Grow Financial Federal Credit Union 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: 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 The Desktop Support Supervisor is responsible for assisting the Manager with leading the daily operations of the Desktop Support team, ensuring the delivery of high-quality technical support to end users across the organization. This role oversees the timely resolution of incidents and service requests, manages ticket queues, and ensures adherence to service level agreements (SLAs). The supervisor provides guidance and mentorship to Desktop Support staff, monitors performance metrics, and implements process improvements to enhance service efficiency and user satisfaction. Additionally, the Desktop Supervisor collaborates with other teams to escalate and resolve complex issues, maintains documentation and knowledge bases, and ensures the effective use of service management tools such as ServiceNow. Qualifications REQUIRED SKILLS/EXPERIENCE: Bachelor of Arts/Science degree from an accredited college or university (management or technology discipline with significant computer coursework preferred) required, or an additional four years of related experience required. Three years' experience with PC operations in a Help Desk environment is required. A+ certification required or the ability to obtain within 6 months of starting. 1 year of supervisory experience required. Must have or be willing to obtain an advanced Microsoft or Cisco certification. Extensive working knowledge of Windows operating systems and Office applications. Experience in hardware troubleshooting techniques required. Working knowledge of script and script deployment. Knowledge of PowerShell scripting a plus. PHYSICAL DEMANDS Ability to move freely (standing, stooping, walking, bending, pushing and pulling) and lift up to a maximum of fifty (50) pounds without assistance. Must be able to sit, type and view computer monitors 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 This position is in-person. You'll thrive in the energetic environment of our HQ and retail stores. As part of your week, you may occasionally travel between various Grow locations. Qualified candidates must live in the Tampa Bay area. 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. * 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 Relationship Specialist I responsibilities include providing unbelievable member experiences with every member interaction both in-person and on the phone, identifying member cues, asking open-ended discovery questions, and growing consumer and business relationships by identifying member needs and properly positioning VyStar financial solutions. This key relationship building position must be able to describe VyStar Credit Union's value proposition versus competitors and convey the importance of educating and proactively helping members with their financial goals. ESSENTIAL RESPONSIBILITIES Use each member interaction both on the phone and in-person to provide unbelievable member experiences from greeting and welcoming, to strengthening and enhancing member relationships through quality conversations and cross-selling credit union solutions effectively. Identify member cues, ask open-ended discovery questions, and grow consumer and business relationships by identifying member needs. Understand and position consumer and business deposit, credit, insurance, and investment solutions appropriately. Handle personal and business account transactions, open accounts, and process various types of loan applications. Explain basics of credit and savings options and effectively refer more complex business products, mortgage solutions, investments options, and insurance. Provide additional services to members such as account maintenance, notary, wire transfer, savings bond redemption, safe deposits box services, fraud claims, and credit card disputes. Support and participate in all Credit Union initiatives and campaigns. Exercise sound judgment and discretion while remaining compliant with well-defined limits and guidelines. Work with relative independence to accomplish tasks. Exhibit a high degree of integrity, trustworthiness, and professionalism always. Exude a positive and professional attitude with members and partners consistently. Resolve member problems independently, seeking to find ways to a “yes” whenever possible, and escalating more complex concerns. Embrace VyStar's Standards of Excellence, Behaviors of Excellence, Being Unbelievable, and the Great 8 Member Service Commitments. Actively lead by example through community service supporting the VyStar brand. Utilize excellent verbal and written communication skills. Utilize all available relationship-building and documentation tools to ensure comprehensive follow-up with members, fostering continued growth in member relationships through proactive engagement and personalized service. Engage proactively with members through outbound calls to understand needs and provide comprehensive solutions related to VyStar Credit Union's products and services, resulting in booked sales. Address and overcome objections effectively while educating members about the wide array of offerings available. 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. JOB QUALIFICATIONS EDUCATION High School Diploma/GED is required. Associate's degree is preferred. EXPERIENCE Previous experience in a sales and/or customer service position, community service, military service, asking questions, offering recommendations and making referrals is preferred, preferably with a financial institution. KNOWLEDGE, SKILLS & ABILITIES Ability to process accurate transactions and requests. Must possess and utilize excellent listening skills, verbal, and written communications skills. Proficient in the use of the Internet and Microsoft Office. Must have an outgoing personality and a strong desire to help people. Must be professional in appearance and attitude. Must be able to handle many tasks in a fast-paced environment. Must possess strong critical thinking and decision-making abilities. Strong communication skills and a genuine passion for sales are essential for success in this role. 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 20 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. Marketing SpecialistACCOUNTABILITY STATEMENT The Marketing Specialist will coordinate and manage email marketing initiatives and execute assigned product marketing activities with the goal of acquiring new members and deepening relationships with existing members. Using integrated marketing automation and analytics tools, they are responsible for managing and tracking marketing campaigns that successfully promote VyStar products/services for assigned lines of business across the markets we serve. ESSENTIAL FUNCTIONS: Email Marketing Work with internal departments to create email campaigns including workflows and automation. Maintain on-going schedules for each email campaign and/or communication approved for email delivery. Measure and report email campaign results. Recommend adjustments to campaign automation and workflows to increase effectiveness and intended results. Work to decrease non-deliverable and unsubscribe emails. Ensure accurate and current lists of opt-outs/unsubscribes are maintained. Work with Compliance Department ensuring requirements, such as CAN-SPAM Act, are adhered to for every campaign. Product Marketing Partner with assigned business units to understand goals and create a quarterly calendar to execute campaigns that support their production goals. Collaborate with business units to launch complete campaigns from development, execution, and through to post-campaign reporting In partnership with AVP, Marketing Insights & Analytics Manager, develop target audiences and campaign tracking metrics Work with internal and external partners to develop campaign creative briefs Ensure all campaign creative follows the compliance approval process Partner with digital agencies to develop comprehensive digital marketing strategy for assigned lines of business Support new product and service launches as needed Partner with the digital and marketing teams to update assigned product marketing content on the public website. Ensuring product pages are accurate and optimized. Marketing Automation Serve as a user of marketing automation platform Serve as user of MCIF system Use marketing automation tools to personalize communications to members and prospects Collaborate with Email Marketing Manager to coordinate email communications for assigned lines of business (including pulling lists and establishing tracking) Digital Content Manage product content pages on the website for assigned lines of business (working with business units to ensure content is accurate) Collaborate with VP, Product Marketing to update promotions for assigned lines of business on the website Manage content calendar for marketing banner ads within online and mobile banking Partner with VP, Regional Marketing to manage content calendar for external and interior digital branch signage Work with VP, Product Marketing to update frontline communications relating to campaigns for assigned lines of business Marketing Team Support Serve on internal project teams, support functional areas within the marketing department, and assist lines of business with new initiatives as needed. EDUCATION Bachelor's degree is required (or equivalent combination of education and significant relevant experience). EXPERIENCE 4+ years marketing, sales or financial services experience inclusive of 2+ years working in marketing. 2+ years product marketing or sales experience preferred Email and digital marketing experience preferred JOB KNOWLEDGE, SKILLS & ABILITIES Excellent verbal and written communication skills Experience in presentations in a business setting Experience with HubSpot or similar marketing automation platform is preferred Advanced computer skills and an above average knowledge of the latest Microsoft Office (Word, Excel, and PowerPoint) and Adobe Professional suite Results oriented with strong strategic, analytical and interpersonal skills. High level of initiative and ability to work independently. Ability to manage multiple projects, and flexibility to adapt to changing priorities. Strong team orientation and ability to work with people from all business areas and levels. Ability to work with varying levels of internal constituents and develop communication for various internal levels. VyStar Credit Union is not seeking outside assistance or accepting unsolicited resumes from staffing agencies or search firms for employment or contractor opportunities. Any resumes submitted by an outside vendor to any employee at VyStar via e-mail, internet, or directly to hiring managers without a valid written search agreement with the Talent Acquisition / HR department will be deemed the sole property of VyStar Credit Union. No placement fee will be paid if a candidate is hired as a result of the referral, or through other means. Thank you for your inquiry regarding our current job opening. Your resume will be carefully reviewed against the position requirements. Should your experience and skills match, you will be contacted by one of our Human Resources department staff members. Thank you again for your interest in this position! VyStar Credit Union Human Resources

At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement--available to all full and part time employees. Part time positions start at a minimum of 30 hours per week. We encourage you to become a part of VyStar Credit Union's family of employees. * SELECTION PROCESS: As part of our preliminary recruiting process, we kindly ask candidates to complete an online assessment sent to their email from our third-party vendor, HireVue. To be considered, please complete the assessment within the allotted time. If you don't receive it after applying, check your spam folder. Assessment results are valid for 6 months. JOB 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. Insurance Sales AgentACCOUNTABILITY STATEMENT Responsible for generating Property & Casualty sales through ongoing prospecting and lead generation, leveraging branch networking and partnerships across our diverse range of product offerings. Ensures that insurance offerings adhere to the requirements set forth by carriers, sales centers, and regulatory authorities at the state level. Effectively drive sales transactions to enhance the profitability of VyStar Insurance Agency (VIA). Develops and maintains external networking relationships with: • Realtors • Mortgage brokers • Title Agencies • Apartment Complexes • Builders ESSENTIAL RESPONSIBILITIES Sales and Business Development Develops strategies to generate new internal and external sales opportunities. Builds and maintains relationships with VIA members and non-members. Ensures satisfaction to promote renewals and referrals. Cross-sell to grows VIA's overall book of business through diverse product offerings. Consultative Service and Problem Solving Conducts a thorough assessment of needs and delivers consultative services through proactive problem-solving. Utilizes resources proactively to provide quality and tailored solutions in a timely manner. Presents product options to address the requirements of both members and non-members, including enhanced coverage alternatives. Sales Channels and Cross-Selling Identifies and capitalizes on opportunities to sell and cross-sell both personal and commercial insurance products. Employs telephone, text, and email communication to facilitate sales efforts. Provides prompt and effective follow-up on inquiries from both members and non-members to secure new business and maintain existing policies. Relationship Building Provides comprehensive information to members and non-members regarding all VIA products and services. Develops strong relationships that are essential for fostering satisfaction, loyalty, and a connection to the VyStar brand. All employees and business units, as first line of defense, are expected to proactively help identify, assess, manage, and report risks within their domain of work. To enhance a healthy risk culture and support our growth for good pillar, employees will maintain vigilance in safeguarding our operations while ensuring compliance with regulatory mandates. The Risk team serves as the second line of defense by providing risk oversight and credible challenge whereas the Audit team serves as the third line of defense by providing risk assurance. Incumbent is expected to demonstrate each of the following VyStar Excellence behaviors in performing the duties and responsibilities of their job: Focus - Focus your full attention by carefully listening to and observing client or member. Connect - Consistently be friendly and approachable. Demonstrate your care. Understand - Listen empathetically and ask questions (70%/30% rule). Counsel - Recommend solutions based on your member's needs and objectives. Advance - Ensure that member's expectations were exceeded. Verify necessary follow-up actions. JOB QUALIFICATIONS EDUCATION High school diploma or equivalent with 1-2 years insurance experience. College degree preferred. EXPERIENCE Personal lines experienced required. Commercial experience is a plus. General knowledge of insurance departments, operations, terminology, and objectives. Continuing education hours to maintain Designations/Certifications and Insurance Related License. KNOWLEDGE, SKILLS, & ABILITIES Sales-Oriented and Resilient: Exhibits a strong aptitude for sales, demonstrating the resilience to navigate objections, exceed targets, and embody a competitive drive for success and growth. Problem-Solving Skills and Initiative: Demonstrates strong problem-solving and decision-making abilities while proactively addressing client needs with effective solutions. Self-Motivated and Accountable: Displays a proven ability to work independently, maintain confidentiality, demonstrate professionalism and competence, and take responsibility for achieving results. Proficient Communication and Telephone Etiquette: Possesses advanced written and verbal communication skills, enabling the building of rapport, positive and courteous interactions, and the delivery of exceptional customer service. Organizational Skills and Attention to Detail: Shows flexibility and possesses strong organizational skills, attention to detail, and the capability to manage multiple tasks while meeting established deadlines. Technologically Proficient and Knowledgeable: Holds a solid understanding of insurance industry, processes, and workflow procedures. Proficient in the use of technology, quoting platforms, and CRM tools. Computer Skills Proficiency in MS Office products (Outlook, Word, and Excel), internet, and other related computer applications. Preferred proficiency in Agency Management systems. Preferred Education & Experience Currently holds active State Property & Casualty licenses. Specifically, 2044 Personal lines license. 220 General Lines License preferred. Personal lines experienced required. Commercial experience is a plus. High school diploma or equivalent with 1-2 years insurance experience. College degree preferred. General knowledge of insurance departments, operations, terminology, and objectives. Continuing education hours to maintain Designations/Certifications and Insurance Related License. DISCLAIMERS AND WORK ENVIRONMENT Nothing in this position description is an implied contract for employment. The position description is intended to be an accurate account of the essential functions. The functions are not all encompassing and are subject to change at any time by management. The work environment characteristics described are representative of those that an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. As required or requested, may exert up to twenty pounds of force occasionally and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects. VyStar Credit Union is not seeking outside assistance or accepting unsolicited resumes from staffing agencies or search firms for employment or contractor opportunities. Any resumes submitted by an outside vendor to any employee at VyStar via e-mail, internet, or directly to hiring managers without a valid written search agreement with the Talent Acquisition / HR department will be deemed the sole property of VyStar Credit Union. No placement fee will be paid if a candidate is hired as a result of the referral, or through other means. Thank you for your inquiry regarding our current job opening. Your resume will be carefully reviewed against the position requirements. Should your experience and skills match, you will be contacted by one of our Human Resources department staff members. Thank you again for your interest in this position! VyStar Credit Union Human Resources

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

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

Commercial Banking Development Program The Commercial Banking Development Program is an accelerated and challenging career path designed to develop Commercial Banking Associates into well-rounded Relationship Managers that exhibit a solid credit foundation and strong relationship development skills. * 20-month rotational program that includes formal credit training and two sales-focused rotations within the Commercial Bank to gain valuable business development, sales and relationship building skills. * Professional career development through assessments, coaching, team building, and mentoring. * Exposure to senior and executive leadership. Collaborative and supportive team environment. * Gain in-depth knowledge of lending and non-lending products and services, including Treasury Management, Wealth Management, Foreign Exchange, and Global Capital Markets. * Lines of Business: Business Banking and Middle Market. Rotations may require Associates to commute to different office locations throughout the program. Position Responsibilities Phase I: Credit Rotation Formal credit training takes place within a Commercial Underwriting Center. During Phase I, Commercial Banking Associates will complete a 3-week intensive classroom training session, which includes 1-week of travel to our headquarters office in Dallas, TX. As part of the on-the-job credit training, Associates will perform the following underwriting responsibilities: * Prepare loan approval packages, in partnership with Relationship Managers and Portfolio Managers, for credit decisioning. * Provide complete analysis of loan approval packages for new credit requests, as well as annual reviews of existing relationships, utilizing the various underwriting methods as established by Credit Administration. * Analyze financial information to identify key strengths, credit risks, and mitigating factors associated with credit requests. * Determine appropriate loan structures and banking solutions to meet customer needs. * Monitor credit exposure for portfolio relationships. Phase II: Sales Rotations Sales Rotations take place within an assigned Commercial Bank Group. Commercial Banking Associates will complete a structured sales training curriculum and gain real-world experience working alongside seasoned Relationship Managers. During the Phase II, there will be two Sales Rotations through different Lines of Business, each rotation lasting four months. Associates will demonstrate their credit and sales skills, with direct involvement in the prospecting and loan approval process. Specific responsibilities include: * Working with Commercial Bank Group to analyze/structure debt facilities, conduct relationship reviews, create marketing plans, identify ancillary product opportunities, and conduct industry research. * Observing and participating in prospect and customer calls. * Observing and participating in sales, workload, and loan committee, meetings. * Learning risk mitigation processes and understand various aspects of risk and compliance. * Gaining an understanding of loan documentation and the loan closing process. * Developing an understanding of the full breadth of Comerica's products and services offerings Program Completion * Successful completion of all credit and sales training coursework and practical application across all rotations. * Prepare a final project presentation that demonstrates Sales and Credit skills learned in the program. * Initial placement into Relationship Manager I, First Level Officer position. * Placement out of the program may require relocation and is subject to business needs, performance, and will take into consideration individual preferences when possible. Position Qualifications Minimum Qualifications * Bachelor's Degree Two (2) Accounting courses (6 units) * 1 year experience with Microsoft Office Applications (Microsoft Word, Excel, PowerPoint, Outlook) Preferred Qualifications * Bachelor's Degree in Business, Economics, or similar degree field * Overall GPA of 3.0 and 3.0 GPA in two Accounting courses * 0 -- 2 years experience This position is not eligible for sponsorship. Must have indefinite employment authorization. Seeking candidates with: Excellent interpersonal, verbal, and written communication skills Exceptional analytical, problem solving, and technical aptitude Time management skills and ability to handle multiple assignments Strong work ethic, customer-focus, and commitment to the communities we serve. Work Best Category: Category C - Days in the office will either be designated days or will vary week to week from 2-5 days Hours: 8:00am - 5:00pm Monday - Friday Salary: To Be Determined Based on Individual Experience About Comerica We know our employees are critical to our overall success and we are dedicated to investing in their future. One of the ways we do this is to offer a comprehensive Total Rewards package designed to recognize and reward individual performance, as well support health, well-being, development and security for our colleagues and their family. Total Rewards consists of cash compensation, development and flexible benefit programs designed to meet individual needs today and in the future. Your salary will be commensurate with your work experience and our programs are reviewed regularly to ensure each remain competitive. We are proud to offer benefits such as health and welfare programs, strong retirement benefits, and generous paid time off programs. You and your eligible family members, including domestic partners and their children, can participate in medical, dental, and vision benefits, 401(k) and pension, income protection benefits such as life insurance, AD&D, and supplemental health programs to offset unexpected health care expenses. We also have a variety of time off programs for things like vacation, sick time, disability, and parental leave. Eligibility for some programs varies based on employment status and tenure. Upon offer, Comerica conducts a comprehensive background and fingerprint check. Your fingerprints will be used to check the criminal history records of the FBI and may be subscribed in the FBI's Record of Arrest and Prosecution Background ("RAP Back") service, which provides ongoing notification to the Company of any updates to your criminal history. NMLS certification requirement: where applicable, a favorable background check screening, credit check, fingerprint check, and NMLS certification is required in accordance with the SAFE Act. Comerica Incorporated (NYSE: CMA) is a financial services company headquartered in Dallas, Texas, and strategically aligned into three major business segments; the Commercial Bank, the Retail Bank, and Wealth Management. Comerica's colleagues focus on relationships, and helping people and businesses be successful. In addition to Texas, Comerica Bank locations can be found in Arizona, California, Florida and Michigan, with select businesses operating in several other states, as well as in Canada and Mexico. Comerica is proud to be an Equal Opportunity Employer - disability/veteran.

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: Remote/Work From Home Available Medical/Dental/Vision Insurance Employee discount on loans Team members qualify for a discount on consumer loans. Professional Development 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 Under minimal supervision: Responsible for the reconciliation and analysis of income & expenses. Prepares and interprets financial statements and related reports in conformance with generally accepted accounting principles. Actively participates in special projects as assigned by senior and executive management. Qualifications REQUIRED SKILLS/EXPERIENCE: Bachelor of Arts/Science degree in Accounting from an accredited university required, or a Bachelors degree and an additional 2 years of accounting experience, in lieu of a degree in Accounting, required. Minimum of two years of accounting experience required. Must be a self-starter and have a positive attitude. Must be a fast-paced and detail oriented; strong communication skills, both written and verbal. Proficiency with Microsoft Word, Excel and office equipment required. Ability to prioritize duties and make decisions. PHYSICAL DEMANDS 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 This role is fully remote, with the option to work from our HQ or retail locations. Apply online now! An Equal Opportunity Employer Minorities/Females/Veteran/Disabled

What we can offer you: * Career Growth -- promotional opportunities * Incentive program based on performance * Paid Time Off (PTO) * Paid Holidays for Full Time/Part Time Employees * Health, Dental, Vision, 401k match and Life Insurance * Employee Assistance Program * Tuition Assistance Program (Full Time) * Financial Coaching and Benefit Guidance * Floating Cultural Holiday * Family Focused Benefits (Paid Parental Leave, Adoption Assistance, Infertility Services) * Retirement Plan The Relationship Banker is responsible for contributing to the overall success of a Retail Banking Center(s) by committing to banker-readiness to be viewed as a trusted resource for our customers. The responsibilities will include conducting marketing activities to uncover customer needs, provide solutions leading to revenue growth in loans, deposits, and noninterest income, delivering a customer centric experience, maintaining disciplined operational objectives; all while striving for excellence in execution of the mentioned areas. This position will support Banking Centers within the District. May require working occasional Saturdays. Position Responsibilities: Marketing Activities: * Execute the proactive marketing activities for the attraction, retention, and expansion of customers. * Complete assigned daily planning activities. * Provide effective customer onboarding and engagement by routinely strengthening new customer relationships, introducing new and existing customers to Comerica's product and services, addressing customer questions, e.g., how-to use products and services and follows-up on a timely basis. * Act as a digital ambassador to transition customers to digital solutions. * Initiate quality financial wellness conversations to add value to customers relationships. * Support consumer portfolio management efforts to retain, expand and increase the number of portfolio customers in the banking center. * Assist in community awareness events to increase bank outreach and foster new business relationships. * Effective utilization of converge for customer relationship management. Operational Risk: * Ensure compliance with applicable federal, state, and local laws and regulations, and Comerica's policies and procedures. * Ensure compliance and completion of necessary compliance related training. * Impact the operational and risk activities and related results for the RB role within the Banking Center. * Adhere to all Banking Center Risk Assessment and Compliance Standards. * Control and mitigate losses by following policies and procedures. Customer Experience Management: * Actively engage in Banker Readiness by developing an in-depth knowledge of consumer and small business products and services. * Lead and oversee banking center activities in the absence of Banking Manager. * Consistently assess needs and add value to customers and prospects. * Educate and fulfill customer requests, routine and complex. * Resolve customer complaints. * Maintain and add value to deepen existing relationships. * Impact the customer experience by following defined customer experience guidelines and other customer experience behaviors and feedback as needed. * Must successfully complete Comerica Platform Training Program. * Provide remarkable customer service through all customer interaction, opening new accounts, problem resolution, telephone answering, safe deposit access, etc. * Perform routine Teller transactions as needed. * Maintain customer confidence and protects bank operations by keeping information confidential. Partnership: * Consistently impact the efforts that improve Banking Center Collaboration. * Identify opportunities to add value to customers by introducing them to partners. Position Qualifications: * Associate Degree from an Accredited College OR 60 college credits OR H.S Diploma/GED AND 3 years of customer service experience * 1 Year of Customer Service experience * 1 Year of Consumer Sales experience * 1 Year of experience utilizing Microsoft Office Products including Word, Excel, and PowerPoint Work Best Category: Category A - 100% in the office Hours: 8:30 am to 5:30 pm Monday - Friday; 8:30 am to 12:30 pm Saturday. Working hours will be scheduled during the times listed. Salary: To Be Determined Based on Individual Experience About Comerica We know our employees are critical to our overall success and we are dedicated to investing in their future. One of the ways we do this is to offer a comprehensive Total Rewards package designed to recognize and reward individual performance, as well support health, well-being, development and security for our colleagues and their family. Total Rewards consists of cash compensation, development and flexible benefit programs designed to meet individual needs today and in the future. Your salary will be commensurate with your work experience and our programs are reviewed regularly to ensure each remain competitive. We are proud to offer benefits such as health and welfare programs, strong retirement benefits, and generous paid time off programs. You and your eligible family members, including domestic partners and their children, can participate in medical, dental, and vision benefits, 401(k) and pension, income protection benefits such as life insurance, AD&D, and supplemental health programs to offset unexpected health care expenses. We also have a variety of time off programs for things like vacation, sick time, disability, and parental leave. Eligibility for some programs varies based on employment status and tenure. Upon offer, Comerica conducts a comprehensive background and fingerprint check. Your fingerprints will be used to check the criminal history records of the FBI and may be subscribed in the FBI's Record of Arrest and Prosecution Background ("RAP Back") service, which provides ongoing notification to the Company of any updates to your criminal history. NMLS certification requirement: where applicable, a favorable background check screening, credit check, fingerprint check, and NMLS certification is required in accordance with the SAFE Act. Comerica Incorporated (NYSE: CMA) is a financial services company headquartered in Dallas, Texas, and strategically aligned into three major business segments; the Commercial Bank, the Retail Bank, and Wealth Management. Comerica's colleagues focus on relationships, and helping people and businesses be successful. In addition to Texas, Comerica Bank locations can be found in Arizona, California, Florida and Michigan, with select businesses operating in several other states, as well as in Canada and Mexico. Comerica is proud to be an Equal Opportunity Employer - disability/veteran.

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

At 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. Responsibilities We are seeking a motivated and detail-oriented CFO Intern to join our dynamic finance team. This is an excellent opportunity for an aspiring finance professional to gain hands-on experience in various critical aspects of corporate finance. You will work closely with our Chief Financial Officer (CFO) and other senior executives, providing vital support in market intelligence, mergers and acquisitions (M&A), and capital markets. Internship to start January 2026. Competitive pay starting at $20/hr. We do not interview or hire students in F-1 or J-1 status and will not sponsor them for work visas. Qualifications Required Skills and Experience: Must be currently enrolled as a student with a degree in Business, Math, Economics, Accounting, or Finance from an accredited college or university. Must be in junior or senior year of undergraduate, or above. Demonstrated competency in financial and statistical reporting, design, and preparation of financial models is highly preferred. Proficiency Excel, Word, and PowerPoint. Must have excellent communication and interpersonal skills to interface with credit union personnel. Must be able to work independently. Physical Demands: 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: This role is fully remote, with the option to work from our HQ or retail locations. Normal hours are 8am -5pm, Monday - Friday, with flexibility around school schedule. Schedule will not exceed 29hrs/week. Apply online now! An Equal Opportunity Employer Minorities/Females/Veteran/Disabled #LI-Remote

Relationship Manager, Middle Market The Relationship Manager is responsible for new business development, portfolio management and underwriting to support the needs of the group. This role will focus on clients that typically have an annual revenue between $30MM and $500MM. Position Competencies: Successful incumbents are customer focused, have strong decision quality, drive for results, are good listeners and creative thinkers, negotiate well, take command of the situation, build strong peer relationships and manage with courage. Position Responsibilities: * Increase the Bank's profitability by cultivating new business relationships. * Maintain and develop customer relationships, new business, and periodic review of existing loan arrangements. * Negotiate proper loan structures, selling the Bank's credit and non-credit products. * Accept special projects in support of the team and community involvement. * Maintain knowledge of corporate banking, credit and non-credit products, trust, real estate, treasury management and other bank functions. * Maintain knowledge of accounting and financial principles, marketing and sales principles, credit analysis, economics and other bank functions. Travel Travel is required of this position at least 10% of the time. First Level Officer, Relationship Manager I, Middle Market Position Qualifications: * Bachelor's degree from an accredited university * 1 year in middle market lending, commercial lending, credit structuring or related underwriting experience Assistant Vice President, Relationship Manager II, Middle Market Position Qualifications: * Bachelor's degree from an accredited university * 3 years in middle market lending, commercial lending, credit structuring or related relationship management roles in financial services * 2 years financial sales or portfolio management experience Preferred Qualifications: * Completion of a Commercial Credit Training Program * Experience with bi-lateral and/or syndicated deals, credit products or credit analysis. * Experience in Middle Market lending, maintaining a book of clients with annual revenues between $30M and $500M * Understanding of commercial banking products and services * Demonstrated business development experience generating and retaining client relationships while meeting or exceeding sales goals, proven top individual contributor * Experience collaborating across multi-faceted financial institutions or similar institutions, especially with relationship bankers, wealth management, treasury management, product, service and operations partners Work Best Category: Category C - Days in the office will either be designated days or will vary week to week from 2-5 days Hours: 8:00am - 5:00pm Monday - Friday Salary: To Be Determined Based on Individual Experience About Comerica We know our employees are critical to our overall success and we are dedicated to investing in their future. One of the ways we do this is to offer a comprehensive Total Rewards package designed to recognize and reward individual performance, as well support health, well-being, development and security for our colleagues and their family. Total Rewards consists of cash compensation, development and flexible benefit programs designed to meet individual needs today and in the future. Your salary will be commensurate with your work experience and our programs are reviewed regularly to ensure each remain competitive. We are proud to offer benefits such as health and welfare programs, strong retirement benefits, and generous paid time off programs. You and your eligible family members, including domestic partners and their children, can participate in medical, dental, and vision benefits, 401(k) and pension, income protection benefits such as life insurance, AD&D, and supplemental health programs to offset unexpected health care expenses. We also have a variety of time off programs for things like vacation, sick time, disability, and parental leave. Eligibility for some programs varies based on employment status and tenure. Upon offer, Comerica conducts a comprehensive background and fingerprint check. Your fingerprints will be used to check the criminal history records of the FBI and may be subscribed in the FBI's Record of Arrest and Prosecution Background ("RAP Back") service, which provides ongoing notification to the Company of any updates to your criminal history. NMLS certification requirement: where applicable, a favorable background check screening, credit check, fingerprint check, and NMLS certification is required in accordance with the SAFE Act. Comerica Incorporated (NYSE: CMA) is a financial services company headquartered in Dallas, Texas, and strategically aligned into three major business segments; the Commercial Bank, the Retail Bank, and Wealth Management. Comerica's colleagues focus on relationships, and helping people and businesses be successful. In addition to Texas, Comerica Bank locations can be found in Arizona, California, Florida and Michigan, with select businesses operating in several other states, as well as in Canada and Mexico. Comerica is proud to be an Equal Opportunity Employer - disability/veteran.

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 Resolution SpecialistACCOUNTABILITY STATEMENT The mortgage loan collector contacts members to effectively reduce VyStar's exposure to financial loses caused by delinquent mortgage loan accounts. Activities must be conducted in compliance with federal and state regulations to avoid possible harassment claims and litigation. In addition, the incumbent must be well versed in secondary market and private mortgage insurance guidelines with regard to mortgage loan collections and loss mitigation efforts. ESSENTIAL JOB FUNCTIONS Reviews delinquent mortgage loan accounts in the core collection system, which have been assigned to gain information to determine appropriate collection activity to effectively elicit monies due from members. Contacts members to discuss reason for delinquency and possible solutions to resolve delinquency. Obtains information to effect collection on account and make payment arrangements. Determines appropriate and timely follow-up contact with member. Skip traces unlocated members to establish contact. Locates member and recommends legal action, which may ultimately reduce loss to VyStar. Daily works the collection system queues to ensure each delinquent account has been followed for activity and account is accurately documented in the core collections systems. Initial contact with member, mortgage loan collector assesses the reason for the delinquency and proposes solutions to the member for consideration in resolving the delinquency. Notates core collection system. Provides member hardship request information and list of documentation required to provide management to consider note modification, payment deferment, payment plan, or other special arrangements to resolve the delinquency. Provides documentation to Sr. Mortgage Loss Mitigation Specialist, Mortgage Servicing Manager, and/or Vice President Mortgage Servicing. Converses with members to discuss account information or make loan payment arrangements. Accepts funds and enters information to voucher to post transactions on data processing system or process check by phone requests. Recommends financial counseling and/or budgeting services to member's who are experiencing temporary financial challenges that are curtailing their ability to make the mortgage/equity payments in a timely manner. Updates delinquent accounts in Fannie Mae and PMI portals in compliance within insurer and investor guidelines. Works daily/weekly/monthly reports as assigned, prepares files for foreclosure referral. Manages the Vacant Property Registry for 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 Loss Mitigation Supervisor, Mortgage Servicing Manager and Vice President Mortgage Servicing. Identify and make recommendations to Mortgage Loss Mitigation Supervisor, Mortgage Servicing Manager and/or Vice President Mortgage Servicing regarding process improvements, quality service and increased efficiencies along with on all normal filings, any abnormal filing trends, and volume and filing demographics on a monthly basis. All employees and business units, as first line of defense, are expected to proactively help identify, assess, manage, and report risks within their domain of work. To enhance a healthy risk culture and support our growth for good pillar, employees will maintain vigilance in safeguarding our operations while ensuring compliance with regulatory mandates. The Risk team serves as the second line of defense by providing risk oversight and credible challenge whereas the Audit team serves as the third line of defense by providing risk assurance. Incumbent is expected to demonstrate each of the following VyStar Excellence behaviors and to provide support and feedback to employees assigned to the closing 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 A minimum of two years' experience in mortgage loan collections with a financial institution or mortgage loan company is required. Previous loss mitigation related experience is a plus Knowledge of Fair Dept Collections Practice Act (FDCPA), Federal Bankruptcy Laws, Fair Credit Reporting (FCRA), state laws governing repossession and liquidation of residential real estate and secondary market requirements for servicing derogatory loans. 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. Specialized classes in bankruptcy, foreclosure, and mortgage collections and loss mitigation will be required. Continuing education via local conferences and workshops is required for updates on federal and state regulations. KNOWLEDGE, SKILLS, & ABILITIES Knowledge of Fair Dept Collections Practice Act (FDCPA), Federal Bankruptcy Laws, Fair Credit Reporting (FCRA), state laws governing repossession and liquidation of residential real estate and secondary market requirements for servicing derogatory loans. Applicant must have positive, well-developed communication skills, both written and oral, be detail oriented, have good organizational and active listening skills, the ability to work in a fast-paced environment, and proven ability to work with others. Must have professional conduct and appearance and be self-motivated. Must work under the philosophy of “people helping people” and be able to communicate with members and legal counsel 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. 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. 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

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.

Job Description 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! We are seeking Member-driven, detail-oriented candidates, with cash handling and lending experience for the position of Financial Services Representative in our Miami, FL branch. This onsite role is responsible for providing professional, courteous, accurate and efficient service to all Members through all communication channels of the credit union. Key Job Functions: The ability to think analytically, and act in the best interests of the Member. Fulfills the financial needs of Members through education and cross-selling appropriate products and services. Performs teller duties and provides back-up support to the Lending Department in processing loan applications. Staying organized in a fast-paced environment with effective written and verbal communication skills is required as this position will engage with vendors, Members, and employees at all levels of the credit union. Required Skills and Experience: Minimum of one month of similar or related experience. Prior experience in a banking or credit union environment is strongly preferred. A high school education or GED. Must be able to push, pull, or lift up to 50 lbs., as needed, and requires extended periods of sitting and/or standing and to be able to use PC, copier, scanner, fax, etc. Must be able to obtain and maintain multiple security clearances and an in-depth background investigation to access various branches. Employee Benefits Include: Voluntary Life Insurance Flexible Spending Accounts 12 Paid Holidays (includes Birthday) Generous Paid Time Off Policy (PTO) Medical (with HRA) / Dental / Vision Insurance Corporate Bonus (based on organizational goals) Retirement Savings Plans with 6% Employer Match (fully vested on day one) Company-Paid Benefits Including Basic Life Insurance, Disability Insurance, and Financial Wellness And more! Justice Federal does not provide Visa sponsorship to employees or candidates. Compensation ranges are based on market data that enables Justice Federal Credit Union to remain competitive with other credit unions of similar asset size. Employment offers are extended within the compensation range of the position; and are commensurate with candidate experience, knowledge, and geographic location. Disclaimer: Justice Federal reserves the right to fill this role at a higher/lower grade level based on candidate experience and/or business need. Equal Opportunity/Affirmative Action employer. This company considers candidates regardless of race, color, religion, gender, sexual orientation, gender identity, national origin, disability, or veteran status. Monday - Friday, approx. 8:00 am - 4:30 pm. Please speak with the manager about specific hours. 40 hours per week