Kirtland Federal Credit Union jobs - 36 jobs

Working at Kirtland CU is more than a job-it's a career, and one in the financial world! We pride ourselves on helping our employees learn, grow, and advance in any direction they choose. We offer a highly competitive salary, great benefits package and an energetic, vibrant work environment.

Job Scope: The Public Relations Manager is a strategic communicator and relationship builder responsible for amplifying Sunward Federal Credit Union's reputation and visibility in the communities we serve. This role leads day-to-day public relations efforts, ensuring messaging, campaigns, and community initiatives are executed consistently, accurately, and in alignment with organizational standards. This position collaborates with internal stakeholders, community partners, and media outlets to strengthen the brand, build trust, and support Sunward's growth and purpose-driven mission. Essential Functions Develop and execute a comprehensive PR & External Communications strategy that elevates Sunward's brand and positions the credit union as a trusted, forward-moving financial partner, ensuring day-to-day operational execution meets organizational standards. Identify earned media opportunities and create storylines that align with business priorities and community impact, monitoring quality and adherence to messaging standards. Partner with Marketing, Community Engagement, and Executive Leadership to ensure alignment of brand voice and messaging. Build and maintain strong relationships with local, regional, and industry media outlets. Develop media pitches, press releases, media kits, and talking points to secure positive coverage, ensuring operational consistency and adherence to communication protocols. Support executive visibility and thought leadership through contributed articles, speaking opportunities, and industry recognition. Lead the submission process for local, regional, and industry awards, highlighting Sunward's impact, innovation, and leadership. Partner with internal stakeholders to identify storylines, collect data, and develop compelling award entries, ensuring execution is accurate and timely. Cultivate partnerships with local organizations, nonprofits, and influencers to expand community impact and brand awareness. Oversee planning and promotion of community initiatives, events, and sponsorships in collaboration with cross-functional teams, ensuring operational workflows and deadlines are met. Coordinate with leadership on credit union league activities, advocacy efforts, and relationship-building with policymakers and community leaders. Support external communications related to legislative or regulatory initiatives when needed, applying practical judgment to maintain accuracy and alignment with policies. Serve as a key partner in reputation management and crisis response, preparing materials and statements as needed. Integrate social media strategy with broader external communications goals to tell cohesive, community-focused stories, monitoring execution and providing feedback to ensure alignment. Requirements Qualifications: Experience and Education 6+ years of professional experience in public relations or communications, including hands-on experience in media relations, crisis management, and external communications. Demonstrated ability to manage day-to-day operational execution of PR initiatives while maintaining strategic alignment with organizational goals. Experience in financial services, technology, or mission-driven organizations is preferred, providing familiarity with regulatory considerations, member-focused communications, and community engagement priorities. Bachelor's degree in communications, public relations, journalism, marketing, or a related field. This educational foundation supports strategic planning, effective storytelling, and professional credibility in media and community relations. Leadership Competencies Skilled in building and maintaining relationships with internal stakeholders, media, and community partners. Capable of influencing outcomes without formal authority, promoting collaboration and alignment across departments. Applies strategic thinking to operational and programmatic initiatives, balancing immediate execution needs with long-term objectives. Strong creative problem-solving skills to address workflow, communication, and engagement challenges. Knowledge Strong understanding of operational workflows, compliance standards, and communication protocols in a team-based environment. Knowledgeable in processes for media engagement, crisis response, and reputation management. Deep understanding of how to cultivate relationships with media, community organizations, and internal stakeholders to amplify organizational messaging and drive impact. Proficient in Microsoft Office applications (Word, Excel, PowerPoint, Outlook) to manage communications plans, reporting, and presentations. Skills/Abilities Exceptional writing, storytelling, and interpersonal communication skills, with the ability to craft messages that resonate with diverse audiences. Strong presentation skills and executive-level poise for interactions with senior leaders, media, and external partners. Strong project management skills, including the ability to plan, prioritize, and execute multiple initiatives simultaneously while meeting deadlines. Exceptional attention to detail and accuracy in all deliverables. Demonstrates flexibility and composure under pressure, adjusting priorities as needed to respond to urgent issues, crises, or changes in operational requirements. Skilled at working collaboratively within a team environment, ensuring consistent execution of communications strategies. Physical Requirements/Work Environment Primarily office-based, involving sedentary work with occasional walking, standing, or bending for meetings, events, or community engagement activities. Regular use of computers, phones, and other standard office equipment. Requires clear verbal and written communication with media and community stakeholders. Occasional travel to offsite events or media interviews, including moderate lifting of materials or supplies (up to 25 lbs). Fast-paced and collaborative work environment with standard business hours Monday through Friday. Occasional evenings or weekends may be required to support events, community initiatives, or crisis communications. Interaction with internal stakeholders, community partners, media representatives, and the public. May involve managing high-pressure situations related to public relations, crisis communications, or sensitive organizational matters. Salary Description $80,699.20-$100,874.00 (Depending on Experience)

Responsible for the analysis and performance of Sunwards loan portfolio. Assists with the development of data-driven strategies and reporting to assess and enhance loan performance. Collaborates with various departments to provide insight into loan portfolio trends and performance metrics that align with the credit union's strategic goals to become the economic engine of the Southwest. Essential Job Duties: Portfolio Analysis: Analyze loan product performance, identifying trends related to performance, growth, profitability, and overall portfolio health. Evaluate portfolio segmentation (e.g., loan types, geographies, credit scores) to identify areas of strength and risk, providing data insights for lending strategy adjustments. Collaborate with Finance to ensure accurate forecasting of origination and loan growth calculations to support the annual budget and growth targets. Develop and maintain key risk metrics, including delinquency ratios, net charge-off ratios , profitability, loan portfolio performance and product trends. Build dashboards to monitor performance factors and present these insights to management and key stakeholders, enabling real-time decisions. Present portfolio performance insights and recommendations to relevant committees and Sunward Lending Leaders. Benchmark Sunward's portfolio performance against peers and competitors to identify performance gaps and propose actionable adjustments. Monitor borrower and portfolio trends in response to changes in economic conditions, including interest rate movements, unemployment trends, and housing market dynamics. Provide data-driven insights to support the review of underwriting guidelines, credit risk policies, and loan pricing strategies. Assist with the design and development of dashboards for lending and reporting, including interactive tools for loan portfolio visualization. Enhance scenario analysis and market forecasting tools to optimize business strategies and capital planning. Monitor portfolio concentration risk (e.g., geographic concentration, borrower segments) and recommend adjustments to mitigate exposure. Provide insights beyond profitability and product performance or production to include but not limited to member experience, workforce management, and competitiveness. Collaboration, Reporting and Project Management: Partner with business users to interpret data findings, providing insights and suggesting potential adjustments to business strategies. Support Lending with financial reporting and effectiveness metrics. Build and maintain a forecasting framework for portfolio performance metrics. Work with Project Management Officer (PMO) to facilitate the effective scoping, reporting, and management/implementation of the projects. Directly and indirectly supports cross-functional teams of business unit leaders, analysts, internal stakeholders, and external partners (vendors) to facilitate the on-time. Perform other duties as assigned. Requirements Experience & Education: Minimum six years' combined experience in financial portfolio analysis, consumer and commercial loan underwriting requirements, or a closely related field Minimum bachelor's degree in business administration, finance, accounting, data science or related field, or more than six years of related experience. Knowledge: Strong knowledge of regulatory requirements, including but not limited to Equal Credit Opportunity Act (ECOA), Fair Housing Act (FHA), Home Mortgage Disclosure Act (HMDA), Truth in Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), Fair Credit Reporting Act (FCRA), Bank Secrecy Act (BSA) / Anti-Money Laundering (AML), UDAAP (Unfair, Deceptive, or Abusive Acts or Practices), Allowance for Credit Losses (CECL/IFRS9 standards) Familiarity with loan underwriting, loan origination, loan growth, and financial statement analysis. Strong financial acumen with experience in budgeting, forecasting, and P&L management. Familiar with statistical methods (e.g correlation, regressing, clustering, etc.) Knowledge of data visualization tools like Tableau or PowerBI, Oracle Business Intelligence, or similar tools. Required Skills/Abilities: Strong proficiency in Microsoft Office applications, particularly Word and Excel. Advanced analytical, quantitative, and problem-solving skills. Proven ability to analyze loan portfolio performance and communicate risks effectively. Physical Requirements: Prolonged periods of sitting at a desk and working on a computer. Must be able to lift 5 pounds at times. Salary Description $92,668.80 - $115,836.00

Job Scope: The Mortgage Disclosure representative plays a vital role in delivering an exceptional mortgage experience by ensuring timely and accurate initial disclosures, re-disclosures, and closing document preparation. This high-performing team member is accountable for maintaining compliance with all regulatory and investor requirements, driving operational efficiency, and supporting pipeline readiness from application to funding. Essential Functions Prepare and deliver accurate and compliant initial disclosures, Loan Estimates (LEs), Change of Circumstance (COC) disclosures, and Closing Disclosures (CDs) within required timeframes and in accordance with TRID and investor guidelines. Monitor pipeline daily to identify loans requiring disclosures or re-disclosures based on file changes, rate locks, or borrower requests. Ensure proper documentation of disclosure activities, COC events and maintain full compliance with regulatory timelines and internal policy. Partner closely with loan originators, processors, and underwriters to gather required information and resolve discrepancies prior to issuing disclosures. Review fully executed disclosure packages for accuracy and completeness, ensuring conditions are cleared prior to funding. Coordinate with title companies, settlement agents, and internal stakeholders to balance Closing Disclosures. Maintain up-to-date knowledge of mortgage disclosure regulations while supporting process enhancements Perform other duties as assigned. Requirements Qualifications: Experience and Education 2+ years of experience in mortgage operations, preferably disclosures or processing roles. High School Diploma or GED. Additional education, particularly in business or another relevant field, is preferred. Knowledge Strong knowledge of TRID, RESPA, and investor disclosure requirements. Solid understanding of mortgage LOS systems (MortgageBot/Encompass preferred), eSign platforms, and e-disclosure platforms. Proficient in Microsoft Office, including Word, Excel, and Outlook, are required. Skills/Abilities Excellent attention to detail, time management, and multi-tasking skills in a fast-paced environment. Strong written and verbal communication skills with a proactive approach to problem-solving. Ability to identify trends or recurring errors and recommend practical process improvements. Strong collaboration skills, able to coordinate effectively with internal and external stakeholders to resolve complex issues. Capability to handle sensitive or complex disclosure tasks discreetly and responsibly, ensuring accuracy under pressure. Physical Requirements/Work Environment Primarily office-based in a fast-paced, deadline-driven environment supporting mortgage operations. Prolonged periods of sitting at a desk and working on a computer. Frequent use of computer, phone, and other office equipment. Ability to read and interpret documents, reports, and disclosures accurately. Occasional lifting or moving of light office materials (up to 10-15 lbs). Visual and auditory ability to communicate effectively with team members and stakeholders. Ability to manage multiple tasks and deadlines simultaneously while maintaining focus, compliance, and confidentiality. Salary Description $23.04-$28.80 (Depending on Experience)

Under direction from the Facility Manager will perform semi-skilled, planned, proactive and reactive maintenance repair work on Credit Union grounds, building and equipment. Will work to create trust with Credit Union staff and members, and provide excellent customer service in order to provide a safe, clean and well-maintained work environment which best serves our members. Performs other related work as assigned. Accountability/ Job Duties Work cooperatively and effectively with employees, contractors and the Facilities Manager to ensure a safe environment for all individuals entering Credit Union property. Perform a variety of semi-skilled and skilled duties using a variety of hand and power tools in order to maintain and repair Credit Union facilities, including, but not limited to: Preventative maintenance tasks scheduled and generated via the automated work order system and outlined (assigned) by the Facilities Manager. Minor plumbing repairs such as replacing faucet aerators, replacing filters on refrigerators and ice makers, unplugging clogged sinks and toilets, replacing and tightening toilet seats, and adjusting and repairing flush valves and tank toilets. Minor carpentry and millwork repair relating to doors, windows, cabinets, and other similar items. Small paint projects (i.e. touch-up painting and minor wall paper repair). Electrical work to include changing out lamps and possibly ballasts, setting time clocks, replacing and installing cover plates on switches and receptacles. General HVAC inspections and trouble-shooting, adjust thermostats if needed, log equipment and promptly report issues that may require more trained technicians. General building maintenance such as hanging picture frames for departments, clean-up of spills when custodians are not available, installing dispensers in restrooms, and stocking paper products if needed. Occasional cleaning activities such as dusting, mopping, trash removal or snow removal if needed. Maintenance of the grounds by picking up trash, pulling weeds, and trimming shrubs and trees. Identify and perform proactive work and repairs in order to prevent future, more costly repairs. Enter the following into the automated work order system: respond to customer requests with updates and action/solution(s), document work performed and time needed for task and materials used. Travel as needed between locations to perform assigned duties. Requirements Experience and Knowledge: Minimum eight years of experience performing commercial facilities maintenance, preferably in a corporate or financial institution setting. Demonstrated knowledge of general construction and repair techniques related to electrical, plumbing, HVAC, carpentry and other related systems. Knowledgeable in the use of hand tools and power tools associated with facility maintenance. Demonstrated knowledge and experience practicing safe workplace techniques to prevent personal injury and injury to others. Basic knowledge of computer applications. Prior experience with an automated work order system (i.e. FacilityDUDE) desired. Education: High school diploma or GED equivalent. An apprentice or journeyman's license in electrical or plumbing preferred. Interpersonal Skills: Works well with Credit Union members, employees and service technicians/third party vendors. Able to handle difficult situations and persons in a positive and professional manner. Communication: Possesses good verbal and written communication skills. Able to read and utilize technical manuals and architectural drawings. Able to respond via email, telephone and in person in a timely and effective manner. Other Skills: Possesses a valid New Mexico Class “C” Driver's License and continually meets the requirements to maintain such a license. Must have/maintain a good driving record. Demonstrates a general passion for creative problem-solving. Environmental Conditions The working conditions of this position are generally representative of those of a maintenance worker in a working situation. Work performed can be both indoors and outdoors in a variety of weather conditions. Activities and physical tasks associated with the position include, but are not limited to, those listed below: Continuously: keeps a constant work pace, works in dry conditions, inspects and sees things up close, speaks to people, listens and hears others speak. Frequently: uses hands and power tools, works with others, follows instructions, makes sound judgments, able to see to each side, hears loud mechanical sounds, senses odors, senses by touch and feel, stands, walks, climbs stairs, manipulates objects using hands, writes, uses a keyboard, drives a vehicle and climbs ladders. Occasionally: lifts and carries up to 50 pounds, works alone, performs repetitive tasks, works around noise and vibration, works in temperature changing environments, works in outdoor temperatures from -10 dF to 110 dF and in damp or wet conditions, works with fumes and solvent odors, oils and acid base cleaners. Rarely: works with toxins. Salary Description $20.28-$25.36 (Depending on Experience)

Supervises branch member service and teller departments. Creates a productive, rewarding, team and service- oriented work environment that provides for the development of employees, while meeting all established goals and metrics of the Credit Union. Always Emulates and promotes the Credit Union's core values. This position is with our Talent Pool. Supervisor will work in the Talent Pool for a period of about 6 months and then be placed at other branches as positions open up. Essential Job Duties: Leadership: Liaise with HR and OD to recruit, onboard, develop, and retain high-quality staff. Oversees the daily workflow of the department. Provides constructive and timely one-on-ones and performance evaluations. Effectively coaches, mentors, motivates, and manages the staff to ensure delivery of communications to employees in a timely and accurate manner while maintaining the Credit Union's high standard of quality. Ensures that the department fosters a productive, rewarding work environment that provides for the development of employees; meets all established goals and metrics; and operates within the Credit Union's core values. Lead and coach to ensure consistent member-focused service in every interaction. Lead and support change initiatives, ensuring smooth transitions by fostering team buy-in, clear communication, and continuous guidance throughout the process. Team Performance: Ensure employees have the proper tools and resources to successfully perform the requirements of their job. Plan and schedule staff effectively to achieve quality service goals and staff development plans. Promote a safe, secure and functional environment for Credit Union members and employees. Ensure availability, security and privacy of cash and negotiable items to provide member service and protect Credit Union assets. Ensure that member and Credit Union information is treated with the utmost confidentiality and security to support the Credit Union's core purpose of being “our members' trusted partner”. Uphold the Credit Union's compliance with the Bank Secrecy Act (BSA), which includes compliance with the Customer Identification Program and anti-money laundering policies and procedures. Report unusual or suspicious activity in writing to the Legal and Compliance Department. Recommend and implement department improvements for efficiency, branch consistency, and cost effectiveness. Manage branch-related risks, making sound decisions in a manner that provides maximum service value to members and minimal risk to the Credit Union. Provide training and ensure adherence to internal controls, procedures and security guidelines to minimize risk to the Credit Union and its employees. Plan and contribute to the budget process, recommend staff and department additions and focus on maintaining department expenses within the approved budget limits. Complete annual BSA and OFAC training. Performs other duties as assigned. Member Service Operations: Develop and maintain strong relationships with all Sunward stakeholders, exhibiting the Credit Union's core values to enhance membership growth and loyalty. Collaborates with Retail Leaders to build a growth culture focused on exceeding the needs of our members, create and implement internal growth plans, track progress of activities Assist with management of the overall member service and sales process within the branch by: Providing service and sales coaching and feedback to employees Actively listening to and assessing the needs of the member, explaining the features and benefits of targeted products and services, and offering targeted solutions to meet the member's needs Requirements Required Skills/Abilities: Excellent interpersonal and negotiation skills. Excellent organizational skills and attention to detail. Strong proficiency with Microsoft Office applications. Familiar and comfortable with information technology, particularly digital means of communication. Strong organizational skills in managing multiple initiatives. Strong analytical and problem-solving skills. Education and Experience: Minimum 4 years' combined experience in a financial institution, supervisory role, or related experience Minimum bachelor's degree equivalent, or, more than 4 years' of related experience. Physical Requirements: Prolonged periods of sitting at a desk and working on a computer. Must be able to lift 20 pounds at times. Salary Description $58,000 - $72,500 (Depends on Experience)

Job Scope: Leads the day-to-day operations of the Credit Union's facilities function, including maintenance, repairs, space utilization, and small- to medium-scale construction or renovation projects. Oversees a team responsible for executing operational tasks and coordinating vendor work to ensure buildings and workspaces are safe, functional, and aligned with service standards. Supports the planning and execution of construction and renovation initiatives by reviewing schedules, budgets, and contractor progress. Guides staff in implementing project plans, ensures compliance with permitting, building codes, and safety regulations, and addresses operational issues promptly. Coordinates with other departments to align facilities and construction activities with organizational goals. Essential Functions Lead the facilities team in daily operations, including maintenance, repairs, space planning, relocations, and minor renovations. Monitor work quality, safety, and service standards. Supervise, coach, and support staff, providing guidance, training, and feedback to ensure effective execution of operational and project-related tasks. Coordinate and monitor construction and renovation projects, including reviewing contractor schedules, budgets, and deliverables. Ensure compliance with permits, codes, and safety regulations, and escalate issues as needed. Serve as the primary operational contact for vendors, contractors, and internal stakeholders during assigned construction or renovation projects. Track project progress, approve routine expenditures, and recommend adjustments to meet objectives. Manage vendor relationships and service contracts, ensuring work is delivered according to service levels, schedules, and organizational standards. Respond to facility-related emergencies or urgent repairs, making practical decisions to maintain safety and operational continuity. Support executive management on larger construction initiatives by providing operational insights, monitoring project milestones, and ensuring that team-level tasks are completed accurately. Maintain up-to-date knowledge of facility management, construction practices, permitting, and compliance requirements to guide team operations and support project execution. Support Disaster Recovery and Business Continuity planning as it relates to facility operations, ensuring readiness of buildings, systems, and staff responsibilities during disruptions. Requirements Qualifications: Experience and Education 6+ years of progressively responsible experience in facilities management or building operations, including maintenance coordination, permitting processes, vendor management, and compliance with building codes and safety regulations. Experience working with construction, maintenance trades, or building systems (e.g., HVAC, plumbing, electrical, or automated controls). Experience managing vendors, service contracts, or project timelines with a focus on service quality and operational efficiency Experience supervising or coaching staff in daily operational activities. Experience supporting internal customers and maintaining operational service standards. Experience within a credit union, bank, or other branch-based environment preferred. Valid driver's license with a satisfactory driving record; ability to maintain insurance as required. Bachelor's degree in facilities management, engineering, architecture, construction management, or related field. Relevant work experience may be substituted in lieu of education. Professional certifications such as IFMA, GB98, or related credentials preferred. Leadership Competencies Leads with a team-first approach, providing coaching, guidance, and performance feedback to ensure operational excellence. Builds and maintains positive working relationships with employees, peers, vendors, and internal partners. Handles challenging situations with patience, professionalism, and sound judgment. Collaborates effectively across departments and fosters teamwork to meet operational goals. Communicates expectations clearly, provides timely feedback, and promotes accountability and engagement within the team. Knowledge Operational knowledge of facilities management, including maintenance, repairs, space utilization, and workplace safety. Applies this knowledge to monitor team/vendor performance, enforce standards, and coach staff effectively. Practical knowledge of building systems (e.g., HVAC, plumbing, electrical, automated control systems) sufficient to guide staff, review vendor work, and ensure compliance with codes and regulations. Solid understanding of construction and renovation processes, including project scheduling, contractor coordination, permitting, inspections, and code compliance. Working knowledge of federal, state, and local regulations affecting facility operations, construction projects, permitting, zoning, and safety standards. Understanding of vendor management, including contract administration, performance evaluation, and service-level oversight, with the ability to address issues and recommend operational improvements. Knowledge of operational budgeting, cost control, and resource allocation to manage team-level expenditures and support small-scale capital projects. Proficient with facility management software and Microsoft Office tools to plan work, track performance, analyze data, and communicate effectively. Awareness of credit union operations and member service principles to align facilities support with organizational needs. Skills/Abilities Ability to plan, coordinate, and monitor small- to medium-scale construction or renovation projects, ensuring completion on time, within budget, and compliant with regulations. Strong organizational and time-management skills, capable of balancing operational tasks and project oversight. Ability to train, coach, and support staff in daily operations and project-related activities. Effective verbal and written communication skills for interacting with staff, vendors, contractors, and internal stakeholders. Practical problem-solving skills for addressing operational or project issues and escalating when necessary. Competence in basic math and budgeting for operational and project-related cost tracking. Commitment to process improvement and maintaining safe, functional, and well-maintained facilities. Physical Requirements/Work Environment Ability to walk, stand, and move throughout Credit Union facilities and construction or renovation sites. Ability to climb stairs, ladders, or scaffolding as needed to inspect or oversee facility or construction work. Ability to lift, carry, or move items up to 25-50 pounds occasionally (e.g., equipment, supplies). Visual and auditory acuity to monitor work, read plans, and communicate effectively with staff and vendors. Ability to use computers, phones, and other office equipment for reporting, scheduling, and communication. Must be able to drive to multiple Credit Union locations or construction sites as required. Work may require occasional exposure to dust, noise, or temperature variations on construction or maintenance sites. May be required to work outside normal business hours, including evenings or weekends, to oversee projects, respond to emergencies, or support operational needs. Ability to perform physical inspections and walkthroughs of facilities and construction sites safely.

Working at Kirtland CU is more than a job-it's a career, and one in the financial world! We pride ourselves on helping our employees learn, grow, and advance in any direction they choose. We offer a highly competitive salary, great benefits package and an energetic, vibrant work environment. We are currently seeking a Post Charge-off Recovery Specialist to join Kirtland Credit Union! This is a full-time, On-Site position, based at our Gibson Operations Center in Albuquerque. We encourage a cover letter when applying. Sign on Bonus available with this position! Join the rest of our teammates and become eligible for a generous benefits package that we offer: Medical, Dental and Vision Insurance 401(k) Retirement savings program 401 (k) employer match Paid time off with accrual starting from day one. 11 Paid holidays off during the year! Tuition Reimbursement for College Degrees Employee Clothing Advance Fitness Reimbursement Program Employer paid Life Insurance Employee Assistance Program Employer paid Short- and Long-Term Disability Insurance Travel Assistance Program This is what we would like you to do: Responsible for maximizing the recovery of charged-off loans and share accounts, including analyzing and evaluating debts, debtors, and courses of action consistent with applicable department standards, as well as working with collection agency partners and legal representatives. Provide supporting information and updates requested by authorized parties. Ensure accurate financial record-keeping for amounts received as recoveries, as well as tracking of amounts owed, including through judgment and garnishment or under a stipulated agreement. Interact with debtors, co-workers, attorneys, credit reporting agencies, debt collection agencies, and others as required by each situation. Support the credit union's mission, vision, strategic goals, quality initiatives and service standards. Primary Job Duties: Assumes responsibility for ensuring post charge-off collection efforts are timely, efficient, and accurate. Understands and assesses the different avenues for post charge-off debt collection, including the various potential outcomes of collections lawsuits, including stipulated agreements and judgment and garnishment. Understands and maintains current working knowledge of all applicable federal and state consumer credit collection laws and regulations, i.e., Fair Debt Collection Practices Act, Fair Credit Reporting Act, and the Uniform Commercial Code as adopted in applicable states, as well as bankruptcy laws. Develops familiarity with Credit Union records and collections systems and other systems/applications which house information about and/or report on loans serviced by Credit Union, as well as how data is transmitted across such systems. Reviews and understands applicable legal documents, including contracts and court judgments. Testifies on behalf of Credit Union at court proceedings when and as required. Exercises ability to make sound decisions in routine and non-routine situations with minimal supervision. Updates credit bureau reporting for debtors who settle their debts. Performs assignments as required to include major responsibilities for controlling, coordinating, reviewing, and prioritizing work. Researches, evaluates, and analyzes a host of factors to inform decisions consistent with Account Resolution Department standards and procedures and, as appropriate, in consultation with the VP of Accounts Resolution, to maximize recovery of charged off debts, including whether and how to seek recovery. Assesses the status of the debt (such as whether there have been or are any post-charge off collections activities, whether it is one of multiple debts owed, the age of the debt, and whether an enforceable security interest exists). This may include reviewing contracts to determine applicable provisions. Researches status of the debtor(s), including location to understand which laws and recovery options apply. Calculates and tracks amounts owed by debtors and applies payments properly to interest, costs and fees, and damages. Evaluates debt posture to understand status of debt at time payment is received, including whether payment is being made pursuant to a settlement arrangement or agreement, garnishment, or otherwise. Education/Certification: A two-year college degree (Associate's degree in Business, Finance, or Paralegal Studies) is required. Bachelor's degree in business, finance, or related field preferred. Experience Required: One to three years of recent experience in a legal, debt collection, or related field. Working knowledge of all applicable federal and state consumer credit collection laws and regulations, i.e., Fair Debt Collection Practices Act, Fair Credit Reporting Act, and the Uniform Commercial Code as adopted in applicable states, as well as bankruptcy laws, preferred. Required knowledge, skills and abilities: Thorough knowledge of collection procedures with strong knowledge of loan products such as consumer loans, credit cards, mortgages, and vehicle loans. Strong communication and interpersonal skills Ability to work well with debtors, colleagues, and third parties Maintain professional appearance and conduct Multi-task oriented Problem solving abilities Ability to operate a PC Proficient with Microsoft Office Suite Ability to stand and sit for 8-hour shifts Ability to work in an office/cubical environment To apply for this exciting opportunity, visit our careers page at ************************** Kirtland Credit Union is an equal opportunity employer. All aspects of employment including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, performance, and business needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law.

This role plays a pivotal part in advising, reviewing, and evaluating member's lending needs for personal loans and credit cards. Schedule: Monday-Friday 8:30AM-6:00PM (Day off during the week), Saturdays 8:30AM-2:30PM. Essential Job Duties: General loan responsibilities: Evaluate loan applications and documentation by confirming creditworthiness. Improve loan applications and documentation by informing the applicant of additional requirements. Complete loan contracts by explaining provisions to the applicant; obtaining signatures and notarizations; collecting fees. Help members by answering questions, responding to requests. Maintain confidence by keeping loan information confidential. Ensure compliance with all regulatory requirements and internal policies. Manage the loan process from application to disbursement and beyond, including regular follow-up with members to assess their financial status. Educate and advise members on such matters as appropriate financial planning, policies, and rates. Provide comprehensive memo notes for the underwriter's review that contain relevant information to assist in loan decision-making. Perform other duties as assigned by management. Consumer loan responsibilities: Input information into the consumer loan operating system. Manage the loan process from application to disbursement and beyond, including regular follow-up with members to assess their financial status. Evaluate credit worthiness and utilize credit reports to verify accuracy of the loan application. Verify and inspect collateral offered. Calculate loan payments, determine loan to value (LTV) and ascertain loan payoffs to other financial institutions. Requirements Required Skills/Abilities: Excellent interpersonal and negotiation skills. Excellent organizational skills and attention to detail. Strong proficiency with Microsoft Office applications. Familiar and comfortable with information technology, particularly digital means of communication. Strong organizational skills in managing multiple initiatives. Strong analytical and problem-solving skills. Proficiency in assessing creditworthiness and understanding credit scoring systems Proven ability to meet and exceed sales targets Bilingual abilities may be preferred, depending on the market served Knowledge: Basic knowledge of consumer loan products, regulations, and market trends Basic knowledge of compliance with federal and state lending regulations (e.g., Equal Credit Opportunity Act, Fair Lending, Truth in Lending Act) Education and Experience: Minimum one year' experience in financial institutions or related experience Minimum high school diploma/GED or more than one year of related experience Physical Requirements: Prolonged periods of sitting at a desk and working on a computer. Must be able to lift 5 pounds at times.

Working at Kirtland CU is more than a job-it's, a career, and one in the financial world! We pride ourselves on helping our employees learn, grow, and advance in any direction they choose. We offer a highly competitive salary, great benefits package and an energetic, vibrant work environment. Visit our careers page on our website to view our exciting opportunities and our fantastic benefits. We are currently seeking a Mortgage Loan Processor to join Kirtland Credit Union! This position is full-time on-site at our Home Loan Center in Albuquerque, NM. Join the rest of our teammates and become eligible for a generous benefits package that we offer: • Medical, Dental and Vision Insurance • 401(k) Retirement savings program that includes employer match. • Paid time off with accrual starting from day one. • 11 Paid Holidays through-out the year • Tuition Reimbursement for College Degrees • Employee Clothing Advance • Fitness Reimbursement Program • Employee Assistance Program • Short- and Long-Term Disability • Travel Assistance This is what we would like you to do: Acts as a liaison between the Mortgage Loan Officers, Member Experience Specialists (MXSs) Underwriters, Members, Title Companies, Realtors, Builders, and Appraisers. Responsible for reviewing mortgage loan files and requesting required information from the members. Responsible for ordering out, preparing file for final underwriting, closing, and funding the loan. Processes and funds home equity loans and lines of credit. Works effectively with MXSs to coordinate the finalization of loan details and calculate closing figures in preparation for closing and funding. Works with settlement agents to schedule closings. Prepares loan documents for closing, audits executed loan packages, coordinates the funding of the loans, scans loan documents, real estate records, titles, mortgages, and other paperwork as needed. Ensures files are compliant with Fannie Mae (FNMA), Federal Housing Administration (FHA), Veterans Affairs (VA), federal and state legal and regulatory requirements, and Kirtland Credit Union policies and procedures. Effectively work with others to achieve individual goals and department goals. Creates exceptional experiences for internal and external members, employees, and third-party providers utilizing effective interpersonal skills. Supports and adheres to the credit union's mission, vision, strategic objectives, and service standards. Primary Job Duties: • Assumes responsibility for providing effective mortgage loan processing activities. • Provide exceptional member service and experiences to internal and external members, employees, and third-party providers. • Reviews new loan applications and initial disclosures for completion and works with MLO to clarify missing or questionable information. • Act as member's main point of contact throughout the process, ensuring excellent levels of member service by providing guidance and advice on the mortgage process, in a detailed and comprehensive manner. • Ensures interest rates are correct, locked, and proper documentation exists. • Collects and analyzes third party documentation as necessary for all applications, including but not limited to title work, income verification, flood determination, insurance, and appraisal. Responsible for reviewing and addressing items involving credit, occupancy, title issues, and employment verifications. • Assemble and submit completed file to underwriting; clear manual conditions, cure title issues, and resolve appraisal discrepancies as needed. • Responsible to clear any prior-to-fund conditions that arise after final underwriting. • Perform the role of liaison between KCU and all parties involved in the mortgage transaction, including realtors, appraisers, title Companies, etc. and effectively communicate to provide exceptional experiences. • Review all application documentation to ensure compliance with regulatory requirements Fannie Mae Desktop Underwriting, FHA, VA, FNMA, and KCU lending policy and procedures. • Assure Home Mortgage Disclosure Act (HMDA) information is accurate and complete according to the regulatory requirements. • Assumes responsibility for providing effective mortgage closing and funding functions. • Acts as a liaison between the member and third parties involved in the mortgage transaction, such as realtors and settlement agents (title companies), and the MLO, as necessary and effectively communicate to provide exceptional experiences. • Review title and survey for exceptions, and audit loan document to ensure all underwriting conditions have been met. • Calculate closing figures and coordinate closing of the loan with the member, settlement agency, and any other involved parties. Education/Certification: Associate's degree in business or related field preferred. Experience Required: • Three years of Mortgage Lending or real estate loan processing experience preferred. • Two years of Financial Institution experience helpful, but not required. • Experience with calculating loan to value and debt to income. Required knowledge, skills and abilities: • Understanding of mortgage loan processing functions, including FHA/VA and conventional lending. • Knowledge of mortgage related requirements, procedures, and underwriting criteria. • Knowledge of applicable regulations. • Knowledge of real estate closing documents, loan products, and lending compliance and Regulations. To apply for this exciting opportunity, visit our careers page at ************************** Kirtland Credit Union is an equal opportunity employer. All aspects of employment including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, performance, and business needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law.

Job Scope: The Director, Data Insights & Analytics is responsible for advancing the Credit Union's data, business intelligence, and analytical capabilities. This role develops and executes the roadmap for data management, governance, and enablement-ensuring the long-term value and reliability of enterprise information assets. The Director leads teams across Data Engineering & Architecture, Business Intelligence, and Data Governance to unify data standards, improve accessibility, and support data-driven decision-making across the organization. Essential Functions Oversee daily operations, workflow, and team performance within the Data Analytics department, ensuring alignment with departmental and organizational goals. Provide clear direction, constructive feedback, and professional development to foster team effectiveness and accountability. Recruit, onboard, and develop high-performing team members, providing coaching, skill-building, and growth opportunities. Promote a collaborative, accountable, and growth-oriented team culture consistent with the Credit Union's values. Develop and implement the Credit Union's Data & Analytics roadmap, translating enterprise strategy into actionable departmental initiatives. Lead teams across Data Engineering, Data Architecture, and Business Intelligence to deliver high-quality, reliable, and accessible data assets. Oversee and refine data governance practices to ensure stewardship, data quality, and adherence to regulatory and compliance requirements. Design and manage enterprise data frameworks that establish consistent definitions and trusted reporting standards. Direct the creation, maintenance, and distribution of dashboards, reports, and analytics tools that provide actionable insights for business and operational decisions. Partner with business leaders to understand data needs and deliver insights that inform strategic and operational outcomes. Foster a data-centric culture by promoting self-service analytics, data literacy, and informed decision-making across teams. Manage the department's budget, staffing, and other resources to ensure efficient and effective delivery of analytics services. Ensure data privacy, security, and compliance with all applicable laws, regulations, and internal policies. Identify operational or team-level issues, implement corrective actions, and report outcomes to senior leadership. Perform other duties as assigned, supporting the department's strategic and operational objectives. Requirements Qualifications: Experience and Education Minimum of 8 years of experience in data analytics, business intelligence, or related disciplines. Minimum of 5 years of leadership experience managing technical teams. Experience within financial services or credit unions preferred. Experience with cloud-based data platforms (AWS, Azure, Snowflake, or similar) preferred. Bachelor's degree in computer science, information systems, statistics, business administration, or related field required, or directly related equivalent experience in lieu of a degree. Leadership Competencies Strong leadership and team management skills, including the ability to recruit, develop, and retain high-performing teams. Ability to foster a collaborative, accountable, and growth-oriented team culture aligned with the Credit Union's values. Excellent communication, influence, and collaboration skills to partner effectively across departments. Practices active listening, provides constructive feedback, and supports professional growth and skill development. Ability to manage multiple initiatives, prioritize effectively, and guide teams through change. Capable of translating enterprise strategy into actionable department-level objectives and ensuring team alignment with organizational goals. Builds trust, reinforces accountability, and motivates staff to deliver consistent, high-quality outcomes. Knowledge Strong understanding of data architecture, integration, governance principles, and enterprise data frameworks. Deep knowledge of data warehousing and relational database systems (MS SQL Server, Oracle, or similar). Proficiency with business intelligence and data visualization tools (e.g., Power BI, Tableau, Looker). Proficiency with AWS data ecosystem, particularly Amazon Redshift, S3, and related tools; familiarity with cloud platforms such as Azure or Snowflake preferred. Working knowledge of data privacy laws and regulations (e.g., ISO, GDPR, CCPA) and their application to operational processes. Proficiency in Microsoft Office and collaboration tools. Knowledge of resource planning, budget management, and staff development principles. Awareness of emerging data technologies, analytics platforms, and best practices. Understanding of regulatory, compliance, and operational risk considerations related to enterprise data and analytics. Skills/Abilities Excellent analytical and problem-solving capabilities, with the ability to translate complex data into actionable business insights. Strong operational and technical acumen, including process improvement, workflow optimization, and performance monitoring. Ability to balance operational needs, compliance requirements, and team capabilities to achieve departmental outcomes. Proficient in resource planning, budget management, and vendor oversight to support efficient and effective department operations. Skilled in implementing corrective actions, resolving operational issues, and ensuring consistency and quality of service delivery. Adaptable to evolving technologies, tools, and platforms while maintaining focus on operational efficiency, compliance, and data quality. Capable of identifying and mitigating operational and regulatory risks related to data and analytics processes. Physical Requirements/Work Environment Prolonged periods of sitting at a desk and working on a computer. Occasional travel may be required. Must be able to lift up to 20 pounds at times. Ability to sit or stand for extended periods during meetings or computer work. Use of standard office equipment (computer, phone, printer, etc.). Occasional attendance at off-site meetings, conferences, or trainings. Work primarily in a climate-controlled office environment. Salary Description $145,425.00 - $193,900.00 (Depends on Experience)

Job Scope: The Application System Analyst plays a crucial role in the development process by thoroughly defining application requirements. The analyst sets precise and well-defined objectives that are carefully aligned with the specific requirements of the end-users. The analyst rigorously reviews and refines existing database structure to effectively resolve complex business challenges and sophisticated technical issues that may emerge. The analyst is tasked with the preparation of detailed specifications that direct programming activities, thereby ensuring a well-informed and accurate development process. This role also encompasses the thorough analysis and continual revision of system logic and all associated documentation to uphold accuracy and relevance. Success in this capacity necessitates a superior level of proficiency and expertise at the highest technical level, covering all stages of application systems analysis from initial evaluation through to deployment and ongoing maintenance. Essential Functions Supports defining and refining business requirements and quality assurance testing Ensures adherence to the System Development Lifecycle (SDLC) and DevOps philosophy Designs, develops, tests and debugs application components of moderate to high complexity Provides implementation, production, and upgrade support for application components of moderate to high complexity Focus on system-specific requirements, business changes, and systems development to support business strategy May serve as liaison between the application team and user community, facilitating communication, coordinating system enhancements, and providing production support Collaborates with the user community to define detailed business requirements and use cases that guide system configuration, development, and operations Collaborate with the Business System Analyst to analyze data, run queries, and develop tools to search, analyze, and visualize data from various sources Manages development of user and technical documentation per department standards. Requirements Qualifications: Experience and Education Minimum four years of directly related experience in application systems analysis and development. Hands-on experience with testing and supporting moderately to highly complex application systems. Proven track record of working independently on complex tasks and unusual scenarios, providing solutions with minimal supervision. Experience collaborating with cross-functional teams, including business stakeholders and technical staff, to deliver high-quality outcomes. Bachelor's degree in a related technical or business field. Equivalent experience may be considered in lieu of a degree. Knowledge Advanced knowledge of systems analysis, software development cycle (SDLC), and DevOps principles. Strong knowledge of database management principles and practices. Familiarity with SDLC and DevOps methodologies in an enterprise or financial institution environment. Foundational knowledge of financial institution products, services, features, and benefits. Skills/Abilities Ability to analyze business requirements and translate them into technical solutions. Excellent written and verbal communication, including explaining technical concepts, policies, and solutions clearly to non-technical users and stakeholders. Advanced problem-solving, analytical, and reporting capabilities; able to troubleshoot and resolve issues skillfully. Demonstrated project management skills applicable to design and development initiatives. Consistently meet deadlines through effective planning, prioritization, and time management. Provides excellent service to internal and external members. Works well within departmental and cross-functional teams; collaborates proactively to achieve shared goals. Demonstrates humility, respect for peers, and openness to feedback; willing to share knowledge with team members. Demonstrates the Credit Union's commitment to maintaining a close and caring touch with members. Shows a strong desire and aptitude for continuous learning. Exhibits high standards of accuracy, adaptability, judgment, and initiative. Flexible regarding schedule; able to work after hours or weekends as needed. Physical Requirements/Work Environment Primarily office-based work in a standard business environment. Regular use of computers, phones, and other standard office equipment. Ability to sit, stand, and maintain concentration for extended periods. Occasional lifting or moving of items up to 20 pounds. May require occasional after-hours or weekend work to meet project deadlines or support system implementations. Work requires sustained attention to detail, problem-solving, and multi-tasking in a fast-paced environment. Minimal exposure to environmental hazards; standard office safety protocols apply. Salary Description $93,756.80-$117,196.00 (Depending on Experience)

Job Scope: The Asset Recovery Specialist 1 supports post-charge-off recovery efforts by learning to evaluate charged-off loans for collectability, contacting borrowers under guidance to explore repayment options, and assisting with vendor relationships with third-party collection agencies. The role gains experience with skip tracing, reconciliation of recovery payments, levy processing, and vendor oversight tasks. Working closely with more experienced team members and following established procedures, this position helps advance the credit union's loss recovery and compliance strategies by contributing to recovery efforts while developing professionalism and understanding of regulatory requirements. Essential Functions Learn to process charged-off loans in accordance with credit union policy and regulatory requirements under guidance. Assist in reviewing loan history, collateral status, and borrower financials to begin assessing collectability. Accurately document charge-off decisions and complete loan system updates as directed. Support the processing and maintenance of accurate records for IRS Form 1099-C filings in compliance with applicable laws and regulations. Under supervision, initiate contact with borrowers after charge-off to discuss repayment, settlement, or workout options following established scripts and policies. Assist with negotiating and documenting settlements and repayment terms on consumer secured loans, unsecured loans, and credit cards within delegated authority. Practice handling sensitive conversations with professionalism and empathy while learning to protect the credit union's interests. Maintain accurate records of all member interactions and payment agreements in the system of record. Support the assignment of charged-off accounts to third-party collection agencies based on strategy and collectability as directed. Help monitor and evaluate performance of collection vendors, including recovery rates and compliance, and learn to escalate issues appropriately. Assist experienced staff in coordinating with agencies, audits, and escalations. Conduct skip tracing using approved tools and databases to locate borrowers or verify information with guidance. Assist in researching deceased, bankrupt, or out-of-contact borrowers for additional recovery options. Help monitor and reconcile recovery payments from members or third-party agencies. Ensure accurate application of recoveries to the appropriate loan accounts as trained. Prepare or assist with monthly reporting of post-charge-off collections, settlements, and agency activity. Learn to review and process Tax Levies and Child Support Bank Levies in compliance with applicable laws and regulations under guidance. Maintain detailed documentation of levy requests, actions taken, and funds remitted. Support communication with members and applicable government agencies regarding levy status and requirements. Follow policies and procedures to ensure all collection, levy, and recovery activities comply with FDCPA, UDAAP, UCC, and internal policy. Maintain detailed and organized records of collection efforts, levies, and payments. Support internal and external audits with necessary documentation and explanations. Perform other duties as assigned by management. Requirements Qualifications: Experience and Education Minimum 2 years of related experience in collections, charge-off recovery, skip tracing, or a similar financial services environment. Associate's degree in business or a related field OR an equivalent combination of education, coursework, certification, and related work experience providing foundational knowledge of collections or lending practices. Knowledge Foundational understanding of consumer lending, charge-off policies, levy processing, and recovery procedures, with willingness to build deeper expertise through training. Emerging familiarity with collection systems, vendor processes, or skip tracing platforms. Knowledge of MS Office (Excel, Word) and basic data reconciliation. Awareness of (or willingness to learn) legal collection processes and terminology, FDCPA, UCC, levy regulations, and consumer protection laws. Bilingual skills (English/Spanish) a plus. Skills/Abilities Developing skills in negotiation and conflict resolution, with openness to feedback. Ability to follow legal and regulatory compliance procedures accurately. Emerging ability to support vendor oversight and relationship management tasks under guidance. Analytical thinking and attention to detail when processing, reconciling, or documenting information. Effective time management and follow-through on assigned tasks. Professional communication with members, vendors, and team members; respectful and empathetic approach to sensitive situations. Physical Requirements/Work Environment This position is performed primarily in a professional office environment with extended periods of sitting at a desk, working on a computer, and using standard office equipment such as phones, copiers, and printers. Regular use of keyboard, mouse, and other data entry tools is required; ability to view and interpret data on screens for extended periods. Work is generally performed during standard business hours; however, the position may occasionally require evening hours to complete outbound member contacts, coordinate with vendors, or handle urgent levy processing. The role operates under a hybrid or in-office schedule based on business needs and may require flexibility in reporting location. Minimal lifting (up to 10 pounds) of files or office supplies may be required. Noise levels are typically moderate and consistent with a standard office environment. Salary Description $23.04-$28.80 (Depending on Experience)

Working at Kirtland CU is more than a job-it's a career, and one in the financial world! We pride ourselves on helping our employees learn, grow, and advance in any direction they choose. We offer a highly competitive salary, great benefits package and an energetic, vibrant work environment. We are currently seeking a Wealth Management Advisor to join Kirtland Financial Services! This is a regular, full-time, 100% On-Site position. Join the rest of our teammates and become eligible for a generous benefits package that we offer: • Medical, Dental and Vision Insurance • 401(k) Retirement savings program that includes employer match. • Paid time off with accrual starting from day one. • 11 Paid holidays off during the year! • Tuition Reimbursement for College Degrees • Employee Clothing Advance • Fitness Reimbursement Program • Employee Assistance Program • Short- and Long-Term Disability • Travel Assistance This is what we would like you to do: Serve the financial needs of KCU members utilizing a Total-Needs based selling approach. Help members identify their financial goals and objectives from a comprehensive financial analysis and identify appropriate insurance, securities, loans, deposit, and convenience products that meet the member's goals and objectives. Supports the Credit Union's mission, vision, strategic goals, quality objectives and service standards. Support and provide exceptional internal and external member service at all times. Primary Job Duties: • Assumes responsibility for the effective and professional performance of financial planning, investment/insurance functions, and marketing efforts. • Establish member relationships with continuous periodic reviews and by following account opening procedures. • Implement phases of the Marketing Plan, including the preparation and presentation of seminars for members and prospective members and outbound calls to existing and prospective members, to consistently generate member appointments to help meet or exceed annual goals. • Assumes responsibility for the accurate and efficient performance of department administrative functions. • Promote continual quality improvement; ensure all department policies are effective and responsive to member needs. • Wealth management services are efficiently and effectively provided in accordance with established Credit Union policies and standards and with applicable laws and regulations. Education/Certification: • Four-year college degree is preferred. Business or Insurance degree preferred. • Life/Health Insurance License required. • FINRA Registration: Series 7, Series 63 and Series 65, or Series 66 required. • LUTCF, CLU, ChFC, CRPC or CFP preferred or working towards the completion of one of these programs. Experience Required: • Two plus years of full-time successful financial services sales experience. • Minimum commission income history between $25,000 and $40,000 annually over the last 3 years. Required knowledge, skills and abilities: • Knowledge of Financial Planning principles, retirement accounts, and brokerage operations preferred. • Moderate knowledge of investment/insurance products that include: Mutual Funds, ETFs, Advisory Accounts, General Brokerage, Annuities and Life Insurance preferred. • Commitment to Total Needs Based Sales approach. • Available for all KCU operating hours. • Strong interpersonal skills with the ability to form and maintain positive relationships with employees, members, and insurance/investment companies . • Maintain professional appearance and conduct • Ability to work in a team environment as well as independently • Multi-task oriented • Good phone skills/etiquette • Excellent organizational skills and attention to detail • Strong communication skills both written and verbal. • Demonstrated talent in implementing quality principles. • Problem solving ability of high difficulty • Moderate to high level of skills in the use of the MS Office Suite. • Must have thorough knowledge of securities and insurance regulations. To apply for this exciting opportunity, visit our careers page at ************************** Kirtland Credit Union is an equal opportunity employer. All aspects of employment including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, performance, and business needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law.

Job Scope: Responsible for administering and facilitating Sunward's third-party risk management, business continuity, and related risk programs under the direction of the VP, Risk Management. This role coordinates day-to-day program activities across vendor relationship owners (VROs) and business units, supporting both new and existing vendor due diligence, business continuity plan updates, and issue management tasks. It provides guidance to stakeholders on how to review, interpret, and meet program requirements, ensures adherence to established compliance procedures, and escalates concerns appropriately. This position also works closely with Legal, Information Security, and Compliance to coordinate technical and compliance reviews, and collaborates with VROs and internal partners to understand contract content, risk allocation, and potential gaps related to confidentiality, subcontracting, regulatory compliance, service levels, data requirements, and breach liability. It identifies operational issues, recommends refinements to processes, and ensures consistent application of standards across the organization, operating with limited autonomy and focusing on supporting departmental goals through strong coordination and operational enablement. Essential Functions Maintains Sunward's vendor management and business continuity policy and program, including program documentation. Ensures activities are performed and records are retained in compliance with applicable laws, regulations, and Sunward's policies and procedures, escalating concerns as necessary. Looks for opportunities to improve processes in the business continuity and third-party management lifecycles, recommending refinements to procedures and supporting program updates to enhance operational accuracy and efficiency. Administers and maintains software program(s) (e.g., Tandem) used for vendor, contract management, and business continuity functions, ensuring data accuracy and supporting front-line adoption of system changes. Supports VROs' review of contracts and updates of business continuity documents and other materials as part of due diligence, providing clear guidance on program requirements and expectations. Conducts review, in conjunction with Legal, of detailed technical and legal documents. Provides contract redlines to VROs and/or counsel and works with stakeholders to address gap areas or compliance issues within established procedures. Helps VROs and process owners evaluate vendor diligence documents and business continuity documentation-including financial statements and SOC reports-ensuring required reviews are completed accurately and consistently. Reviews vendor risk assessment outputs and business continuity documents to confirm risks have been appropriately assessed; follows up with VROs and business units to resolve inconsistencies and close gaps in documentation. Develops strong working relationships and maintains ongoing communication with VROs and business units to support day-to-day execution and consistent application of program standards. Provides reporting and analysis regarding overall program performance, including vendor risk, VRO adherence, and compliance with business continuity requirements, informing operational decision-making and tactical planning. Assists with regulatory examinations, audits, and similar inquiries, supporting documentation requests and helping prepare and execute management responses. Works with the VP, Risk Management to support business unit adherence to the risk acceptance program, helping ensure processes are followed and exceptions are escalated appropriately. Provides support to the VP, Risk Management in the development and maintenance of the issues management program, assisting with tracking, documentation, and follow-up actions. Performs other duties and responsibilities as assigned in support of departmental and organizational objectives. Requirements Qualifications: Experience and Education Minimum of six years of experience in risk management, business continuity, or vendor management within a financial institution. Demonstrated responsibility for vendor management and/or business continuity program documentation review preferred. Bachelor's degree in liberal arts, business administration, or related field, or equivalent experience. Leadership Competencies Demonstrates high ethical standards and monitors adherence to compliance procedures; conducts routine checks and raises/escalates compliance concerns to leadership as needed. Proven ability to diplomatically influence and contribute to institutional governance processes by coordinating stakeholders, facilitating consensus, and representing operational perspectives. Acts as an operational coach and enabler: provides guidance to VROs and process owners on program requirements, supports adoption of procedures, and follows up to prevent recurrence of issues. Applies practical judgment in day-to-day decisions within established policies and escalates issues outside precedent to the VP, Risk Management. Operates with limited budget authority and restricted autonomy-makes tactical decisions to maintain program continuity and refers strategic or cross-departmental exceptions upward. Self-starter with a high sense of urgency who manages multiple priorities and supports continuous operational improvement. Knowledge Practical knowledge of SOC reports and risk assessments (including inherent and residual risk, along with mitigation and controls) and how to apply those insights to operational workflows. Applied understanding of COSO, risk management frameworks, and/or NCUA examination practices, with the ability to translate findings into program actions. Familiarity with issue management and risk acceptance programs, able to assist in tracking, documentation, and escalation of issues. Proficiency in MS Office and experience administering vendor/BCP software (e.g., Tandem) to support operational execution of programs. Skills/Abilities Superior interpersonal skills focused on stakeholder coordination, influence, and clear communication across business units. Able to professionally represent the institution to regulators, strategic partners, and other third parties in an operational capacity, supporting audits, inquiries, and documentation. Performs effectively in cross-functional teams; strong individual and team contributor who facilitates collaboration among VROs, Legal, InfoSec, and Compliance. Excellent communication skills for understanding, synthesizing, and presenting technical material, policy, program documentation, and operational recommendations. Able to facilitate meetings efficiently, ensuring clarity of expectations, follow-up actions, and program alignment. Advanced business understanding (general banking knowledge preferred) applied to day-to-day program execution. Self-starter with a high sense of urgency and the ability to manage multiple priorities simultaneously with limited direction. Superior analytical skills and critical thinking; able to identify multi-dimensional issues, ask difficult questions, and recommend practical operational solutions. Willingness to learn and adapt quickly with a positive mindset. Proven organizational skills: prioritizes multiple tasks and projects, meets deadlines, and manages resources within established procedures. Understands and applies best practices, continually recommending process and service improvements while operating within defined policy limits. Physical Requirements/Work Environment Primarily office-based work with frequent use of computers, phones, and other standard office equipment. Ability to sit, stand, and work at a desk for extended periods throughout the workday. Occasional lifting or moving of light materials (up to 15-20 pounds) such as files or office supplies. May require participation in meetings, training sessions, or site visits within the organization. Work environment includes deadlines, audits, or regulatory review periods requiring focused attention and multitasking. Ability to communicate clearly in person, by phone, and electronically, including exchanging information with internal stakeholders and external partners. Minimal exposure to environmental hazards; primarily a standard office setting. Salary Description $92,668.80-$115,836.00 (Depending on Experience)

Job Scope: This position plays a pivotal role in empowering the Retail division with actionable insights and process improvements that drive operational excellence, elevate member experiences, and fuel sustainable growth. By analyzing member behavior, operational workflows, and performance data, this role uncovers opportunities to optimize efficiency, reduce friction, and strengthen loyalty across the branch and contact center network. The Retail Analyst partners closely with leaders and frontline teams to translate insights into strategies, streamline processes, and ensure the successful implementation and adoption of improvements. Essential Functions Process Analyst Responsibilities Analyze inefficient processes, design streamlined workflows and improve processing times to enhance the member experience and boost efficiency. Recommend process improvements and craft data-driven solutions that streamline workflows, improve processing times, and reduce member friction. Evaluate and update job aids and procedures for efficiencies, based on data analysis and member feedback. Update procedures and review dates for retail staff including content management in the credit union's knowledge base. Insight Analyst Responsibilities Create and visualize complex data into actionable insights to tell the story behind the numbers, enabling retail leaders to make data-driven decisions. Analyze member behavior and trends to uncover hidden opportunities for personalized experiences, stronger loyalty, and revenue growth. Upload data into analytic dashboards or prebuilt workbooks. Analyze data for trends and communicate to relevant staff. Retail Support Responsibilities Work cross-functionally with teams and leadership to develop data-driven strategies that align with our member-centric mission and ensure the credit union's long-term success. Communicate with teams to ensure successful implementation and adoption of new processes. Contribute to a culture of data-driven decision making, equipping teams with the tools and insights they need to thrive. Participate in special projects and initiatives as needed. Respond to requests through ticketing system, adhering to all departmental service level agreements. Uphold compliance with the Bank Secrecy Act (BSA), which includes compliance with the Customer Identification Program and anti-money laundering policies and procedures. Perform member file maintenance as needed. Perform other duties as assigned. Requirements Qualifications: Experience and Education Minimum 4 years' experience in product/process analysis, data analysis, business analysis, or a similar role. Bachelor's degree in business, economics, statistics, information technology, or a related field or more than two years of related experience. Knowledge Proficient in SQL and experience with data visualization tools (e.g., Tableau, Power BI). Advanced proficiency in Excel including pivot tables, vlookups, and chart creation. Solid understanding of programming languages such as Python or R for data analysis. Proficient in digital advertising analytics tools, including GA4, Google AdWords, Google Tag Manager, social media analytics etc. Strong proficiency with Microsoft Office applications. Familiar and comfortable with information technology, particularly digital means of communication. Skills/Abilities Strong interpersonal and communication skills. Excellent organizational skills and attention to detail. Strong analytical and problem-solving skills. Maintain high standards in accuracy, adaptability, judgment, reliability, and initiative. Strong ability to translate quantitative data into actionable recommendations and to translate business objectives into marketing goals and measurements. Physical Requirements/Work Environment Prolonged periods of sitting at a desk and working on a computer. Must be able to lift 5 pounds at times. Frequent travel to job sites. Salary Description $70,747.20-$88,434.00 (Depending on Experience)

Oversee all Credit Union collection activities, ensuring workflows align with departmental goals and comply with policies and applicable laws (including bankruptcy and FDCPA, UCC and other governing acts). Coordinates with third parties (attorneys, repossession agencies, insurance agents, and realtors) to mitigate risk and loss. Fosters a positive, growth-oriented team culture and shares loss mitigation expertise across departments. Collaborate with internal partners-including Mortgage, Loan Servicing, Lending, Contact Center, Portfolio Analytics and Branch Operations-to support members' loan needs. Requirements Main responsibilities: Hire, develop and lead the Loss Mitigation staff to ensure proper and timely processing of all collection transactions, making certain that members receive a high quality of service in harmony with the Credit Union's core purpose of being “Our Members' Trusted Partner for Financial Success”. Write and develop job descriptions as the department continues to grow to ensure the structure of the department is aligned to the organizational goals. Manage the loss mitigation function to minimize financial loss and legal/compliance risk to the Credit Union while maximizing assistance to members experiencing financial difficulty. Analyze and develop appropriate recommendations for workflows, loan restructuring, foreclosure, fraud, repossession and charge-offs. Coordinate solutions for recovery with the asset recovery manager. Assist with marketing of foreclosed property and approve repossession of vehicles. Prepare annual tax-reporting documents regarding charge-offs (that is, issue IRS Form 1099Cs as appropriate). Work closely with legal counsel on pursuing debtors. Participate in mediations and arbitrations and testify in court when required. Monitor, review and report collection activity performed on all delinquent loans, credit cards, overdrawn deposit accounts and returned checks. Oversee the administration of the Courtesy Pay program, including repayment plans. Prepare monthly reporting regarding delinquency trends, changes to strategy, and team member KPI's for submission to the VP of Special assets. Administer and monitor the collection system software AKUVO to ensure efficient and effective collection processes. Analyze and work with portfolio analytics to understand data being imported and to develop effective technical enhancements. Analyze, develop and recommend effective loss mitigation enhancements to increase service efficiency and effectiveness. Ensure compliance of documentation retention guidelines and storage for all collection files. Communicate effectively with senior management, staff, loan officers, peers and executive leadership team. Review and approves hardship requests from members experiencing financial challenges. Facilitate workout packets that are higher than the managers approval threshold, providing background and recommendations for each case. Prepare loan modifications. Oversee processing of garnishments (from all states' agencies and from private parties) and IRS tax levies; understand different processing requirements for different garnishments and levies. Provide superior member experience by fostering a department where Loss Mitigation reps: · Actively listen to and assess the needs of the members · Explain the features and benefits of targeted products and services · Offer targeted solutions to meet the members' needs Ensure proper reporting of loan-related information to third parties (including credit reporting agencies). Ensure accurate development and monitoring of department budget. Collect empirical data to help gauge the volume of the department's work, which should help ensure employees have the proper tools and resources to successfully perform the requirements of their job. Create development tools to help team members improve their performance and efficiency as it aligns with the credit unions goals. Performs other duties as assigned. Required Skills/Abilities: Possesses superior interpersonal skills. Demonstrates daily the Credit Union's commitment to maintaining a close and caring touch with its members. Able to handle difficult situations and people in a positive and professional manner. Possesses strong leadership skills. Consistently sets a good example and serves as a positive role model to others. Function well within departmental and cross-functional teams. Able to work proactively with team members in developing and achieving a common goal. Demonstrates willingness and ability to train others effectively. Able to supervise and train employees, to include organizing, prioritizing and scheduling work assignments. Able to review real estate appraisals and credit reports and detect possible errors. Exhibits exceptional problem-solving skills; identifies and resolves problems in a timely manner and gathers/analyzes information skillfully. Demonstrates excellent organizational and time management skills; able to handle/prioritize multiple tasks and projects and meet departmental deadlines. Possesses superior verbal and written communication skills. Able to explain collection and/or lending-related topics to others clearly and succinctly. Knowledge: Exceptional understanding of applicable laws, including the Fair Debt Collections Practices Act, the Fair Credit Reporting Act, the Telephone Consumer Protection Act, the UCC, and bankruptcy proceedings, as well as understanding how lawsuits and judgements operate in different states and how to domesticate judgments. Thorough knowledge of Sunward loan policies. Thorough knowledge of Credit Union products and services, features, and benefits. Advanced proficiency with personal computer applications (e.g., Microsoft Office applications, the Internet and artificial intelligence) demonstrates the ability to learn and effectively utilize multiple software systems, including third party collection software. Education and Experience: Minimum six years' collection experience in mortgages, consumer loans and credit cards. Minimum three years' experience in a supervisory or team lead role. Associate's degree or completion of a specialized course of study in business or related field, or equivalent experience. Bachelor's degree preferred. Physical Requirements: Prolonged periods of sitting at a desk and working on a computer. Must be able to lift 20 pounds at times. Salary Description $80,699.20-$100,874.00 (Depending on Experience)

Working at Kirtland CU is more than a job-it's a career, and one in the financial world! We pride ourselves on helping our employees learn, grow, and advance in any direction they choose. We offer a highly competitive salary, great benefits package and an energetic, vibrant work environment. We are currently seeking a Member Experience Specialist to join Kirtland Credit Union! This is a regular, full-time, 100% On-Site position based at our Coors Branch in Albuquerque. Join the rest of our teammates and become eligible for a generous benefits package that we offer: • Medical, Dental and Vision Insurance • 401(k) Retirement savings program that includes employer match. • Paid time off with accrual starting from day one. • 11 Paid holidays off during the year! • Tuition Reimbursement for College Degrees • Employee Clothing Advance • Fitness Reimbursement Program • Employee Assistance Program • Short- and Long-Term Disability • Travel Assistance This is what we would like you to do: • Responsible for creating exceptional member experience. Includes developing, maintaining and enhancing member relationships. • Responsible for problem resolution resulting in win-win for the member and the Credit Union. • Responsible for performing a broad variety of member service functions, including teller transactions, cash handling, account maintenance and opening new accounts. Responsible for generating product/service referrals for consumer loans, credit cards, and KFS services. Primary Job Duties: • Assumes responsibility for the effective and professional performance of member service functions. • Meet with members, create and enhance member relationships • Proactively analyze member financial needs and present product or service options • Basic knowledge of all deposit and consumer loan products and services. • Complete account maintenance tasks such as: check orders, debit cards and other related duties. • Answers questions and solves problems for members by listening, collecting data, offering a variety of options. • Process teller transactions, places appropriate holds in accordance to regulations and internal compliance expectations • Has basic knowledge of IRA accounts. • Consult with members regarding basic money management and financial matters, as appropriate. • Assumes responsibility for establishing and maintaining effective and professional business relationships with members and co-workers. • Resolve member's request and questions promptly and with KCU core value expectations. • Utilize and adhere to KCU lobby management and MXS staffing model . • Ensure Credit Union's quality and professional reputation is projected and maintained. • Assumes responsibility for establishing and maintaining effective coordination and communication with all departments and management. • Assists other branches or departments as needed. Assists all co-workers. • Attends meetings as required • Keeps Management informed of branch operational/sales activities and of any significant problems. Education/Certification: • High School Diploma or equivalent • Bachelor's degree preferred. Experience Required: • Minimum one year's cash handling experience, sales and customer service preferred. • Previous lending or sales experience preferred. • Experience with IRA and other consumer deposit products preferred. • Prior sales experience with individual performance and/or sales goals where goals were met or exceeded routinely preferred. • Proven member service skills and the ability to resolve problems independently or to escalate as needed to promote member satisfaction. • Experience with customer service, identifying needs and providing solutions in a professional manner. Required knowledge, skills and abilities: • Basic skills with identifying and assessing member needs; creating, building and maintaining strong relationships gaining the members trust. • Able to create and maintain strong relationships. • Strong analytical and financial skills. To apply for this exciting opportunity, visit our careers page at ************************** Kirtland Credit Union is an equal opportunity employer. All aspects of employment including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, performance, and business needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law.

Working at Kirtland CU is more than a job-it's a career, and one in the financial world! We pride ourselves on helping our employees learn, grow, and advance in any direction they choose. We offer a highly competitive salary, great benefits package and an energetic, vibrant work environment. We are currently seeking a Commercial & Construction Loan Processor II to join Kirtland Credit Union! This is a regular, full-time, 100% On-Site position based out of our Gibson Operations Center in Albuquerque, NM, with hybrid opportunities after a period and according to manager discretion. Join the rest of our teammates and become eligible for a generous benefits package that we offer: Medical, Dental and Vision Insurance 401(k) Retirement savings program 401 (k) employer match Paid time off with accrual starting from day one. 11 Paid holidays off during the year! Tuition Reimbursement for College Degrees Employee Clothing Advance Fitness Reimbursement Program Employer paid Life Insurance Employee Assistance Program Employer paid Short- and Long-Term Disability Insurance Travel Assistance Program This is what we would like you to do: Responsible for working directly with assigned Commercial Loan Officers, Business Loan Officers and commercial lending clients to provide assistance in the loan application, documentation and closing process. This will include on-going record keeping and acting as a liaison between external partners to complete each loan package. Responsible for providing on-going, complex administrative support for commercial/business members and providing general support to assigned partners. Supports and works closely with our Credit Analyst partners. Interfacing with members to provide assistance in the preparation of loan documents and origination of loan files. Works closely with the Commercial Servicing department for funding, loan proceeds disbursements and maintenance of loan files. Provides effective and efficient administration of installment, commercial, construction and real estate loan collateral files through the timely and accurate processing of all documents and entries. Ensure that files are in compliance with the credit union and regulatory compliance requirements. Primary Job Duties: Assumes responsibility for the effective performance of assigned clerical, secretarial, and loan processing functions. Provides support to assigned Loan Officers to complete loan applications. This will include but not limited to: Ensuring all needed documentation is in the file, reviewed and uploaded at all stages of the process. Conducts a first review of due diligence to ensure the loan file is complete and accurate. Contacting the prospect or member to supply updates on loan status or to collect information as needed. Contacting Title companies to place request, clear items, coordinate closings. Makes transfers for businesses as needed for loan fees and retainers. Purges loan files that did not close, ensuring that all sensitive information has been destroyed properly. Maintains a list of pending and exception items that are outstanding. Follows up with the appropriate parties clear these items and notifies management of the existence, status and remedy to all items. Ensures that business members and prospects have copies of documentation as required or requested throughout the process. Starts, maintains, organizes and updates business files for loan as they progress and/or close. Assumes responsibility for establishing and maintaining effective business relations with members. Maintains the Credit Union's professional reputation, including professional conduct and personal appearance. Assumes responsibility for establishing and maintaining effective communication, coordination, and working relations with Credit Union personnel and with management. Education/Certification: High School Diploma or equivalent Specialized certification or licensing, completion of specialized training courses, or job-specific skills acquired through an apprenticeship program. Experience Required: Three to five years' prior experience in a commercial environment. Prior experience with Commercial Loan documents. Experience with Laser Pro a plus. Experience interacting with Title Companies for review of fees, clearing items, scheduling closings, etc. Required knowledge, skills and abilities: Accepted commercial lending practices. Familiarity with business loan programs and service requirements. Ability to understand real estate title insurance/binders. Accurate and attentive to detail. Well organized. Strong typing abilities. Ability to assist others. Must be able to handle multiple responsibilities throughout a day. Ability to meet deadlines, deal with sensitive information and problem resolution. Self-starter that can work independently and in a team environment. Ability to work with legal documents and identify/interpret data as needed. To apply for this exciting opportunity, visit our careers page at ************************** Kirtland Credit Union is an equal opportunity employer. All aspects of employment including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, performance, and business needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law.