Grow Financial Federal Credit Union jobs - 45 jobs

At Grow Financial Federal Credit Union, we believe in service - to our 300,000 members, 600 team members and local communities. We're not just your average bank. We're a credit union, owned by our members and dedicated to serving people, not profit. We know that happy, engaged people provide the best service, so we live by our mantra: Be Bold. Be Great. Have Fun. Consistently named a Top Workplace by the Tampa Bay Times among multiple national awards we strive to develop a diverse, collaborative culture where you can grow personally and professionally. Our “work from where you do your best work” strategy provides flexibility to our team members - who currently reside across the U.S. - with a variety of remote, hybrid and in-person roles. We enjoy plenty of opportunities to stay connected through video collaboration, digital tools, community service initiatives and numerous activities. Whether you thrive in a remote setting, prefer the energy of in-person collaboration or seek a balance between the two, you'll find your fit here. Join us as we seek to make things grow - people, communities, money and dreams. Some of our Benefits/Perks: Competitive pay starting at $21/hr + depending on experience Medical/Dental/Vision Insurance Employee discount on consumer loans. Tuition Reimbursement of up to $5,250 per year for full-time team members. Paid Time Off 15 days/year & over 10 Paid Holidays Paid Volunteer Days Grow provides two paid volunteer days to all team members. Retirement Benefits (401K) Grow matches up to 8% for team members. Growth Potential In-house training department dedicated to helping our team members reach their maximum potential. Responsibilities Are you looking for a career, not just another job? Our Relationship Specialist role may be the right position for you! Designed to be an entry-level job, the Relationship Specialist role goes beyond a traditional bank teller - it's a career opportunity with potential for growth and advancement. In the Relationship Specialist role, you will have the opportunity to learn the ins and outs of financial services, with the ability to advance as you gain new experiences. Our Relationship Specialists are responsible for processing cash transactions, opening deposit, savings and credit card accounts, and discussing loan and retirement products. Most importantly, Relationship Specialists build meaningful relationships with our members to discover their needs and provide a superior level of customer service and expertise. You don't need to be an expert in the financial industry or have direct bank teller experience to apply for a Relationship Specialist position. If you bring a positive outlook, trainable mindset and passion for service, we'd love to talk with you about growing your career. Apply today to join our team or visit growfinancial.org/careers to learn more about us. Qualifications Required Skills & Experience High school diploma or equivalent Demonstrated customer service skills Demonstrated aptitude and desire for sales achievement and strong interpersonal skills in a team environment Basic math skills Excellent verbal communication (Bilingual English/Spanish is a plus) Working knowledge of Windows-based PC products Physical Demands Ability to see and hear, write and speak English Ability to type repetitive keystrokes Ability to sit or stand for extended periods Ability to occasionally move freely (standing, stooping, walking, bending, pushing and pulling) and lift up to a maximum of 25 pounds without assistance or with reasonable accommodation Work Environment This position is in-person. You'll thrive in the energetic environment of our retail stores. As part of your week, you may occasionally travel between various Grow locations. In this role, you'll participate in Saturday coverage rotation, with flexible availability required. Apply online now! An Equal Opportunity Employer Minorities/Females/Veteran/Disabled

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

At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement--available to all full and part time employees. Part time positions start at a minimum of 30 hours per week. We encourage you to become a part of VyStar Credit Union's family of employees. Sr. Capital Planning & Stress Testing AnalystAccountability Statement: The incumbent will be part of the Capital Planning and Stress Testing (“CPST”) Team, which resides within VyStar's front-line Finance department. The CPST Team is responsible for overseeing the capital planning and stress testing processes to ensure our institution's compliance with regulatory requirements and to maintain robust capital adequacy. The Sr. Capital Stress Test Analyst will be active in the development, implementation, and execution of the capital planning and stress testing processes ensuring alignment with regulatory guidelines and internal policies. The Sr. Capital Stress Test Analyst's key responsibilities will include data collection and analysis, assisting in the execution of stress testing models and methodologies, reporting and documentation, continuous improvement of processes. Essential Job Functions: Support the production of the capital plan, stress testing and scenario analyses to assess the credit unions' capital adequacy under various economic conditions. Utilize and manage the ALM software, Moody's ZM Desk, to enhance modeling accuracy and efficiency Verify the appropriateness of modeling assumptions Conduct advanced quantitative analysis to assess financial risks and support strategic decision-making processes. Develop, validate, and maintain financial models for stress testing and capital planning. Lead the preparation of reports for capital planning and stress testing in compliance with regulatory requirements. Utilize appropriate tools to create visual representations of data, such as charts and graphs Work closely with accounting, risk management, and IT teams to ensure data consistency and accuracy. Document/Improve processes and methodologies. Implement and oversee data quality controls and validation checks to ensure the reliability of data used in simulations and reporting. Ad hoc projects pertaining to balance sheet analysis, technological improvements, etc. Proactively plan and manage timelines and workflow contingencies Support the annual regulatory examination cycle All employees and business units, as first line of defense, are expected to proactively help identify, assess, manage, and report risks within their domain of work. To enhance a healthy risk culture and support our growth for good pillar, employees will maintain vigilance in safeguarding our operations while ensuring compliance with regulatory mandates. The Risk team serves as the second line of defense by providing risk oversight and credible challenge whereas the Audit team serves as the third line of defense by providing risk assurance. Technical Skills: Proficiency in SQL, Excel, and data visualization tools (e.g., Tableau, Power BI). Experience using statistical software (e.g., R, Python) for data analytics and quantitative methods is a plus. Financial statements and/or Fixed Income markets knowledge ALM software such as Moody's ZMdesk, QRM, FiServ (Sendero), FIS (BancWare), Empyrean, etc. In-depth understanding of balance sheet management, ALM modeling, capital planning and stress testing regulatory requirements and processes. Familiarity with credit risk modeling of Probability of Default (PD), Loss given Default (LGD) and Exposure at Default (EAD). Exceptional problem-solving abilities and attention to detail. Strong verbal and written communication skills to effectively present findings and recommendations. Experience: Required: 3+ years of experience in the analysis of financial data, preferably within the banking or financial services industry. Proficiency in data analytics and quantitative methods Preferred: Minimum of 5+ years of experience in data analysis, preferably within the banking or financial services industry. Strong knowledge of Asset Liabilities Management (ALM) is a plus. Education: Bachelor's degree in finance, Economics, Data Science, or a related field. A master's degree, CFA/FRM designation or progress towards completion is preferred. DISCLAIMERS AND WORK ENVIRONMENT Nothing in this position description is an implied contract for employment. The position description is intended to be an accurate account of the essential functions. The functions are not all encompassing and are subject to change at any time by management. The work environment characteristics described are representative of those that an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. As required or requested, may exert up to 20 pounds of force occasionally and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects. VyStar Credit Union is not seeking outside assistance or accepting unsolicited resumes from staffing agencies or search firms for employment or contractor opportunities. Any resumes submitted by an outside vendor to any employee at VyStar via e-mail, internet, or directly to hiring managers without a valid written search agreement with the Talent Acquisition / HR department will be deemed the sole property of VyStar Credit Union. No placement fee will be paid if a candidate is hired as a result of the referral, or through other means. Thank you for your inquiry regarding our current job opening. Your resume will be carefully reviewed against the position requirements. Should your experience and skills match, you will be contacted by one of our Human Resources department staff members. Thank you again for your interest in this position! VyStar Credit Union Human Resources

At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement--available to all full and part time employees. Part time positions start at a minimum of 30 hours per week. We encourage you to become a part of VyStar Credit Union's family of employees. Assistant Branch ManagerJOB SUMMARY The Assistant Branch Manager responsibilities are to coach, develop and lead branch employees to obtain individual, branch and organizational growth goals while delivering unbelievable member service experiences and maintaining operational excellence. This key position is accountable to work with the Branch Vice President to create, implement, and maintain branch strategies aligned with VyStar's objectives in a fast-paced environment. They also develop and implement tactical plans and establish objectives for the branch which are documented in the annual business plan. The Assistant Branch Manager must maintain a high level of participation within the VyStar leadership team and promote, reinforce, and support decisions of the credit union and management. The leader must also establish strong member and partner relationships and engage in community volunteer and leadership opportunities. ESSENTIAL JOB FUNCTIONS: Partner with the Branch Vice President (BVP) to ensure day-to-day branch operations, choreography, and implementation result in unbelievable service experiences for members and achieve or exceed organizational strategic goals and profitability requirements. Train, encourage, enable, and coach employees to embrace VyStar's Standards of Excellence, Behaviors of Excellence, Being Unbelievable, and the Great 8 Member Service Commitments to successfully establish, maintain, and grow strong member relationships. Model all VyStar Excellence behaviors while performing job duties. Develop staff for succession planning within the branch network and other lines of business. Work closely with Human Resources and Training to ensure the recruiting and training curriculum are appropriate, timely, and a positive experience for VyStar employees. Assist the BVP by partnering with internal departments dependent upon referrals for success. Establish and validate performance objectives for the branch consistent with VyStar Excellence and branch scorecards. Provide ongoing coaching for direct reports including side-by-side evaluations, Member Assist Call assessments, monthly performance reviews, and career progression discussions. In partnership with the BVP, conduct daily team huddles and weekly sales meetings which include training on products and services and skill practice to increase knowledge and comfort level with making recommendations to members. Prepare and administer performance appraisals for direct reports. In partnership with the BVP, analyze data to determine and implement staffing changes and modifications as needed. Support and participate in all Credit Union initiatives and campaigns. Ensure compliance with regulations, policies, and procedures and perform audits. Adhere to solid risk management guidelines in a highly regulated environment. At applicable locations, collaborate with Branch Operations Analysts to ensure compliance. Exhibit a high degree of integrity, trustworthiness, and professionalism at all times. Work from home during branch closures, such as during disaster recovery events. Actively lead by example through community service supporting the VyStar brand. Create and maintain an inclusive and professional environment where all team members are respected, and diversity is valued. As applicable, support a high school branch and Collegiate employees, including mentoring, training, and development of the student interns, and ensuring sound branch operations and compliance with rules and regulations. Resolve member concerns independently and escalate more complex concerns as appropriate. Provide counseling to members and employees on all financial matters and make appropriate recommendations. Performs other duties as assigned. All employees and business units, as first line of defense, are expected to proactively help identify, assess, manage, and report risks within their domain of work. To enhance a healthy risk culture and support our growth for good pillar, employees will maintain vigilance in safeguarding our operations while ensuring compliance with regulatory mandates. The Risk team serves as the second line of defense by providing risk oversight and credible challenge whereas the Audit team serves as the third line of defense by providing risk assurance. JOB QUALIFICATIONS EDUCATION High school Diploma/GED is required. Associate's degree is preferred. EXPERIENCE 3 + years in a customer service, sales, community service, military service, or leadership role is required. 2 years' experience in a lead role within a financial institution is preferred. KNOWLEDGE, SKILLS & ABILITIES A congenial attitude, excellent written and verbal communication skills, problem solving skills and the ability to relate well with others are required. Must possess strong teaching and mentoring skills and a commitment to quality service. Must be able to work in a fast paced, changing environment and have a strong desire to assist members in meeting their financial needs. May stand throughout entire shift in order to assist members or other staff. DISCLAIMERS AND WORK ENVIRONMENT Nothing in this position description is an implied contract for employment. The position description is intended to be an accurate account of the essential functions. The functions are not all encompassing and are subject to change at any time by management. The work environment characteristics described are representative of those that an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. As required or requested, may exert up to 50 pounds of force occasionally and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects. ADDITIONAL JOB DESCRIPTION Incumbent is expected to demonstrate each of the following VyStar Excellence behaviors in performing the duties and responsibilities of their job. Focus Focus your full attention by carefully listening to and observing your client or member. Connect Consistently be friendly and approachable. Demonstrate you care. Understand Listen empathetically and ask questions. (70%/30%) Counsel Recommend solutions based on your client's or member's needs and objectives. Advance Ensure that member's expectations were exceeded. Verify necessary follow-up action. VyStar Credit Union is not seeking outside assistance or accepting unsolicited resumes from staffing agencies or search firms for employment or contractor opportunities. Any resumes submitted by an outside vendor to any employee at VyStar via e-mail, internet, or directly to hiring managers without a valid written search agreement with the Talent Acquisition / HR department will be deemed the sole property of VyStar Credit Union. No placement fee will be paid if a candidate is hired as a result of the referral, or through other means. Thank you for your inquiry regarding our current job opening. Your resume will be carefully reviewed against the position requirements. Should your experience and skills match, you will be contacted by one of our Human Resources department staff members. Thank you again for your interest in this position! VyStar Credit Union Human Resources

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

At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement--available to all full and part time employees. Part time positions start at a minimum of 30 hours per week. We encourage you to become a part of VyStar Credit Union's family of employees. Mortgage Servicing RepresentativeACCOUNTABILITY STATEMENT The incumbent is Responsible for performing the duties and services necessary to protect VyStar's interest in mortgaged properties. This generally includes but is not limited to: disbursing property taxes, disbursing and maintaining adequate insurance coverage, flood certification monitoring, maintenance of unapplied mortgage payments, responding to member inquiries, maintaining accurate escrow records and advancing funds, when necessary, to preserve our interest in the mortgaged property. Additional duties may include preparation of mortgage files for permanent retention; processing and maintaining all closed and paid out mortgage loan files, preparation of subordination of mortgage requests.ESSENTIAL FUNCTIONS Member Service Communicate effectively with the members by phone or in person to assist in answering any questions regarding their mortgage account. Ensure timely processing of mortgage payments, payoff quotes, payoffs and account corrections. Cancellation of PMI insurance when requested by the member or when the LTV reaches 78% in accordance with the Homeowners Protection Act of 1998. Daily balancing of the branch to include clearing of any suspense or un-posted items. Completion of verification of mortgage or amortization schedules as requested. Participate in escrow analysis training to help members understand the process and forms used by VyStar. Post shortage remittance payments and reanalyze account as necessary. Create/maintain necessary desk top procedures relating to servicing all types of mortgages loans. Quality Control Verify mortgage loans are set up correctly in the servicing system. This includes but is not limited to: verification of ARM elements, initial escrow deposit, first due date, loan and payment amounts, hazard insurance, flood, wind or PMI. Ensure Real Estate taxes or insurance premiums due at closing were paid and ensure the property tax ID is accurately reported to the tax service. Insurance Tracking and Payment from Escrow Timely maintenance of all insurance disbursements from escrow accounts. This includes monitoring weekly insurance due report, keying of premium due notices and research for missing bills. Match check disbursements to policy for remittance to the appropriate insurance company or agent. Review any return items for necessary correction. Maintain renewal policy in VyStar record retention system and core system with updated information on all escrow/non escrow insurance accounts to include: coverage amount, expiration date, deductibles and loss payee information. Monitor all cancellation/non renewal notices to obtain new coverage information from member or agent. Prepare force placed insurance as necessary to protect VyStar's interest in the property. Payoff Request Responsible for processing all mortgage payoff requests from members, title companies, financial institutions and attorneys. Fax or mail requested payoff quote and retain original within the VyStar record retention system. Adjustable Rate Mortgage (ARM) Monitoring Weekly update of Treasury Index to the core servicing system. Monthly monitoring of ARM rate changes in the core servicing system, sending of rate and payment change notices. Life of Loan Flood Tracking and Cancellation Review and Monitor loans in a Special Flood Hazard Area and ensure coverage, in addition to tracking changes in Flood Zones via receiving notification from the Flood Vendors. Good Working Knowledge of the following: Satisfaction of Mortgage Preparation of Satisfaction of Mortgage document and paid in full letter on all paid mortgage accounts. Send executed satisfaction along with check for recording fee to the county of record. Recorded Satisfaction is forwarded to the member after receipt from the county of record. Preparation of the paid in full file for permanent retention in the records department. Maintain Satisfaction Tracking (SAT TRAC) on all paid out mortgages to ensure timely process of satisfaction documents. Document Imaging Prepare files for scanning to retain mortgage loan files in an electronic format within the credit union record retention system. Work collaboratively with the Mortgage Servicing Supervisor, Mortgage Servicing Manger, and Vice President Mortgage Lending to develop streamlined processes via the record retention imaging system to improve department operating efficiencies related to servicing functions and data retention. Subordination of Mortgage Responsible for preparation and imaging of subordination of mortgage documents on all requests received. Maintain Subordination of Mortgage tracking on all requests received. Cross-sells other credit union services. Identify and make recommendations to Sr. Mortgage Loan Servicing Representative, Mortgage Servicing Manager and Vice President Mortgage Lending regarding process improvements, quality service and increased efficiencies within the servicing unit. All employees and business units, as first line of defense, are expected to proactively help identify, assess, manage, and report risks within their domain of work. To enhance a healthy risk culture and support our growth for good pillar, employees will maintain vigilance in safeguarding our operations while ensuring compliance with regulatory mandates. The Risk team serves as the second line of defense by providing risk oversight and credible challenge whereas the Audit team serves as the third line of defense by providing risk assurance. Incumbent is expected to demonstrate each of the following VyStar Excellence behaviors in performing the duties and responsibilities of their job: Focus - Focus your full attention by carefully listening to and observing client or member. Connect - Consistently be friendly and approachable. Demonstrate your care. Understand - Listen empathetically and ask questions (70%/30% rule). Counsel - Recommend solutions based on your member's needs and objectives. Advance - Ensure that member's expectations were exceeded. Verify necessary follow-up actions. JOB KNOWLEDGE, SKILLS, AND ABILITIES Minimum of two years experience in a direct member contact area with a financial institution with specialization in mortgage lending, preferably mortgage loan servicing. Familiarity of mortgage documents is essential to completion of document scanning and retrieval tasks. Applicant must have positive, well-developed communication skills, both written and oral, be detail oriented, have good organizational and active listening skills, the ability to work in a fast-paced environment, and proven ability to work with others. Must have professional conduct and appearance and be self-motivated. Must work under the philosophy of “people helping people” and be able to communicate with members on all levels. Knowledge of all Microsoft Office applications and credit union software and/or core operating systems pertinent to completing various tasks and responsibilities of the position. Equipment to be used in the daily performance of job duties include HP calculator, PC, high volume scanning equipment, and multi-function copier/scanner/fax machine is required. EDUCATION The minimum formal education required is a high school diploma or its equivalent. Continuing education via local conferences and workshops is required for updates on federal regulations and secondary market requirements. DISCLAIMERS AND WORK ENVIRONMENT The work environment characteristics described here are representative of those that an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Nothing in this position description is an implied contract for employment. The functions are not all encompassing and are subject to change at any time by management. As required or requested, may exert up to 20 pounds of force occasionally and/or negligible amount of force constantly to lift, carry, push, pull, or otherwise move objects. VyStar Credit Union is not seeking outside assistance or accepting unsolicited resumes from staffing agencies or search firms for employment or contractor opportunities. Any resumes submitted by an outside vendor to any employee at VyStar via e-mail, internet, or directly to hiring managers without a valid written search agreement with the Talent Acquisition / HR department will be deemed the sole property of VyStar Credit Union. No placement fee will be paid if a candidate is hired as a result of the referral, or through other means. Thank you for your inquiry regarding our current job opening. Your resume will be carefully reviewed against the position requirements. Should your experience and skills match, you will be contacted by one of our Human Resources department staff members. Thank you again for your interest in this position! VyStar Credit Union Human Resources

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

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

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

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

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

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

Seeking a collections specialist to manage overdue accounts, negotiate payment plans, and ensure timely debt recovery while maintaining positive customer relationships. $500.00 monthly training bonus potential for the first 60 days. You can earn up to $3000.00 monthly bonus. Responsibilities: Provide excellent customer service while meeting collection goals Manage a daily call queue. Takes payments and assists management with requests for due date/deferments. Light skip tracing on accounts Identifies and recommends accounts for repossession. Performs other essential functions as assigned. Minimum qualifications: Strong negotiation skills with proven ability to effectively handle difficult customers. Ability to work in a fast-paced environment. Able to adapt to change. Problem Solving Drive for Results Basic computer skills with the ability to type 30 wpm Flexibility to work scheduled hours between 8:00 am - 6:00 pm Monday- Friday Microsoft Excel: 1 year (Preferred) Customer service: 1 year (Preferred) Reliable transportation to Lakeland Fl 33805 or plan to relocate before starting (Required) Benefits: 401(k) Dental insurance Health insurance Life insurance Paid time off Vision insurance Mid Finance Florida is an equal opportunity employer and a drug free work environment.

At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement--available to all full and part time employees. Part time positions start at a minimum of 30 hours per week. We encourage you to become a part of VyStar Credit Union's family of employees. Mortgage Loan Underwriting ManagerACCOUNTABILITY STATEMENT Holds a leadership role and acts as the primary leader for the Mortgage Loan Underwriting staff. Provides training, technical guidance and coordinates daily assignments for mortgage loan underwriters. Coaches and counsels underwriters to ensure the highest level of accuracy and quality are achieved on every loan file in the underwriting process. Monitors loan pipeline, assigns files to underwriting team to ensure Service Level Agreements are achieved. Works closely with the closing and processing teams to resolve any issues and identify opportunities for operational improvement. Monitors daily attendance and timecard reconciliation to ensure compliance with credit union tardiness and attendance guidelines and approves all requests for PTO. Must be well versed in and responsible to ensure we comply with all secondary market loan requirements, all State and Federal regulatory requirements, all private mortgage insurance requirements as well as VyStar mortgage lending policy and procedures.ESSENTIAL FUNCTIONS Manages mortgage underwriting staff related functions consistent with VyStar Credit Union policies and procedures, secondary market guidelines, and state/federal regulations. Monitors daily work assignments and timeliness of completion of underwriting to ensure all production deadlines are adhered to. Schedules and assigns work to improve productivity as needed. Review and decision mortgage applications originated within the Mortgage Department, Call Center, Branch network or the Internet. Must be able to recognize credit requests that do not meet residential mortgage loan criteria. Identify mortgage loan applications that are not approvable under residential mortgage lending policies however, may be approvable under Business Service guidelines, When appropriate, loans may be referred to Business Services. Assist processors/mortgage loan officers in determining acceptability of various mortgage applicants prior to the complete processing of files and offer alternatives as appropriate. Responsible for all training of underwriting staff to ensure compliance with state and federal regulations, secondary market underwriting guidelines, and private mortgage insurance company guidelines. Responsible to train, mentor, and coach underwriting staff to ensure the team is knowledgeable, proficient, accurately, and timely in underwriting and rendering a loan decisions on assigned files. Work with Mortgage Management to provide training to mortgage and credit union staff. Monitors the workload in the underwriting unit to ensure underwriters are meeting underwriting benchmark (i.e. turn time) expectations as communicated by management and allocates assigned loans to ensure an even distribution of work in the underwriting unit. Works with management to review underwriter performance benchmarks for underwriter production. Tasked with monitoring underwriter performance and providing reports to the Mortgage Origination Supervisor and/or Mortgage Origination Manager. Conducts periodic reviews of approved and denied loans to ensure underwriters are rendering loan decisions consistent with the level of risk communicated by management for the loan programs offered. Meets with the Mortgage Origination Supervisor and/or Mortgage Origination Manager to discuss the findings of the review. Identifies critical issues and makes judgment calls within approval limits and guidelines. Provides support to mortgage department and credit union staff by answering questions on mortgage loan program requirements, judgment decisions, and compliance related questions. Incumbent must be thoroughly familiar and stay abreast of any and all changes pertaining to secondary market, state/federal regulations and private mortgage insurers at all times. Demonstrated knowledge to restructure loan to render favorable loan decision, when possible. Cross-sells other credit union services. Prepares and presents annual evaluations for underwriting staff. Consistently adheres to VyStar core values and Code of Ethics and acts in accordance with corporate defined values and ethics. Consistently demonstrates VyStar Excellence with providing service to the membership, Credit union employees, and third party vendors. Responsible for understanding mortgage department goals as well as Credit Union goals and pro-actively works toward attainment of those goals. Identify and make recommendations to Mortgage Origination Supervisor, Mortgage Origination Manager and department Vice President regarding process improvements, quality service and increased efficiencies within the processing unit. Performs the activities and projects as assigned and requested by the Vice President Mortgage Lending. Works with the Vice President Mortgage Lending to ensure underwriters are performing in accordance with the established guidelines/benchmarks in relation to acceptable/reasonable delinquency and loss ratios Perform other duties as assigned. All employees and business units, as first line of defense, are expected to proactively help identify, assess, manage, and report risks within their domain of work. To enhance a healthy risk culture and support our growth for good pillar, employees will maintain vigilance in safeguarding our operations while ensuring compliance with regulatory mandates. The Risk team serves as the second line of defense by providing risk oversight and credible challenge whereas the Audit team serves as the third line of defense by providing risk assurance. Incumbent is expected to demonstrate each of the following VyStar Excellence behaviors in performing the duties and responsibilities of their job: Focus - Focus your full attention by carefully listening to and observing client or member. Connect - Consistently be friendly and approachable. Demonstrate your care. Understand - Listen empathetically and ask questions (70%/30% rule). Counsel - Recommend solutions based on your member's needs and objectives. Advance - Ensure that member's expectations were exceeded. Verify necessary follow-up actions. JOB KNOWLEDGE, SKILLS & ABILITIES Requires a minimum of four years in a mortgage underwriting role, preferably with supervision/management experience. Applicants must be detail oriented and be a self-motivated. Must be well versed in state and federal regulations governing mortgage origination, secondary market selling guidelines, and private mortgage insurance requirements. Applicants must have positive, well-developed effective communication skills, both written and oral, be detail oriented, demonstrate good organizational and reflective listening skills, the ability to work in a fast paced environment, and proven ability to work with others. Must have professional conduct and appearance. Must work under the philosophy of “people helping people” and be able to effectively communicate with members on all levels. Working Knowledge of various Microsoft Office applications. Demonstrated proficiency in using a personal computer. Incumbent will be required to develop a proficiency in using the various software applications and web solutions utilized by the Mortgage Department in completing daily tasks and responsibilities associated with underwriting. EDUCATION The minimum formal education required is Bachelor's Degree. Experience may be substituted at a 2:1 ratio. Specialized classes in mortgage lending beyond the college level will be required to be completed within one year of entering the Underwriting Manager position. Continuing education via local conferences and workshops is required for updates on federal regulations and secondary market requirements. The successful candidate for this job must have excellent communications skills and should have the ability to interface with other staff members to ensure smooth work flow. Continuing education via local conferences and workshops is required for updates on federal regulations and secondary market requirements. Equipment to be used in the daily performance of job duties include HP calculator, PC, and copy machine is required. Must be able to work independently on a professional level. DISCLAIMERS AND WORK ENVIRONMENT Nothing in this position description is an implied contract for employment. The position description is intended to be an accurate account of the essential functions. The functions are not all encompassing and are subject to change at any time by management. The work environment characteristics described are representative of those that an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. As required or requested, may exert up to 20 pounds of force occasionally and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects. VyStar Credit Union is not seeking outside assistance or accepting unsolicited resumes from staffing agencies or search firms for employment or contractor opportunities. Any resumes submitted by an outside vendor to any employee at VyStar via e-mail, internet, or directly to hiring managers without a valid written search agreement with the Talent Acquisition / HR department will be deemed the sole property of VyStar Credit Union. No placement fee will be paid if a candidate is hired as a result of the referral, or through other means. Thank you for your inquiry regarding our current job opening. Your resume will be carefully reviewed against the position requirements. Should your experience and skills match, you will be contacted by one of our Human Resources department staff members. Thank you again for your interest in this position! VyStar Credit Union Human Resources

At Grow Financial Federal Credit Union, we believe in service - to our 300,000 members, 600 team members and local communities. We're not just your average bank. We're a credit union, owned by our members and dedicated to serving people, not profit. We know that happy, engaged people provide the best service, so we live by our mantra: Be Bold. Be Great. Have Fun. Consistently named a Top Workplace by the Tampa Bay Times among multiple national awards we strive to develop a diverse, collaborative culture where you can grow personally and professionally. Our “work from where you do your best work” strategy provides flexibility to our team members - who currently reside across the U.S. - with a variety of remote, hybrid and in-person roles. We enjoy plenty of opportunities to stay connected through video collaboration, digital tools, community service initiatives and numerous activities. Whether you thrive in a remote setting, prefer the energy of in-person collaboration or seek a balance between the two, you'll find your fit here. Join us as we seek to make things grow - people, communities, money and dreams. Grow Financial is headquartered in Tampa, FL. For remote roles, candidates must be located in the following states: AL, AZ, AR, DE, FL, GA, ID, IN, IA, KS, KY, LA, MS, MO, MT, NE, NH, NC, ND, OH, OK, PA, SC, SD, TN, TX, UT, VA, WV, WI, WY. Some of our Benefits/Perks: Medical/Dental/Vision Insurance Employee discount on loans Team members qualify for a discount on consumer loans. Tuition Reimbursement of up to $5,250 per year for full-time team members. Paid Time Off 15 days/year & over 10 Paid Holidays Paid Volunteer Days Grow provides two bi-annual paid volunteer days to all team members. Retirement Benefits (401K) Grow matches up to 8% for team members. Growth Potential In-house training department dedicated to helping our team members reach their maximum potential. Responsibilities Reporting directly to the AVP Indirect Lending, Dealership Account Managers are responsible for the establishment, maintenance, training, and management of the dealer network which includes monitoring ongoing dealer performance such as production, application quality, delinquency, losses, profitability, etc. Submits market reports to AVP Indirect Lending regarding his/her area of responsibility in a timely manner. Interfacing directly with all dealer personnel; training dealers on all aspects of our indirect lending program; informing dealers of policy, procedures, and price changes; making recommendations for pricing/program changes. Acting as a liaison between dealership partners and all Grow departments/branches to ensure superior sales and service standards. Is responsible for meeting or exceeding key performance indicators (KPIs) established by management. This position will service the Central Florida / Jacksonville market. Qualifications REQUIRED SKILLS/EXPERIENCE: High school diploma or equivalent required; Bachelor of Arts/Science degree from an accredited university is preferred. Two years of successful business to business Account Management experience including cold calling, prospecting leads, and training skills required. One year working knowledge of the credit and finance industry is required. Two to Five years' experience specialized in indirect lending either in dealer finance, underwriting, sales, or an equivalent combination, is required . Excellent analytical, verbal, written and presentation skills. Must possess above average time management, problem solving and prioritization skills. Must possess a valid driver's license and insurance. Proficient in Microsoft Office Suite products, DealerTrack, RouteOne and AutoCount. General office equipment knowledge is required. PHYSICAL DEMANDS Ability to move freely (standing, stooping, walking, bending, pushing, and pulling) and lift up to a maximum of twenty-five (50) pounds without assistance. Must be able to sit for extended periods of time. Must be able to read, write, speak, and type English. Must be able to hear and use a telephone. Use of computer requires repetitive keystrokes. WORK ENVIRONMENT Telecommuting and home office setting. Employee will be assigned a corporate vehicle and will travel within the credit union's area of presence greater than 80% of the work week; overnight travel included. Flexible work schedule that may include evenings and/or weekends (Saturday/Sunday) hours. Apply online now! An Equal Opportunity Employer Minorities/Females/Veteran/Disabled

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

At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement--available to all full and part time employees. Part time positions start at a minimum of 30 hours per week. We encourage you to become a part of VyStar Credit Union's family of employees. Consumer Loan Modification SpecialistACCOUNTABILITY STATEMENT The Consumer Loan Modification Specialist processes consumer loan modification requests received from members that are experiencing a change in their financial position that is affecting their ability to maintain timely payments. All activities related to processing a consumer loan modification request must be conducted in compliance with credit union policies, procedures as well as all State, Federal and local regulations. Proficiency with all software, core systems and loan origination systems to include any applicable system coding required for tracking and reporting purposes. The incumbent will report to the Collections Operations Supervisor and will work collaboratively with the Sr. Loan Modification Coordinator on a day-to-day basis. ESSENTIAL FUNCTIONS Reviews incoming consumer loan modification requests and accompanying documentation for completeness. Incumbent must possess an astute attention to detail and follow-up at all times to ensure accuracy and timeliness of all documents pertaining to consumer loan modification and trouble debt restructure (TDRs) requests. Requests additional documentation required from member to complete the consumer loan modification process. Pulls and reviews credit report to ensure the accurate calculation of debt to income ratios. Verifies that NADA values are accurate on secured loans. Prepares required modification worksheets and makes a recommendation for management consideration and Sr. Consumer Loan Modification Coordinator. Communicates final consumer loan modification decision to the member, including terms and conditions of modification approval or reasons for modification declination. Completes documents and coordinates with member as to time and location of execution of documents needed for modification. Prepares consumer loan modification documentation and places the modification package in the appropriate branch folder in Laserfiche. Prepares and sends notice of adverse action for disapproved consumer loan modification requests. Completes quality assurance review of completed modification documentation and takes appropriate steps to correct any errors notated during the review process. Completes the core system loan changes required to ensure loan is serviced in conjunction with the terms and conditions of consumer loan modification. Notates special payment plans such as reages and reduced payment plans in the collections system. Follow up to ensure payments are being made as per arrangements and review to ensure proper follow up by collector. Cross-trained to work the collection system queues to ensure each delinquent account has been followed for activity and account is accurately documented in the core collections systems. Cross-sells other credit union services. Counsels member and provides alternative recommendations should their request be denied. Performs the activities and projects as assigned and requested by the Consumer Loan Modification Coordinator, Collections Operations Supervisor, Collections Operations Manager and Vice President of Lending Service Operations. Identify and make recommendations to Sr. Consumer Loan Modification Coordinator, Collections Operations Supervisor, Collection Operations Manager and Vice President of Lending Service Operations regarding process improvements, quality service and increased efficiencies. Performs other duties as assigned. All employees and business units, as first line of defense, are expected to proactively help identify, assess, manage, and report risks within their domain of work. To enhance a healthy risk culture and support our growth for good pillar, employees will maintain vigilance in safeguarding our operations while ensuring compliance with regulatory mandates. The Risk team serves as the second line of defense by providing risk oversight and credible challenge whereas the Audit team serves as the third line of defense by providing risk assurance. VYSTAR EXCELLENCE Incumbent is expected to demonstrate each of the following VyStar Excellence behaviors in performing the duties and responsibilities of their job: • Focus Focus your full attention by carefully listening to and observing client or member. • Connect Consistently be friendly and approachable. Demonstrate your care. • Understand Listen empathetically and ask questions (70%/30% rule). • Counsel Recommend solutions based on your member's needs and objectives. • Advance Ensure that member's expectations were exceeded. Verify necessary follow-up actions. QUALIFICATIONS Experience A minimum of three years experience in consumer loan processing and/or consumer loan collections within a financial environment is required. Knowledge of Federal and State regulations related to consumer lending such as the Equal Credit Opportunity Act, Truth in Lending Act, as well as the regulations related to collection activities such as the Fair Credit Reporting Act, Fair Debt Collections Practice Act (FDCPA), and Federal Bankruptcy Laws. Applicant must exhibit and demonstrate positive, well-developed communication skills, both written and verbal, be detail oriented, have excellent organizational and active listening skills, the ability to work in a fast paced environment, and proven ability to work with others at all levels. Must have professional conduct and appearance at all times and be self-motivated. Must work under the philosophy of “people helping people” and be able to communicate with members and legal council at all levels. Applicants must demonstrate the qualities of a self-starter and one who follows through on all job duties. Equipment to be used in the daily performance of job duties include HP calculator, PC, and multi-function equipment (fax, scanner, and copier) is required. Knowledge of all Microsoft Office applications and credit union software and/or core operating systems pertinent to completing various tasks and responsibilities of the position is required. EDUCATION The minimum formal education required is completion of high school. Incumbent must be knowledgeable of Federal and State regulations governing collections and loan consumer modification documentation. Continuing education via local conferences and workshops is required for updates on federal and state regulations, as necessary. DISCLAIMERS AND WORK ENVIRONMENT Nothing in this position decription is an implied contract for employment. The functions are not all encompassing and are subject to change at any time by management. The work environment characteristics described here are representative of those that an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. As required or requested, may exert up to 20 pounds of force occasionally and/or negligible amount of force constantly to lift, carry, push, pull, or otherwise move objects. VyStar Credit Union is not seeking outside assistance or accepting unsolicited resumes from staffing agencies or search firms for employment or contractor opportunities. Any resumes submitted by an outside vendor to any employee at VyStar via e-mail, internet, or directly to hiring managers without a valid written search agreement with the Talent Acquisition / HR department will be deemed the sole property of VyStar Credit Union. No placement fee will be paid if a candidate is hired as a result of the referral, or through other means. Thank you for your inquiry regarding our current job opening. Your resume will be carefully reviewed against the position requirements. Should your experience and skills match, you will be contacted by one of our Human Resources department staff members. Thank you again for your interest in this position! VyStar Credit Union Human Resources

Justice Federal Credit Union has been designated as a Best Credit Union to Work For by American Banker, for four years in a row, and is now among the Best Places to Work for Women in 2025!

At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement--available to all full and part time employees. Part time positions start at a minimum of 30 hours per week. We encourage you to become a part of VyStar Credit Union's family of employees. * SELECTION PROCESS: As part of our preliminary recruiting process, we kindly ask candidates to complete an online assessment sent to their email from our third-party vendor, HireVue. To be considered, please complete the assessment within the allotted time. If you don't receive it after applying, check your spam folder. Assessment results are valid for 6 months. ACCOUNTABILITY STATEMENT The Member Solutions Representative contacts members to effectively reduce VyStar exposure to financial losses caused by delinquent accounts. Activities must be conducted in compliance with federal and state regulations. ESSENTIAL JOB FUNCTIONS Reviews delinquency reports and collection system information to determine appropriate collection activity to effectively collect monies due from members. Contacts members to discuss delinquency. Obtains information to effect collection on accounts and make up-to-date arrangements. Follows up regularly if debt not paid current. Skip traces difficult to locate members to establish contact by reviewing all relationships in Miser, free internet sites, and skip tracing tools. Submits the account to the skip tracing team to further locate member when preliminary methods are unsuccessful. Recommends to the Member Solutions Supervisor accounts for repossession review when necessary. Considers and recommends extensions and/or payment arrangements on delinquent accounts to bring due date current. Consults as needed with the Consumer Loan Modification Team regarding extensions, payment arrangements, and workouts. Reviews and recommends charge-off accounts to Supervisor, Manager and/or AVP. Performs other duties as assigned. All employees and business units, as first line of defense, are expected to proactively help identify, assess, manage, and report risks within their domain of work. To enhance a healthy risk culture and support our growth for good pillar, employees will maintain vigilance in safeguarding our operations while ensuring compliance with regulatory mandates. The Risk team serves as the second line of defense by providing risk oversight and credible challenge whereas the Audit team serves as the third line of defense by providing risk assurance. Incumbent is expected to demonstrate each of the following VyStar Excellence behaviors in performing the duties and responsibilities of their job: Focus - Focus your full attention by carefully listening to and observing client or member. Connect - Consistently be friendly and approachable. Demonstrate your care. Understand - Listen empathetically and ask questions (70%/30% rule). Counsel - Recommend solutions based on your member's needs and objectives. Advance - Ensure that member's expectations were exceeded. Verify necessary follow-up actions. JOB QUALIFICATIONS EXPERIENCE A minimum of one-year prior office/clerical experience plus minimum of one (1) year prior collection, call center, and or customer service experience is required. Familiarity with state and federal laws governing collection procedures are preferred. Assuming the above minimum experience, an incumbent selected for this position would need three months to be fully functional in the job. EDUCATION, PHYSICAL & MENTAL REQUIREMENTS The minimal formal education required is a high school diploma or its equivalent. Position requires interpretation of auditory sources of information, i.e., group meetings, telephone calls, manual dexterity to permit interaction with a computer keyboard, the ability to organize and interpret data, i.e., report and computer displays. JOB REQUIREMENTS The incumbent is required to complete all department defined Computer Based Training courses within 90 days from the hire date achieving a passing score of at least 80%. The incumbent is required to receive, review, sign, and return to their Collections Supervisor copies of the Attendance Policy, Vacation Policy, Dress Code, and Code of Ethics within the first 30 days of employment. KNOWLEDGE, SKILLS, & ABILITIES During the first six months of employment in the Member Solutions Department, the incumbent must be capable of demonstrating knowledge and skill in the following: How to navigate through Atlas (Miser) and know the basic speed keys. Basic desktop procedures for closing accounts. Basic desktop procedures for waiving late or nsf fees. Basic skip tracing skills How to open or close checking and savings accounts. Basic desktop procedures for placing flags on accounts and removal. How to access PSCU and check balance, delinquency, statements, and history. Proficient with Report Portal, Microsoft Office, and VeriFone During employment the incumbent must maintain a satisfactory attendance and performance record. DISCLAIMERS AND WORK ENVIRONMENT Nothing in this position description is an implied contract for employment. The position description is intended to be an accurate account of the essential functions. The functions are not all encompassing and are subject to change at any time by management. The work environment characteristics described are representative of those that an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. As required or requested, may exert up to 20 pounds of force occasionally and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects VyStar Credit Union is not seeking outside assistance or accepting unsolicited resumes from staffing agencies or search firms for employment or contractor opportunities. Any resumes submitted by an outside vendor to any employee at VyStar via e-mail, internet, or directly to hiring managers without a valid written search agreement with the Talent Acquisition / HR department will be deemed the sole property of VyStar Credit Union. No placement fee will be paid if a candidate is hired as a result of the referral, or through other means. Thank you for your inquiry regarding our current job opening. Your resume will be carefully reviewed against the position requirements. Should your experience and skills match, you will be contacted by one of our Human Resources department staff members. Thank you again for your interest in this position! VyStar Credit Union Human Resources