Sandia Laboratory Federal Credit Union jobs - 20 jobs

Job Scope: The Manager, Marketing Operations leads the operational core of the marketing department-ensuring campaigns, communications, and creative projects are delivered efficiently, accurately, and with measurable impact. This role manages a small but dynamic team and oversees the systems, processes, and performance reporting that fuel marketing execution and member growth. Working under the guidance of the Director of Marketing and in close partnership with the Chief Growth Officer, the Manager, Marketing Operations drives alignment across the organization, connecting marketing activity to tangible business outcomes such as new member acquisition, product adoption, and core deposit growth. Essential Functions Lead, coach, and develop a small, high-performing team across project management, copywriting, design, and campaign coordination. Manage the day-to-day operations of marketing workflows, ensuring projects move efficiently from intake through delivery and post-campaign evaluation. Support and manage marketing systems and dashboards, including Asana, CRM tools, email marketing platforms, and performance reporting, ensuring effective adoption and workflow efficiency. Assist the Sr. Director of Marketing in translating strategic priorities into actionable campaigns and deliverables for the team. Serve as an operational liaison between Marketing, Product, Member Experience, IT, and Compliance to ensure campaigns are executed according to business goals and regulatory requirements. Oversee team-level execution of integrated campaigns across digital, email, in-branch, paid social, and event channels. Support operational aspects of go-to-market plans for products, offers, and member communications in alignment with business growth objectives. Manage timelines, creative workflow, approvals, and deliverables for internal and external marketing efforts. Collaborate with agencies, vendors, and media partners to deliver high-quality creative and support campaign execution. Build and maintain dashboards that track campaign results, engagement, and conversion metrics for team-level reporting. Analyze campaign data to identify optimization opportunities and provide insights that demonstrate impact on KPIs, such as new memberships, product uptake, and deposit growth. Provide operational reporting and insights to Finance and senior leadership to support overall organizational objectives. Manage team-level marketing expenses, including small operational purchases, and partner with accounting to process and track billing within assigned budget limits. Identify and implement process enhancements that improve team efficiency, quality, and collaboration. Develop standard operating procedures for campaign planning, creative production, and reporting at the team level. Recommend new technologies and automation tools to streamline operations and enhance campaign performance, supporting evaluation and adoption decisions. Requirements Qualifications: Experience and Education 6+ years of progressive experience in marketing operations, project management, or campaign management roles. 2+ years of people leadership experience with direct reports. Experience managing marketing systems such as project management (Asana, Workfront), CRM or email marketing platforms (Salesforce, HubSpot, Eloqua), and analytics tools (Google Analytics, Tableau, or similar). Strong background in cross-functional collaboration, vendor management, and process design. Demonstrated ability to connect marketing outputs to business impact such as acquisition, engagement, or deposit growth. Financial services or credit union experience preferred. Bachelor's degree in marketing, business administration, communications, or a related field, or direct, equivalent experience in lieu of a degree. Leadership Competencies Builds structure and efficiency across marketing workflows and systems. Translates marketing strategy into action, ensuring timely, measurable campaign delivery. Uses data to evaluate performance, optimize campaigns, and communicate ROI to leadership. Works cross-functionally to align goals and outcomes with organizational priorities. Leads with empathy, coaching team members for growth and accountability. Manages vendor relationships and ensures efficient use of marketing resources. Knowledge Understanding of marketing workflows, campaign lifecycles, project intake, creative production, and multi-channel campaign execution at the team level. Familiarity with project management tools (Asana, Workfront), CRM platforms (Salesforce, HubSpot, Eloqua), email marketing software, and performance dashboards to support team operations and reporting. Ability to use analytics platforms (Google Analytics, Tableau, or similar) to monitor campaign performance, track engagement and conversion metrics, and identify operational improvements. Proficiency in Microsoft Excel, PowerPoint, Word, and Outlook for reporting, documentation, and team-level workflow management. Working knowledge of financial services or credit union products and member communications as needed to execute campaigns effectively. Understanding of managing external vendors and internal resources to ensure timely, accurate, and high-quality campaign delivery. Familiarity with marketing compliance requirements and internal policies to ensure campaigns meet regulatory standards. Skills/Abilities Strong project management and organizational skills to manage multiple campaigns, tasks, and deadlines at the team level. Ability to analyze campaign data and operational metrics to identify improvements, monitor progress, and report results to leadership. Effective communication and collaboration skills to coordinate work within the team and across functional partners. Ability to lead, coach, and develop a small, high-performing marketing team. Problem-solving skills to address day-to-day operational challenges and remove obstacles that impact workflow or campaign delivery. Ability to implement process improvements that enhance team efficiency, accuracy, and quality of work. Skill in coordinating vendor and internal resources to ensure timely, accurate, and high-quality completion of campaigns. Capacity to maintain focus and adapt in a fast-paced environment with competing priorities. Physical Requirements/Work Environment Ability to remain stationary (sitting or standing) for at least 50% of the workday. Occasional travel may be required, generally less than 10% of the time. Work schedule may include occasional extended hours to support campaign launches, events, or key deadlines. Work is primarily performed in an office environment with standard lighting, temperature, and noise levels. Requires the ability to use a computer, phone, and other standard office equipment for extended periods. Salary Description $92,668.80-$115,836.00 (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)

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)

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)

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.

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)

Responsible for leading Risk & Regulatory Functions, comprising Enterprise Risk Management, Third Party Vendor Management, Business Continuity / Disaster Recovery Management, Insurance Management and other areas as the Risk Office is matured. The role has particular focus around design, development, deployment and management of the Credit Union's Enterprise Risk Management program, including Risk Appetite, Risk Monitoring and Risk Response. Interacts with a broad spectrum of business partners and key stakeholders to provide risk support and advice related to the development, execution, and operation of credit union programs, products, and services. Creates and delivers internal reporting and informs executive leadership on relevant risk related matters related to the Credit Union. Provides oversight and makes recommendations that significantly impact the Credit Union's ability to monitor risk. 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. Main responsibilities: Develop and oversee a comprehensive ERM program for the Credit Union within the Board and management's risk appetite and strategic direction, and in compliance with all regulatory requirements. Facilitate continued build-out of COSO ERM Framework (e.g., Risk Library), including integration of Strategic, Operations, Reporting and Compliance risk across the 8 components. Coordinate efforts with the Director of Portfolio Analytics in Credit Administration, thus requiring an understanding of credit risk and portfolio concentration principles. Duties will include working closely with Vendor Management, Legal and Compliance to ensure legal related activities are carried out appropriately by outside counsel. Instrumental in supporting Risk Offices (RO) teams (i.e., Enterprise Risk, Credit Administration, Security & Fraud and Legal & Compliance) to develop and report KRMs and KPIs, as well as other Business Units in the development of KRMs. Supports the Chief Risk Officer in maturing the Risk Oversight Committee and delivering presentations to the Board, including Board Governance Committee. Instrumental in execution of Risk Office Business Plans and related Strategic initiatives, including integration of risk management to business processes. Key in internal reporting of Risk Office (RO) activities, and consolidation of RO teams monthly activities in a management report. Integral in evaluating insurance coverage, including gaps, and coordination of insurance related activities with Security/Fraud and other departments. Staff and manage the Risk team, providing leadership and support to the staff. Lead cultural change in the department as needed to support organizational goals. Respond to risk requests and questions involving out of tolerance risk levels. Perform analyses and assemble risk documentation and data in support of strategic projects, products & services, and risk monitoring. Assist with projects and other risk assessments (e.g., BSA/AML, Compliance. BIA). Lead and/or provide support to various organizational and departmental project teams. Develop Risk Control Assessment (RCSA) program and playbook for the identification of risks, controls and calculation of residual risk for Business Units and related processes. Review Credit Union risk exposure and make recommendations for enhancements. Ensure adherence to COSO ERM Frameworks that affects the Credit Union through risk reviews, other oversight activities and consultation with management as necessary. Proactively track and identify risk issues and remediation plans to allow adequate time to implement necessary changes to policies and procedures. Facilitate regulatory (e.g., NCUA) and insurance examinations and coordinate management responses and follow-up, as requested. Maintain awareness and inform Credit Union management of changes in federal/state legal requirements and NCUA regulations. Recommend updates to risk policies and procedures in response to risk developments. Address risk concerns as applicable and identify solutions. Provide response and/or guidance to business units, vendors, etc. Promote the service and sales culture by maintaining basic knowledge of products and services and referring members to the appropriate person/department. Performs other duties as assigned. Requirements Required Skills/Abilities: Excellent interpersonal 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 analytical and problem-solving skills. Ability to manage a wide range of legal and compliance issues as a practicing attorney in a law firm or in-house legal department Education and Experience: Minimum 12 years' a combination of experience in compliance, legal, risk, leadership and other related areas. Minimum bachelor's degree business administration, finance, accounting, law or related field or more than 12 years 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. Salary Description $165,299.25-$220,399.00 (Depending 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.

Job Scope: The Growth Analyst leads the credit union's growth analytics efforts by developing the frameworks, insights, and analytical tools that guide marketing, product, and member engagement strategies. This role independently manages complex analytical work-synthesizing data from multiple sources, identifying trends and opportunities, and translating findings into clear recommendations that support acquisition, retention, and channel optimization. The Growth Analyst partners closely with teams across the organization to align analytics with business goals, ensures work reflects member needs and regulatory considerations, and communicates insights in a way that drives informed decision-making. Acting as a trusted resource and informal mentor, the analyst helps improve processes, enhances data-driven practices, and contributes to the continuous improvement of both functional performance and the overall member experience. Essential Functions Lead complex analyses that inform member acquisition, retention, product engagement, and channel performance, using data to uncover actionable growth opportunities. Conduct deep-dive evaluations of marketing and member data to identify trends, performance drivers, and areas for optimization. Build and maintain analytical models and tools that help forecast growth, evaluate marketing effectiveness, and measure the impact of investments. Support consistent campaign measurement by developing clear attribution and ROI approaches and refining them as business needs evolve. Partner with Finance, Marketing, and Operations to connect performance insights to outcomes such as ROI, lifetime value, and product adoption. Translate complex findings into clear, practical recommendations that inform planning, prioritization, and decision-making. Contribute to the development of marketing and growth analytics strategies that support acquisition, deposit growth, and member engagement. Help define key growth metrics and ensure they are understood and applied consistently across teams. Identify opportunities to improve performance across campaigns, channels, and audience segments, recommending adjustments or new approaches. Maintain testing and analytics frameworks-such as A/B and multivariate testing-to support continuous improvement of marketing efforts. Work closely with Marketing, Product, Lending, and Business Development partners to align goals, share insights, and translate data into actionable plans. Coordinate with external vendors and agencies to ensure data accuracy, meaningful attribution, and effective campaign execution. Prepare and deliver clear reports and insights that highlight performance trends, growth drivers, and implications for next steps. Enhance dashboards, tools, and methodologies to improve visibility, decision-making, and analytical rigor across the function. Monitor performance across digital, traditional, community, and referral channels and identify emerging opportunities or risks. Stay current with evolving analytics practices, marketing technologies, and industry trends and incorporate them into recommendations. Help establish consistent processes for measurement, reporting, and forecasting to support smooth execution across teams. Requirements Qualifications: Experience and Education 6+ years of directly relevant experience in marketing analytics, growth strategy, performance marketing, or a similar data-rich environment; financial services or fintech experience preferred. Demonstrated experience conducting complex analyses, building growth or performance models, and delivering insights that materially influence business outcomes. Prior experience working with cross-functional teams and translating analytical findings into actionable recommendations. Bachelor's degree in marketing, data analytics, business, statistics, or a related field or direct, equivalent experience may be considered in lieu of education. Knowledge Strong expertise in growth analytics, including acquisition and retention analysis, forecasting, attribution approaches, and campaign performance measurement. Solid understanding of marketing strategy across digital, traditional, and community channels and how they contribute to growth. Technical proficiency with analytics tools and platforms such as GA4, HubSpot, Power BI, Tableau, SQL, and Excel. Familiarity with financial services operations, member behavior, and common performance drivers preferred. Awareness of evolving analytics practices, marketing technologies, and industry trends. Skills/Abilities Ability to synthesize complex, multi-source data into clear insights and practical recommendations. Skilled in building predictive models, dashboards, and reporting frameworks that support data-driven decision-making. Strong analytical judgment with the ability to navigate ambiguity and assess trade-offs. Effective communication skills, with the ability to explain technical findings to non-technical audiences and collaborate across functions. Physical Requirements/Work Environment Primarily office-based, with regular periods spent at a computer analyzing data, building models, and preparing reports or presentations. Frequent use of standard office equipment, including computers, monitors, phones, and projectors. Occasional travel for meetings, cross-functional collaboration, or industry events may be required. Work involves tasks requiring sustained visual focus and fine motor skills. Typical office environment with standard lighting, temperature, and noise levels. Salary Description $92,668.80-$115,836.00 (Depending on Experience)

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)

Develops positive relationships with internal and external members, exhibiting the Credit Union's core values to enhance membership growth and loyalty while meeting the member's financial needs. Effectively analyzes all available information to identify and recommend the best products and services in order to exceed member expectations. Works effectively in a fast-paced environment with a variety of demands. Job Duties: Assist members with any account related services Exceed members' expectations through efficient, proactive and accurate service to ensure superior member service via a variety of delivery channels Provide a superior member experience by: Actively listening to and assessing the needs of the member Explaining the features and benefits of targeted products and services Offering targeted solutions to meet the member's needs Focusing on phone availability to ensure we are assisting members as efficiently as possible Recognize and act upon potential membership and service opportunities to promote membership growth and loyalty 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 Ensure member and Credit Union information is treated with utmost confidence and security, including adherence to member identification and shred procedures, to support the Credit Union's core purpose of being the member's trusted partner Observe and communicate in a timely manner all potential risks to ensure the safety and security of the members and employees Contribute to a productive, team-oriented work environment while meeting all established goals and metrics, and operating within the Credit Union's core values Develop and maintain up to date and thorough knowledge of Sunward policies, procedures, systems and processes Able to work in a fast-paced environment, successfully meeting service level agreements Complete annual BSA and OFAC training Perform other related duties as assigned Requirements Experience and Knowledge: Minimum one year' customer service experience. Prior financial institution and/or contact center experience preferred. Thorough knowledge of Credit Union products and services, features, and benefits. Exhibits ability to cross-sell effectively. Demonstrated sales skills and a willingness and ability to apply those skills on the job through incoming member calls and outbound follow-up calls. Proficient with the use of personal computer applications. Demonstrates ability to learn and effectively utilize in-house programs and third-party software. Education: High school diploma or GED equivalent. Interpersonal Skills: Possesses strong 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 persons in a positive and professional manner, exhibiting empathy and understanding. Able to formulate creative solutions that strengthen the Credit Union's relationship with members. Functions effectively within a team environment. Communication: Possesses strong verbal/written communication skills. Demonstrates excellent telephone etiquette. Must be able to establish rapport with members over the phone. Able to explain financial concepts, policies and procedures clearly and succinctly to others. Other Skills: Demonstrated ability to ensure that documentation produced is accurate and meets all organizational guidelines and policies. Exhibits problem-solving skills; identifies and resolves problems in a timely manner and gathers/analyzes information skillfully. Maintains high standards in accuracy, adaptability, and initiative. Demonstrates excellent organizational and time management skills; able to handle/prioritize multiple tasks effectively. Salary Description $20-$22 (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)

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: 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)

Responsible for the analysis and performance of SLFCU's loan portfolio. Assists with the development of data-driven strategies 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 delinquency, charge-offs, 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 charge-offs and CECL calculations to support the Allowance for Loan Loss. Conduct and communicate standard and ad hoc stress testing scenarios to determine portfolio vulnerabilities and resilience to various economic scenarios. Develop and maintain key risk metrics, including delinquency ratios, net charge-off ratios, and early-stage delinquency trends. Establish thresholds for key risk indicators and provide breach monitoring and escalation procedures for corrective action. Build dashboards to monitor risk factors and present these insights to management and key stakeholders, enabling real-time decisions. Support remediation efforts by partnering with relevant risk leaders to provide portfolio risk mitigation strategies. Present portfolio performance insights and recommendations to relevant committees, including Credit Portfolio Analysis Meeting. Benchmark SLFCU's portfolio performance against peers and competitors to identify performance gaps and propose actionable underwriting 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 risk management and reporting, including interactive tools for loan portfolio visualization. Build and maintain quantitative models for scenario analysis, credit risk modeling, and forecasting, utilizing statistical methods (e.g., correlation, regression). 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. Collaboration, Reporting and Project Management: Partner with business users to interpret data findings, providing risk insights and suggesting potential adjustments to business strategies. Support Special Assets with financial reporting and effectiveness metrics. Assist in identifying and testing robust data and modeling solutions for stress testing and credit analytics. Build and maintain a forecasting framework for portfolio performance metrics. Serve as admin for the Akuvo platform in creating or generating tickets to enhance metrics, systems, and efficiencies. Manage project onboarding for new vendors that support technology efficiencies for Special Assets. Perform other duties as assigned. 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. Requirements 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. Knowledge: Strong knowledge of regulatory requirements, including FDCPA, FCRA, SCRA, and others. Familiarity with loan underwriting, collections, and financial statement analysis. Solid understanding of asset recovery and liquidation including applicable regulatory reporting requirements. Strong knowledge of consumer lending, and related collection practices Strong financial acumen with experience in budgeting, forecasting, and P&L management. Familiar with Allowance for Loan Loss calculation under Current Expected Credit Loss (“CECL”) standard 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. Education and Experience: Minimum six years' combined experience in financial portfolio analysis, consumer and commercial loan underwriting requirements, collections, 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. Physical Requirements: Frequent periods of sitting at a desk and working on a computer. Must be able to lift 20 pounds at times. Salary Description $73,223.20-$91,529.00

Job Scope: The Vice President of Mortgage Lending oversees the functional strategy and operations of mortgage lending, from lead generation and borrower engagement through servicing and postmortem analysis. This role develops and executes business plans that drive profitable loan growth, optimize the member experience, and ensure compliance with regulatory and policy standards. The position champions innovation, efficiency, and risk-aligned lending practices while managing departmental budgets, resources, and performance to advance the credit union's strategic objectives. Essential Functions Lead the end-to-end strategy, execution, and optimization of mortgage lending, ensuring alignment with the credit union's business goals, risk appetite, and regulatory requirements. Design and implement lending strategies that drive profitable loan growth, enhance member experience, and support operational efficiency. Liaise with HR and Organizational Development to recruit, onboard, and retain high-performing talent, ensuring workforce planning supports department goals. Oversee daily operations of the Mortgage Lending department including retail branch employees responsible for loan services. Provide timely, constructive, and frequent performance evaluations and feedback; recognize and reward high performance. Coach, mentor, and motivate staff to foster a high-performance, member-centric culture. Create a positive, productive, and values-aligned work environment focused on continuous development, team engagement, and succession planning. Develop leaders to advance into next-level roles, preparing them for inclusion in the credit union's succession plan. Analyze financial and operational performance to ensure transparency, improve outcomes, and drive continuous improvement in lending operations. Assess risk and return trade-offs to guide profitable lending decisions and explore innovative solutions to expand loan programs and reach. Align lending practices with the Enterprise Risk Management framework, identify operational efficiencies, and implement scalable solutions. Maintain and revise Mortgage loan policies and procedures; ensure policies are clearly communicated and understood throughout the organization. Champion the voice of the member and staff in decision-making, leading initiatives that improve the experience across all lending channels and touchpoints. Monitor portfolio performance and compliance; ensure adherence to regulatory requirements and Board-approved policies. Conduct quality reviews of credit underwriting, ensuring documentation and practices meet all standards. Provide portfolio analysis on pipelines, product performance, goals, past due and charge off trends, and delinquency management, pricing, personnel performance, etc. Identify and advocate for tools and technologies that enhance lending decision-making, operational efficiency, and member satisfaction. Compile, present, and advise on lending data and strategies to executive committees and internal stakeholders. Represent the credit union in industry associations and community partnerships to support its mission, visibility and strategic objectives. Stay current on legal and regulatory requirements from NCUA and all governing bodies; recommend operational and policy changes as needed. Requirements Qualifications: Experience and Education Minimum 12 years of lending and next-level leadership experience in financial services, preferably in a credit union or community-based financial institution. Proven ability to manage complex lending operations, drive organizational change, and ensure compliance with regulatory and policy standards. Bachelor's degree in business, finance, accounting, or related field required, or experience equivalent to a bachelor's degree. Current registration with the Nationwide Mortgage Licensing System (NMLS), or ability to become registered upon hire. Knowledge Recent, relevant, and strong understanding of all aspects of mortgage lending, including leading leaders, financial analysis, and portfolio monitoring and reporting. Knowledge of regulatory requirements, internal policies, and enterprise risk management principles related to mortgage lending. High proficiency with digital communication platforms, Microsoft Office Suite, and tools supporting underwriting, credit analysis, and portfolio monitoring. Leadership Competencies Ability to articulate a clear direction for the department, align team goals with enterprise objectives, and anticipate future trends in mortgage lending. Drives organizational change by preparing teams for new processes, tools, or strategies; manages resistance and maintains engagement during transitions. Builds bench strength by coaching, mentoring, and growing future leaders; proactively identifies high-potential employees. Shapes a positive, values-aligned, and inclusive team culture that reinforces member-centric behaviors and collaboration. Makes timely, high-impact decisions in fast-moving or uncertain situations while balancing operational, financial, and risk considerations. Builds alignment across departments, executive leadership, and external partners to drive organizational goals. Encourages new ideas, identifies opportunities for operational improvements, and champions technology or process solutions to enhance efficiency. Ensures department delivers measurable outcomes, tracks performance against goals, and holds self and team accountable for results. Maintains focus and leads effectively through challenges, shifting priorities, or regulatory changes. Communicates with credibility, builds trust across the enterprise, and represents the credit union externally with professionalism and influence. Exceptional verbal and written communication, negotiation, and collaboration skills that build trust and foster strong working relationships. Strong ability to analyze financial and operational data, assess risk/return trade-offs, and make informed decisions. Physical Requirements/Work Environment Primarily office-based role with extended periods of sitting, standing, and working at a computer. Frequent verbal and written communication with teams, members, and stakeholders. Ability to attend in-person meetings, presentations, or events as needed. Occasional travel to branch locations across the U.S., as well as off-site meetings, community events, or industry conferences. Fast-paced, high-accountability environment with deadlines and regulatory compliance requirements. Requires adaptability to changing priorities, regulatory updates, and operational demands while maintaining focus and effectiveness. Salary Description $165,299.25-$220,399.00 (Depending on Experience)

This role will oversee Special Assets Team, managing Loss Mitigation and Asset Recovery teams, driving performance while upholding our commitment to member service and regulatory compliance. In addition to oversight of these teams, the role will be instrumental in building out programs to minimize loss of all products including mortgage, small business and all consumer loans, while effectively providing oversight to support all aspects of the past-due and non-performing loan accounts. Leadership: Liaise with managers/ supervisors, HR and OD to recruit, onboard, develop, and retain high-quality staff. Oversees managers'/ supervisors' processes related to daily workflow of the departments (i.e., Loss Mitigation and Asset Recovery). Provides constructive and timely one-on-ones and performance evaluations to department managers/ supervisors. Effectively coaches, mentors, motivates, and manages 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 Special Assets 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. Main responsibilities: Where relevant, participates in the Credit Union's strategic planning process, while building out a comprehensive Special Assets Team. In conjunction with managers/ supervisors, develops and implements comprehensive loss mitigation strategies to minimize delinquencies and bad debt while maintaining member goodwill. Responsible for watching emerging trends in the market while being proactive in developing and implementing strategies to minimize delinquency in accordance with our strategic and financial goals and member needs. Oversee the process of problem loan modifications and liquidation plan submissions for loan products (e.g., SBA) to seek the best possible outcome for the CU and borrower, while abiding by SOP rules of NCUA / SBA, where applicable. Maintains, and develops where needed, policies / procedures for the department including desktop manuals and training guides. In conjunction with managers/ supervisors, manages vendors to ensure execution of department deliverables to meet overall strategic objectives. Recommends new vendors for debt collection practices, asset recovery services, sale of bad debt and related legal actions. Oversees managers'/ supervisors' daily operations of the loss mitigation and asset recovery departments, ensuring compliance with company policies and applicable legal requirements. Monitors and analyzes collections metrics to assess efficiency and effectiveness of processes and staff performance. Maintains the Special Assets Team dashboard. Provides oversight to processes for monitoring and reporting on aged accounts, past-due accounts, delinquencies and charge-offs through various analytical tools and dashboards. Develops and provides executive level monthly reports with analytics demonstrating enhancements to underwriting, dealer compliance and risk management of credit portfolios. Ensure timely and accurate reporting to loan officers, management, and the Board including reporting for the weekly past-due, monthly problem loans, quarterly asset quality, Loan Committee, and other reporting as necessary. Develops Quarterly Business Reviews showing business performance relative to business plans and strategic initiatives. Builds out, as volume increases, other teams within Special Assets for mortgage loan workouts and other consumer product workouts (e.g., hardship programs) in compliance with laws, rules and regulations. Responsible for Special Assets teams in the compilation of pertinent data, placement of contractors/ auditors, and management of expenses in workout situations. Analyzes data to report to Finance /Accounting on the financial deficiencies of non-performing loans and maintain/retain data and records on non-performing loans in Pass, Special Mention, and non-Performing status to support CECL and Call Reporting. Coordinate information flow between Special Assets teams and other CU personnel and/or departments as needed to manage problem accounts, primarily Portfolio Management and Loan Operations. Supports asset recovery teams' supervisor /managers in the repurchase of collateral and liquidation of assets on non-performing loans. Report results and problems to management to minimize loss. With asset recovery teams' supervisor /manager, manage internal and external resources required in the sale of repossessed assets, including personal property, business assets, vehicle inventory, and REO. Coordinate process for interaction with attorneys, business principals, and outside agents to limit exposure, fulfill requests for information, and communicate to all parties involved with non-performing loans. Ensure adherence to policies, procedures, and other appropriate compliance measures in handling Special Assets accounts. Distribute reporting to outside loan pool investors and act as primary contact regarding portfolio performance. Leads, motivates, and supports a large team within a time-sensitive and demanding environment. Oversight of negotiating delinquent accounts to secure payment arrangements in accordance with company policies. Collaborates with cross-functional teams, including risk, compliance, retail service, lending, and finance, to improve the member experience and address issues that contribute to payment delinquency. Establishes and maintains relationships with third-party collection agencies and legal counsel as necessary. Prepares and manages the department's budget, ensuring cost-effectiveness and resource optimization. Lead risk reviews with Sr. Management addressing portfolio performance and collections efficiency metrics Develops and enforces internal controls to reduce fraud and ensure adherence to collections policies and procedures. Creates and presents regular reports to executive management on the status of collections activities, including detailed analyses of high-risk accounts and recommendations for improving credit and collections processes. Performs other duties as assigned. Requirements Required Skills/Abilities: Excellent negotiation and conflict resolution 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. Proven ability to develop and implement effective collections strategies to maximize recoveries and reduce delinquencies. Thorough knowledge of consumer lending and SBA financing Solid understanding of liquidation aspects of SBA SOP. Strong knowledge of consumer lending, and related collection practices Extensive knowledge of accounting, financial statement analysis, cash flow, and credit workout/collections Knowledge of financial and legal processes of all aspects of commercial lending Solid sense of compliance needs, as they relate to FDCPA, SCRA and other regulatory requirements. Expertise in creating and presenting ideas to executive management. Three or more years in a management role, providing leadership, coaching, guidance and training, and contributing to staff development. Other Skills: Sense of urgency and understanding of timeliness on value to company Works well with all team members and seeks holistic opportunities for continuous improvement. Ability to manage multiple projects/processes simultaneously and can act judiciously in ambiguous situations. Ability to make sound business decisions based on policies and procedures. Excellent oral/written communication, interpersonal, persuasive communication and presentation skills Ability to lead by example and to motivate a team to reach a common goal. Ability to interface with all levels of management. Excellent organizational skills Knowledge: Strong knowledge of federal, state, and local laws and regulations related to debt collection Strong financial acumen with experience in budgeting, forecasting, and P&L management Education and Experience: Minimum 12 years' experience in collections, debt recovery, leadership or a closely related field Minimum bachelor's degree in business administration, or related field, or more than 12 years of related experience. Salary Description $165,300 - $220,400 (Depending on Experience)