of security systems (alarms, cameras, etc.). Tracks and documents compliance activities and support internal audits. Prepares and maintains official security and continuity governance records, including version control, retention, and audit trail documentation for compliance reviews. Coordinates and assists with vendors and internal teams for physical security needs. Supports scheduling meeting coordination and preparation of presentations, reports and correspondence. Tracks project milestones and ensures follow-ups and after-action items are completed and documented. Assists in maintaining and updating Business Continuity and Disaster Recovery Plans. Helps coordinate emergency response drills and continuity exercises. Maintains emergency contact lists, supply inventories, and training records. Supports after-action reporting and continuity documentation. Maintains organized records and reports for both security and continuity functions. Records meeting minutes and tracks follow-up action items for Business Continuity Team; Physical Security Team / Incident Response debriefs. Attends training to stay current on industry procedures and protocols. Processes expense reports and tracks invoices / budget spend for physical security and continuity vendors. Manages the Physical Security & Business Continuity intranet pages, ensuring up-to-date emergency contact info, maps, guides, and procedures. Uses Board or enterprise governance platform (i.e., , SharePoint, intranet) to maintain documentation and securely distribute materials. Coordinates regulatory examinations, internal audits, and vendor assessments related to physical security and business continuity. Assists with special projects, research, and follow-up on operational initiatives. Acts as the co-primary logistics lead for business continuity exercises, including materials, participants, technology readiness, agendas, and recording outcomes. Assists with RFP documentation and support (camera system replacement, access control upgrades, alarm vendor renewals). Travels independently to Tower branches or facilities, as needed, for system maintenance, vendor coordination, or emergency response assistance. Maintains readiness to respond to regional or facility-based continuity events. Provides on-call availability 24/7 for alarm calls, after-hours incidents, or emergency notifications, and supports coordination with law enforcement, vendors, or internal response teams as directed. Assists in the initiation and coordination of emergency activation activities under the direction of the COO, Physical Security Specialist, or Business Continuity Coordinator. If all three are unavailable, works with the CEO as the primary coordinator. Required Qualifications Maintains the necessary security clearances (noted above) and access permissions to enter restricted areas or base branches in compliance with Tower Federal Credit Union policies and facility requirements. Must have clearance upon hire or complete within 6 months of hire. Associate degree in business administration, risk management, or related field preferred. Three years of administrative experience. Prior experience in operations, security, compliance, or emergency planning preferred. Proficiency in Microsoft Office (Excel, Word, PowerPoint, Teams) including report and presentation creation, file version control, and shared platforms. Ability to write clear, accurate business correspondence, produce reports, and document findings.” Strong organizational skills and attention to detail. Experience coordinating work across departments and vendors, including scheduling, logistics, and follow-up activities. Or equivalent combination of education and experience Knowledge, Skills and Abilities Ability to maintain strict confidentiality when working with sensitive information, including access permissions, emergency plans, and internal response documentation. Ability to work independently. Ability to respond flexibly during incidents or drills. Ability to learn and work in a fast-paced environment Ability to write routine reports, internal and external communications. Ability to prioritize diverse job assignments and meet established deadlines. Ability to work in a team environment and work with others Has knowledge of and adheres to credit union policies and procedures and all regulations related to the bank Secrecy Act, the USA Patriot Act and OFAC. Working Conditions Ability to work the hours needed which may extend beyond the defined work schedule when operating conditions dictate. Ability to lift up to 15 lbs., with or without assistance, in compliance with ADA. Must have the ability to go to community branch emergencies 24-7 a day (i.e. alarms, robberies, member security incidents.).

Continental develops pioneering technologies and services for sustainable and connected mobility of people and their goods. Founded in 1871, the technology company offers safe, efficient, intelligent and affordable solutions for vehicles, machines, traffic and transportation. In 2021, Continental generated sales of 33.8 billion and currently employs more than 190,000 people in 58 countries and markets. On October 8, 2021, the company celebrated its 150th anniversary. The ContiTech group sector develops and manufactures, for example, cross-material, environmentally friendly and intelligent products and systems for the automotive industry, railway engineering, mining, agriculture and other key industries. Guided by the vision of "smart and sustainable solutions beyond rubber," the group sector draws on its long-standing knowledge of the industry and materials to open up new business opportunities by combining various materials with electronic components and individual services. Responsible for all tasks / activities related to Value Selling, Order Intake, Acquisition and Quote Process for assigned product lines BA OESL. Define, develop, and execute acquisition strategy and achieve agreed order intake targets. **Core Responsibilities:** + All tasks of the value chain starting from technical and commercial frontloading in the pre-acquisition process until completion of the quotation process according to Quality Certification (IATF 16949 / TS 16949) requirements (G10-G30) + Prepare negotiation strategy and lead RFQ / annual pricing and contract negotiation with customer(s) + Commercial activities during the project / product development (e.g., Cost and Price Tracking, Change Request etc.) + Negotiate anticipated Price Reduction and Discounts (aPRDs) + Lead spare part price negotiation in collaboration with sales administration. + Bachelor's degree in electrical/Mechanical/Chemical engineering or Economics/B2B Marketing and / or 5-7 years of experience in sales, engineering, and/or project management OR 4 years or more of experience in lieu of a degree. + 3 years' experience in project management in automotive business preferred. + Regional experience, multi customer experience preferred. + This is a Remote opportunity (candidates should located in the Michigan area) + Legal authorization to work in the U.S. is required. We will not sponsor individuals for employment visas, now or in the future, for this job opening. We work as a team supporting each other. Driving your area of reponsibility and promoting your customer and topics internally and externally is key. Proactive exchange with other departments is also a very important part of Tier 1 culture. We want our employees to do well with us. That's why we offer them not only an exciting job in an international technology group, but also numerous additional offers such as flexible and hybrid working, sabbaticals and other benefits. You would like to learn more about our additional services? Click here to find out more: *************************************************************************** **EEO-Statement:** EEO / Disabled / Protected Veteran Employer. Continental offers equal employment opportunities to all qualified individuals, without regard to unlawful consideration to race, color, sex, sexual orientation, gender identity, age, religion, national origin, disability, veteran status, or any other status protected by applicable law. In addition, as a federal contractor, Continental complies with government regulations, including affirmative action responsibilities for qualified individuals with a disability and protected veterans, where they apply. To be considered, you must apply for a specific position for which Continental has a current posted job opening. Qualifying applications will be considered only for the specific opening(s) to which you apply. If you would like to be considered for additional or future job openings, we encourage you to reapply for other opportunities as they become available. Further, Continental provides reasonable accommodations to qualified individuals with a disability. If you need assistance in the application process, please reply to ******************** or contact US Recruiting at ************. This telephone line and email address are reserved solely for job seekers with disabilities requesting accessibility assistance or an accommodation in the job application process. Please do not call about the status of your job application, if you do not require accessibility assistance or an accommodation. Messages left for other purposes, such as following up on an application or non-disability related technical issues, will not receive a call back. Ready to drive with Continental? Take the first step and fill in the online application.

Note: All full-time positions include exceptionally low medical premiums in addition to a whole host of other benefits. Tower is offering a $1000 Signing/Retaining bonus as of 1/20/2025. Monday - Friday 8:00am-8:00pm, Saturday 9:00am-1:00pm. Hiring Range - $28.42/hr - $35.52/hr SUMMARY OF POSITION: Collector II position is responsible for performing activities associated with all delinquent, fraudulent, and credit card accounts with intent to protect the assets of Tower Federal Credit Union. Reviews all delinquent accounts and contacts members to resolve the past due account(s). Performs duties that include telephone calls, emails, sending letters and system data entry to document collection work/activity. Utilizes various techniques, as circumstances indicate, to promptly collect delinquent balance accounts. Ensures Tower FCU professional image is maintained, while following all established regulatory policies. Serves as a back-up for administrative collection activities. May receive day to day direction from the Senior Collector or other management. This position requires compliance with Federal and State regulatory statutes, as well as internal policies and procedures. PRINCIPAL ACCOUNTABILITIES and FUNCTIONS: Responsible for supporting, demonstrating and promoting the Credit Union service culture. Provides exceptional service to all Tower Federal Credit Union members by demonstrating, following, and supporting the Inspired Financial Service promises and standards, along with the Credit Union Mission, Vision and Values. 2.Responsible for the effective and professional performance of collections functions Utilizes effective human relation skills and various forms of persuasion to present a positive image given the inherent negative situation. Answers questions and complaints relevant to Department functions. Determines reason(s) for delinquencies and works toward creating a permanent solutions. Minimizes losses by initiating early actions. Receives Delinquent reports from the computer system and verifies the status of the accounts. Contacts delinquent loan members to collect or make payment arrangements utilizing various collection methods. Evaluates loan and account contracts for Tower's options, including the right of off-set and cross-collateralization. Follows-up on delinquent accounts by telephone, personal contact and/or written correspondence to secure a satisfactory explanation and/or resolution to the loan account status. Discusses possible payment options, informs members of potential legal actions and/or suggests financial counseling to arrive at suitable payment arrangements. Continues to collect until the account is resolved, charged off or referred to an attorney. Utilizes further appropriate collection methods if initial attempts do not secure required payment (include Accurint, skip tracing, Internet search, repossession of security, etc.). Obtains member authorization for electronic payments or transfers. Coordinates repossession activities including but not limited to assignment and tracking. Monitors modifications to ensure payments and track expirations, and updates the system as needed. Provides financial counseling to members as needed. Performs collections efforts in accordance with Tower Federal Credit Union policies and procedures and ensures all actions are legally compliant. Codes accounts for bankruptcy, deceased, and legal when making recommendation. First payment defaults, including telephone calls, emails and identifying and correcting problems with automatic transfers, etc. Responsible for the efficient administration of collections activities. Document in Temenos collection system all collection efforts not limited to communication, attempted communication and actions taken, including telephone conversations, alternative financial arrangements and written correspondence (mail and/or email). Updates member demographic information in Temenos and DNA (if needed). Recommend members for hardship; process member hardship request. Sends Intent to repossess letters to delinquent auto loans, and cross collateralized accounts. Checks the collections email and voicemail box. First payment defaults, including telephone calls, emails and identifying and correcting problems with automatic transfers, etc. Assists with training and mentoring of co-workers. Completes a team training when requested by senior or management. Responsible for ensuring that professional business relations are established and maintained with members and external contacts. Required to maintain Tower Federal Credit Union professional reputation throughout the collections processes and while in contact with its members.

$1000 Signing Bonus effective 1/20/2024 Note: All full-time positions include exceptionally low medical premiums in addition to a whole host of other benefits. Monday - Friday 8:00am-4:30pm Hiring Range - $31.66/hr - $39.57/hr Summary of Position This position is responsible for the collection, maintenance and resolution of real estate loans more than 30 days delinquent and assist with loss mitigation efforts for all Real Estate secured loans. They will help manage delinquent Tower Federal Credit Union Real Estate loan portfolio; and related activity including internal and external reporting, GL reconciliation, vendor/3rd party relationships and requirements. They will monitor all delinquent Real Estate loans to protect the assets of Tower Federal Credit Union and take action to resolve when possible. Principal Accountabilities and Functions Makes effort to contact delinquent members and determines financial circumstances, including assets, indebtedness and credit history. Develops action plans to obtain payments on delinquent accounts and brings loans current within a reasonable period. Monitors account activity to verify compliance with agreed upon arrangements and follows up as needed. Maintains record of contacts and provide details to member circumstances. Initiates hardship discussions with members when appropriate as a resolution to delinquent accounts. Recommends and follows through with appropriate course of action to resolve the delinquency. This may include legal action, foreclosure, mortgage insurance claim, forbearance, loan modification etc. In addition, the position could recommend a specific action to the Loss Mitigation Committee for delinquent loans. Makes required monthly outbound collection efforts as required that include Outbound calls, letters and emails; enhanced skip tracing efforts and utilizes available 3rd party resources to locate and contact members. Accurately prepares form and ad hoc letters and notices as part of the delinquency real estate and loss mitigation process. Submits timely and accurate reports to GSE, PMI companies and internal partners and prepares MI claims and monitor for payment. Works with FNMA, foreclosure attorney and MI company to provide appropriate documentation needed for the foreclosure, short sale and monitors and obtains status reports from 3rd parties as needed. Works with members, real estate agents and others as needed to help prepare and process short sale transactions, deeds-in-lieu of foreclosure and other loss mitigation options. Prepares detailed analysis and helps make appropriate recommendations on foreclosure, short sale and modification requests. Obtains and reviews complete loss mitigation packages from members and makes appropriate recommendations. Submits reimbursement requests to GSEs using their website for reimbursable expenses paid by Tower Federal Credit Union for loss mitigation actions. Reviews GSE reimbursements as they are posted and reconciled properly. Keeps track of attorney invoices for payment and identifies which expenses are eligible for reimbursement and which are not for all RE Loans. Required Qualifications Associates degree plus years collections experience. Knowledge of FNMA and/or Real Estate loan servicing/collections; with additional knowledge of short sales, foreclosures, loan modification, repossession and bankruptcy laws and regulations Or equivalent combination of education and experience Knowledge, Skills and Abilities Ability to add, subtract, multiply and divide; reconcile and balance transaction records and apply basic accounting rules and procedures Ability to operate Microsoft Office applications (Word, Excel, and PowerPoint) Ability to read and comprehend simple instructions, short correspondence and memos; interpret procedure manuals; analyze and interpret business periodicals and other documents Ability to write routine reports and correspondence including e-mails Ability to provide explanations or instruction in one-on-one situations either in person Ability to identify cause and effect relationships and evaluate risk vs potential return; solve problems with many concrete variables in a variety of situations; focus on detail and verify accuracy of numbers and text; and to take and follow directions Able to work under stress, to deadlines and to arrive at work routinely and promptly Ability to resolve controversial or delicate matters skillfully; persuade others to consider merits of cause of action Ability to provide constructive feedback to others and to response to sensitive inquiries and complaints Ability to maintain sensitive and confidential information Able to get along with colleagues and supervisors Knowledge of Fannie Mae, Freddie Mac, FHA and MI (Mortgage Insurance) guidelines on real estate loans. Knowledge of relevant changes relating to foreclosures and investor owned loans such as Fannie Mae and Freddie Mac and associated servicing requirements and guidelines. Knowledge of current market “loss mitigation strategies” and ability to recognize when to employ these strategies which may include loan modifications, repayment plans, etc. Awareness of GSE servicing tools and online functions. Knowledge of basic real estate loan collections procedures, Ability to understand current property value, order property inspections and door knocks, and perform a foreclosure analysis to determine value of the property against any outstanding real estate loan balance. Ability to perform a foreclosure analysis to determine value of the property against any outstanding real estate loan balance. Knowledge of current market “loss mitigation strategies” and ability to recognize when to employ these strategies which may include loan modifications, repayment plans, etc. Has knowledge of and adheres to credit union policies and procedures and all regulations related to the bank Secrecy Act, the USA Patriot Act and OFAC. Working Conditions Ability to work the hours needed which may extend beyond the defined work schedule when operating conditions dictate. Ability to lift up to15 lbs., with or without assistance, in compliance with ADA.