VyStar Credit Union jobs - 240 jobs

At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement--available to all full and part time employees. Part time positions start at a minimum of 30 hours per week. We encourage you to become a part of VyStar Credit Union's family of employees. * SELECTION PROCESS: As part of our preliminary recruiting process, we kindly ask candidates to complete an online assessment sent to their email from our third-party vendor, HireVue. To be considered, please complete the assessment within the allotted time. If you don't receive it after applying, check your spam folder. Assessment results are valid for 6 months. ACCOUNTABILITY STATEMENT The Relationship Specialist's responsibilities include providing unbelievable member experiences with every member interaction both in-person and on the phone, identifying member cues, asking open-ended discovery questions, and growing consumer and business relationships by identifying member needs and properly positioning VyStar financial solutions. This key relationship-building position must be able to describe VyStar Credit Union's value proposition versus competitors and convey the importance of educating and proactively helping members with their financial goals. ESSENTIAL RESPONSIBILITIES Use each member interaction both on the phone and in-person to provide unbelievable member experiences from greeting and welcoming, to strengthening and enhancing member relationships through quality conversations and cross-selling credit union solutions effectively. Identify member cues, ask open-ended discovery questions, and grow consumer and business relationships by identifying member needs. Understand and position consumer and business deposit, credit, insurance, and investment solutions appropriately. Handle personal and business account transactions, open accounts, and process various types of loan applications. Explain basics of credit and savings options and effectively refer more complex business products, mortgage solutions, investments options, and insurance. Provide additional services to members such as account maintenance, notary, wire transfer, savings bond redemption, safe deposits box services, fraud claims, and credit card disputes. Support and participate in all Credit Union initiatives and campaigns. Exercise sound judgment and discretion while remaining compliant with well-defined limits and guidelines. Work with relative independence to accomplish tasks. Exhibit a high degree of integrity, trustworthiness, and professionalism always. Exude a positive and professional attitude with members and partners consistently. Resolve member problems independently, seeking to find ways to a “yes” whenever possible, and escalating more complex concerns. Embrace VyStar's Standards of Excellence, Behaviors of Excellence, Being Unbelievable, and the Great 8 Member Service Commitments. Actively lead by example through community service supporting the VyStar brand. Utilize excellent verbal and written communication skills. Utilize all available relationship-building and documentation tools to ensure comprehensive follow-up with members, fostering continued growth in member relationships through proactive engagement and personalized service. Engage proactively with members through outbound calls to understand needs and provide comprehensive solutions related to VyStar Credit Union's products and services, resulting in booked sales. Address and overcome objections effectively while educating members about the wide array of offerings available. Perform other duties as assigned. All employees and business units, as first line of defense, are expected to proactively help identify, assess, manage, and report risks within their domain of work. To enhance a healthy risk culture and support our growth for good pillar, employees will maintain vigilance in safeguarding our operations while ensuring compliance with regulatory mandates. The Risk team serves as the second line of defense by providing risk oversight and credible challenge whereas the Audit team serves as the third line of defense by providing risk assurance. JOB QUALIFICATIONS EDUCATION High School Diploma/GED is required. Associate's degree is preferred. EXPERIENCE Previous experience in a sales and/or customer service position, community service, military service, asking questions, offering recommendations and making referrals is preferred, preferably with a financial institution. KNOWLEDGE, SKILLS & ABILITIES Ability to process accurate transactions and requests. Must possess and utilize excellent listening skills, verbal, and written communications skills. Proficient in the use of the Internet and Microsoft Office. Must have an outgoing personality and a strong desire to help people. Must be professional in appearance and attitude. Must be able to handle many tasks in a fast-paced environment. Must possess strong critical thinking and decision-making abilities. Strong communication skills and a genuine passion for sales are essential for success in this role. May stand throughout entire shift in order to assist members or other staff. DISCLAIMERS AND WORK ENVIRONMENT Nothing in this position description is an implied contract for employment. The position description is intended to be an accurate account of the essential functions. The functions are not all encompassing and are subject to change at any time by management. The work environment characteristics described are representative of those that an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. As required or requested, may exert up to 20 pounds of force occasionally and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects. ADDITIONAL JOB DESCRIPTION Incumbent is expected to demonstrate each of the following VyStar Excellence behaviors in performing the duties and responsibilities of their job. Focus Focus your full attention by carefully listening to and observing your client or member. Connect Consistently be friendly and approachable. Demonstrate you care. Understand Listen empathetically and ask questions. (70%/30%) Counsel Recommend solutions based on your client's or member's needs and objectives. Advance Ensure that member's expectations were exceeded. Verify necessary follow-up action. VyStar Credit Union is not seeking outside assistance or accepting unsolicited resumes from staffing agencies or search firms for employment or contractor opportunities. Any resumes submitted by an outside vendor to any employee at VyStar via e-mail, internet, or directly to hiring managers without a valid written search agreement with the Talent Acquisition / HR department will be deemed the sole property of VyStar Credit Union. No placement fee will be paid if a candidate is hired as a result of the referral, or through other means. Thank you for your inquiry regarding our current job opening. Your resume will be carefully reviewed against the position requirements. Should your experience and skills match, you will be contacted by one of our Human Resources department staff members. Thank you again for your interest in this position! VyStar Credit Union Human Resources

A national insurance group is seeking a Data Analyst in San Francisco, CA. The role involves developing reports and analyzing data to support key business functions. Applicants should have a bachelor's degree in a relevant field and at least 2 years of experience in analytics or workers compensation insurance. Skills in SQL, Python, and Power BI are essential. The company offers a competitive salary and benefits, including work-from-home flexibility and health insurance. #J-18808-Ljbffr

Main Office-Memphis 165 Madison Ave Memphis, TN 38103, USA The Senior Deposit Product Manager sets the strategic direction for the deposit portfolio for consumer and small business. This leader drives comprehensive market analysis and business case development to inform product strategy, obtains and acts upon the voice of our clients, establishes the product roadmap, and guides end-to-end development of capabilities and enhancements. Full ownership of product performance is expected, including financials/P&L, risk and compliance, client experience, operational readiness, and reporting. Essential Duties and Responsibilities Define the strategy, goals, and OKRs for the deposit portfolio across consumer and small business, optimizing growth, profitability, mix, and cost of funds in alignment with enterprise priorities and risk appetite. Conduct market analysis and develop business cases for new products, features, fee structures and enhancements by establishing a multi-year roadmap informed by the voice of our clients, competitive dynamics, and regulatory changes. Design and optimize end-to-end journeys with Marketing, Distribution, and Digital to improve conversion and engagement. Lead competitive benchmarking to assess product and pricing competitiveness. Develop and deliver executive dashboards and management reporting; analyze product trends and recommend actions. Recommend enhancements, consolidation, or rationalization of existing products based on client feedback, performance profitability, and competitive positioning. Stay current on regulations affecting deposit products while ensuring strong controls, testing, and issue management across the product lifecycle while coordinating required changes with Compliance, Legal, and Operations. Lead development and revisions to marketing materials, training content, internal and external communications, and product documentation. Performs all other duties as assigned. Qualifications Bachelor's degree required; advanced degree (e.g., MBA) preferred or equivalent combination of education and experience. 5-8+ years of experience in deposit product management/strategy, pricing, or related roles within banking; 2+ years of people leadership. Strong analytical skills; proficiency with Excel and data visualization tools (e.g., Tableau/Power BI); SQL experience is a plus. Excellent communication, executive presence, and influence skills; ability to present to senior leadership and align diverse stakeholders. About Us First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at ******************** . Benefits Medical with wellness incentives, dental, and vision HSA with company match Maternity and parental leave Tuition reimbursement Mentor program 401(k) with 6% match More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits Equal Opportunity Employer Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor. #J-18808-Ljbffr

Affinity is seeking an experienced, detail-oriented Consumer Loan Underwriter to join our team! This position conducts careful risk analysis on consumer loan products and exercises judgement based on experience to review, analyze and render a credit decision in accordance with various loan program requirements using digital technology in a remote working environment. Responsible for building member relationships by educating members and cross selling Affinity's products and services. Monitors all pending consumer loans applications by following up on all member related inquiries during the loan process. The underwriter must have experience in leveraging technology and data to make it simple for our members to have access to credit in a timely manner. The starting salary range for a new hire in this role is $60k to $65k. The wage/salary offered to a successful candidate will be dependent on several qualifying factors, including but not limited to: years of relevant experience, years of industry experience, education, etc. Evaluates consumer loan applications: Reviews credit requests and analyzes applications in accordance with Affinity's policies, procedures, and guidelines,. Sets stipulations necessary to substantiate and complete loan request, evaluates all applicable documentation as required. Makes lending decisions within established underwriting guidelines. Makes recommendations on loans in excess of authority. Daily responsibility of managing the queues, underwriting direct consumer lending applications, maintaining turn times, following up on pending applications and stipulations, archiving applications as needed, communicating with members via phone calls and emails, working with internal teams as needed, and any other duties as assigned Meets all lending and regulatory requirements for loan reviews Builds and maintains member relationships. Contacts members regarding their loan application decision and discusses member's individual financial needs Handles branch and call center related questions concerning a members' loan application. Performs duties according to established department procedures and adheres to credit union policies, procedures and guidelines. Finalizes terms of approved loan applications, cross selling ancillary products when applicable MUST have the ability to analyze and verify all sources of income including paystubs, tax returns, award letters, etc. Maintains knowledge of all marketing promotions, products, services, policies and procedures General Requirements/Qualifications : Minimum of 2 years consumer loan underwriting experience is required. Minimum of 2 years of sales experience in a financial institution preferred. Previous experience in credit scoring and automated processing preferred. Strong organizational, technical, analytical and independent decision-making skills. Experience with finance computations, lending calculators and general consumer loan applications. Affinity strives to maintain balance between our employees' personal and professional responsibilities. All full-time employees receive a highly competitive and multi-faceted Total Rewards package including competitive pay, target incentive, full medical/dental/prescription coverage, 401(k) plan, profit sharing, and generous paid time off. Affinity employees are also eligible for discounts on products and services and earn paid time off for volunteering. In addition to these benefits, Affinity provides extensive educational and developmental opportunities as well as access to our formal Tuition Assistance Program. Affinity is committed to creating an inclusive culture and an employment experience that values diversity. Our culture is built on respect - one that recognizes and values the unique talents of everyone on the team. With a genuine commitment to diversity, we've created an environment where employees feel comfortable regardless of race, gender, religion, background, physical ability or sexual orientation. Explore career opportunities with Affinity and belong to something better. Please scroll down and read the Applicant Statement in its entirety. Applicant Statement I promise that all information I have supplied in this application and any other form, oral or written, is true and accurate, and I agree that any misstated, misleading, omitted, or false information will result in rejection of this application form, refusal to hire, withdrawal of an offer of employment, or immediate discharge without recourse, whenever and however discovered. I understand and agree that Affinity Federal Credit Union, any agent acting on its behalf, as well as any other person responding to a reference request pursuant to this application, can and will seek and/or disclose any and all information about me which said corporation, agent, or person may have. I specifically authorize said disclosure and agree to hold all such corporations, agents, or persons harmless. I understand and agree to the fact that Affinity Federal Credit Union maintains a drug-free workplace and that I will be required to undergo a drug urine screening check. I understand and agree to the fact that Affinity will also conduct a criminal history background and credit report check. I understand and agree that said pre-employment checks are designed to ascertain my suitability for employment. I specifically authorize said disclosure of this confidential information and agree to hold Affinity Federal Credit Union, its agents, managers, officers, and employees harmless from any and all liability in connection with the pre-employment screening/testing. Additionally, I agree to comply with all request for additional testing of any type and at anytime during my employment at Affinity Federal Credit Union. I understand that all employment offers are made contingent upon satisfactory proof of legal authorization to work in the United States according to the law. I understand that failure to provide satisfactory proof of identity and authorization to work in the United States will disqualify me from employment. If hired, I agree to abide by the terms and conditions of all Affinity Federal Credit Union policies and procedures. I understand I will not be employed, or my employment will be terminated, if I am or have been convicted of a criminal offense involving dishonesty, breach of trust or money laundering, or if I admit, plead guilty or nolo contender, or have to such an offense or if I agree or have agreed to enter into a pretrial diversion or similar program in connection with a prosecution such an offense. I understand and agree that my employment will be at will and that I or Affinity Federal Credit Union may terminate this employment relationship at any time, with or without notice, for any or no reason, without recourse by either of us. I also understand that oral representations to the contrary do not change the fact that both the Company and I maintain free to end the work relationship for any or no reason. I further understand that any changes in this employment relationship must be made in writing. I acknowledge that at anytime during my employment with Affinity Federal Credit Union, the hours and/or days that I am expected to work may be changed to accommodate the needs of the business. In addition, I am also expected to work at various Affinity Federal Credit Union locations. I acknowledge that I have been advised that Affinity Federal Credit Union is an Equal Opportunity Employer and that Affinity Federal Credit Union administers its employment policies in a nondiscriminatory manner. I specifically authorize Affinity Federal Credit Union to investigate my background, including any and all references, and prior employers, consistent with the position for which I am applying, and release and hold Affinity Federal Credit Union harmless for any and all liabilities arising out of its investigation of my application for employment. I authorize the Company, in its sole discretion, to supply my employment record to any prospective employer, government agency, or other party with an interest that the company deems appropriate. I understand that this application is not a contract of employment. If you agree to this disclaimer, you authorize the Company to process the application in accordance with the Company's established hiring practices. By completing this online application for employment opportunities at Affinity Federal Credit Union, I acknowledge reading, understanding and agreement of the Applicant Statement. Affinity is an Equal Opportunity Employer.

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

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

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

JOB TITLE: Consumer Credit Analyst IIIDEPARTMENT: Consumer Direct Lending Ops STATUS: Non-Exempt GENERAL DESCRIPTION: Consumer Credit Analyst III is responsible for performing risk analysis for complex secured and unsecured consumer loans. The Credit Analyst reviews, analyzes, and evaluates consumer loan applications and based on their judgment approve, modify or deny consistent with credit union guidelines. Consumer Credit Analyst III must clearly document and communicate the reasoning for their decision. Maintain and strengthen relationships with members, and internal/ external originators. A Credit Analyst III will mentor less senior analysts and be prepared to assist in more complex credit decisions or approve transactions outside of other's lending authority. Maintain a thorough understanding of the credit union's underwriting standards, risk philosophy, credit culture and market conditions. Exhibits good leadership ability. TASKS, DUTIES, FUNCTIONS: Review, analyze, and evaluate loan applications based on established credit union policies and apply knowledge of underwriting procedures and risk mitigation techniques to approve, counter, or deny consumer loan applications by: Review and ensure the transaction is accurate, complete and compliant. Analyze credit history to determine propensity for repayment. Analyze income and financial statements to determine ability to repay. Evaluate required documentation for accuracy and truthfulness. Apply fraud detection and prevention techniques. Utilize the credit reports to calculate key lending ratios to determine capacity, credit utilization, and Loan to Value. Ensure application request are in line with credit union guidelines, identify mitigating factors and render judgmental decisions within their designated loan authority. Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance- including bank secrecy, anti-money laundering, Fair Lending and Truth in lending laws appropriate to the position. Responsible for receiving and initiating escalated phone inquiries and must communicate and interact with originator and external business partners to provide information or reasoning regarding loan decision. Effectively address and resolve all complaints or issues raised by members, internal staff and business partners. Gather information, perform analysis, and prepare reports as directed by management. Assist with training originators regarding lending policies, process or procedures, administering lending promotional campaigns. Make recommendations and assist with updating product, policy and procedure materials pertaining to consumer lending. Assist in the preparation of training and/or lending presentations. Train personnel on lending policies and procedures. Provide work direction, feedback and training to less experienced staff. Mentor others in credit decision making and department procedures and policies. Perform upgrade validations pertaining to lending systems. Understand the use of the automated loan origination system and recommend efficiency improvements. May act as a team lead and provide performance feedback to less senior consumer credit analysts. May act as a backup in absence of Supervisor. Perform other Lending duties as assigned. PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASKS: Effective oral and written communication skills required to interact with staff, and members to perform constructive follow up on member loan requests, inquiries, and concerns. Must possess sufficient manual dexterity to skillfully operate an on-line computer terminal and other standard office equipment, such as financial calculators, personal computer, facsimile machine and telephone. Ability to work required hours which may include weekend shifts and work hours after 6:00 p.m. Some travel may be required. ORGANIZATIONAL CONTACTS & RELATIONSHIPS: INTERNAL: Management group and all levels of staff. EXTERNAL: Members and external originators. QUALIFICATIONS: EDUCATION: Successful completion of High School curriculum is required. Associates degree is preferred. EXPERIENCE: : Minimum 7 year in consumer lending, in a judgmental lending environment where LOS is used as a guide to make decisions and 4 years of experience reviewing, analyzing, evaluating loan applications and rending judgmental decisions. KNOWLEDGE/SKILLS: Strong analytical, organizational skills and attention to detail. Ability to calculate figures and amounts. Ability to use logical reasoning when interpreting facts and make objective observations, examinations, evaluations and recommendations. Remain knowledgeable on key trends in the financial services industry that impact loan quality and underwriting. Solid interpersonal, oral and written communication skills to build and maintain professional relationships with originator and members. Good leadership abilities. Extensive knowledge of consumer loan underwriting, credit analysis and reporting. Possess a high degree of integrity to use judgment to make appropriate and fair lending decisions on behalf of the credit union. Comprehensive understanding of both branch and indirect credit union lending policies. Ability to sell and promote product lines, and back up lending decisions in a way that enhance originator relationships. Time and queue management skills to effectively prioritize multiple objectives. Intricate understanding of regional lending market conditions and collateral values. Understand the use of the automated loan origination system. Operate on standard Microsoft programs and other computer operations. Stay up to date on changes within the department, organization, industry and current market conditions. Must work well in a fast paced and flexible production-oriented department. Analytical skills to include reviewing and understanding complex paystub and personal and corporate tax return documents. PHYSICAL REQUIREMENTS: Prolonged sitting throughout the workday with occasional mobility required. Corrected vision within the normal range. Hearing within normal range. A device to enhance hearing will be provided if needed. Occasional movements throughout the department daily to interact with staff, accomplish tasks, etc. Must be flexible with scheduling, including evenings, weekends, and holidays. LICENSES/CERTIFICATIONS: None Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records. THIS PROVIDES AN OVERVIEW OF THE GENERAL SCOPE AND LEVEL OF WORK EXPECTED TO BE PERFORMED, BUT IT IS NOT AN EXHAUSTIVE LIST OF ALL DUTIES OR RESPONSIBILITIES ASSOCIATED WITH THE POSITION. THE CREDIT UNION RESERVES THE RIGHT TO MODIFY, ADD, OR REMOVE DUTIES AS NEEDED WITHOUT ADVANCE NOTICE. EMPLOYEES MAY BE REQUIRED TO PERFORM ADDITIONAL TASKS AND DUTIES AS DIRECTED BY THEIR SUPERVISOR, PROVIDED SUCH TASKS ARE WITHIN THE EMPLOYEE'S KNOWLEDGE, SKILLS, AND ABILITIES, OR CAN BE PERFORMED WITH REASONABLE TRAINING. NOTHING IN THIS JOB DESCRIPTION ALTERS THE AT-WILL EMPLOYMENT RELATIONSHIP OR LIMITS THE CREDIT UNION'S RIGHT TO ASSIGN OR REASSIGN DUTIES AND RESPONSIBILITIES TO THIS POSITION AT ANY TIME. REV. 1/9/2026

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

The Private Banker role at Partners Federal Credit Union is built for financial professionals who want meaningful member relationships, strong work/life balance, and a career path that blends banking expertise with growing investment skills. Unlike the high-pressure sales culture at large banks, our Private Bankers develop deep, long-term financial relationships with Disney Cast Members and families in a service-first environment. We offer stability, a nationally respected brand, and the ability to expand into investment and wealth advisory roles over time. For candidates who want a balance of relationship banking plus the opportunity to grow their investment knowledge, without the pressure of a production-heavy retail bank, this is a unique and highly fulfilling career path. As the trusted primary contact for affluent and selected members, this role delivers comprehensive relationship management by overseeing their full banking relationship with a proactive, consultative approach. The role partners closely with Wealth Management Advisors to provide tailored guidance and recommendations based on each member's financial goals and with seamless client experience. This role also can manage investments accounts for members based on Investment guidelines. The Private Banker acts as a mentor to Member Experience Professionals, supporting complex member needs, assisting branch leadership, and collaborating with Partners Wealth Management Advisors to ensure optimal member outcomes. This role embodies Partners' leadership competencies and core values, maintaining professionalism, integrity, and a positive member experience. Securities and FINRA licensing are required. The position reports directly to the Branch Manager and works in close collaboration with the Private Banking Program Manager to support strategic initiatives and implement tactical programs. Essential Responsibilities: Comprehensive Relationship Management - Serve as the primary contact for affluent and select members, managing complete banking and investment relationships using a proactive, consultative approach. Collaborate with Partners Wealth Management Advisor to provide investment guidance and recommendations to affluent members and those beginning their investment journey. As the trusted primary contact for affluent and selected members, this role delivers comprehensive relationship management by overseeing their full banking relationship with a proactive, consultative approach. The role partners closely with Wealth Management Advisors to provide tailored guidance and recommendations based on each member's financial goals and with seamless client experience. This role also can manage investments accounts for members based on Investment guidelines. The Private Banker acts as a mentor to Member Experience Professionals, supporting complex member needs, assisting branch leadership, and collaborating with Partners Wealth Management Advisors to ensure optimal member outcomes. This role embodies Partners' leadership competencies and core values, maintaining professionalism, integrity, and a positive member experience. Securities and FINRA licensing are required. The position reports directly to the Branch Manager and works in close collaboration with the Private Banking Program Manager to support strategic initiatives and implement tactical programs. Advice-Based Banking - Deliver tailored financial and investment solutions using an advice-based approach, ensuring recommendations align with member goals. Proactive Financial Needs Assessment - Identify life events and evolving financial needs to recommend appropriate financial solutions. Product and Service Expertise - Maintain knowledge of current financial products, rates, and trends, including retirement products, CDs, money markets, and treasury ladders. Mentorship and Leadership - Mentor all levels of Member Experience Professionals, sharing knowledge and skills to enhance performance and success. Cross-Selling and Financial Growth - Promote the credit union's objectives by cross-selling products and services, contributing to branch growth. Provide regular updates to the Private Banking Program Manager on performance metrics. Regulatory Compliance and Documentation - Ensure all documentation meets quality control standards and regulatory policies, including CIP, OFAC, and Chexsystems. Member Education and Technology Adoption - Educate members on digital and online banking solutions to enhance convenience and financial literacy. Business Development and Member Engagement - Represent Partners at business development events, expos, and seminars. Acquire new memberships and follow up with targeted outreach. Investment and Partnership Guidelines Approximately 75% of time is dedicated to banking products and services, with 25% focused on investment opportunities in partnership with the Partners Wealth Management Advisor. Specific investment thresholds require joint meetings with members, the Advisor, and the Private Banker. The Guided Wealth Portfolio (GWP) is the only investment product the Private Banker may sell independently. All investment-related activities must comply with regulatory standards and Partners Wealth Management policies. Knowledge & Skills Education Level: High School or GED (required) Years of Relevant Work Experience: 3 to 5 years in retail banking. Current FINRA certifications and licenses include SIE, and Series 6 Certifications, Licenses, Registrations, etc.: NMLS Certification - Required CA Notary - Required State L&D Insurance License - Required SIE (if Series 6 acquired after October 1, 2018)- Required FINRA Series 63 & 65 OR Series 66 Note: not required at time of hire, but must be acquired within 9-12 months of hire date Continued employment for Series 6 applicants is contingent upon obtaining the Series 63 & 65 or 66 within 9 -12 months of hire. Other Training, Technical Skills or Knowledge: Ability to use a personal computer and related software applications including Microsoft Outlook. Abilities and Behaviors: 3+ years of experience building and maintaining relationships with members and colleagues. Strong knowledge of banking and securities regulations. Excellent member service, sales, and conflict resolution skills. Effective communication, organization, and time management abilities. Adaptability and initiative; able to work independently with minimal supervision. Strong teamwork and collaboration skills. High motivation, professionalism, and ethical standards. Demonstrates discretion when handling confidential financial information. Scope of the Job Performance Standards: New Memberships: 5-8 per month Loan Originations: 12-17 funded applications per month ($300K-$425K) Insurance Units: 8-12 per month (PLP, GAP, MBI) Qualified Referrals: 5-7 per month (Wealth, Auto, Mortgage) Investment Product Sales: 2 new Guided Wealth Portfolio (GWP) accounts per month Maintain member satisfaction and compliance quality scores at or above standards. Discretion / Latitude: This role requires a moderate level of supervision. Ability to apply common sense understanding to carry out detailed but uninvolved instructions and to deal with problems involving a few variables. Interactions: This role interacts with a combination of walk-in Members and outbound phone calls. There is a high level of interactions with all PFCU departments. Business / Work Environment: Shift work, including weekends and home visits, consists of hours outside of an 8 - 5 schedule to cover the hours of operation. Able / flexible to work evenings and Saturday at the convenience of the member. Challenges: Sitting for a prolonged period of time and repetitive tasks. May perform different work functions within a normal workday. Training Requirements: Basic Compliance Training Requirements Basic NEO Training Requirements Core System Training Lending and New Account Platform Training Cards Training (Springboard & Card Wizard) PLP Training Unity Training Basic Underwriting Training focusing on quality loan application interviewing process & submission Physical Demands & Environmental / Working Conditions: Using primarily just the fingers to make small movements such as typing, picking up small objects, or pinching fingers together. Verbal communication where one must frequently convey detailed or important instructions or ideas accurately, loudly, or quickly. Ability to hear average or normal conversations and receive ordinary information. Average, ordinary, visual acuity necessary to prepare or inspect documents or products, or operate machinery. Sedentary work; sitting most of the time. Exerts up to 10 lbs. of force occasionally. The hiring range for this position in Florida is $51,200 to $76,800 per year. The base pay actually offered will take into account internal equity and also may vary depending on the candidate's geographic region, job-related knowledge, skills, and experience among other factors. A bonus and/or long-term incentive units may be provided as part of the compensation package, in addition to the full range of medical, financial, and/or other benefits, dependent on the level and position offered. Disclaimer The above information on this description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.

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

The Portfolio Management Team Lead: Specialized position leads and manages an existing team of Portfolio Managers and Credit Analysts for the Transportation & Logistics industry vertical. The candidate will provide direct management to a team of Portfolio Managers and Credit Analysts and work closely with business line partners and relationship managers to manage and grow the specialized industry loan portfolio. They must have a demonstrated ability to effectively contribute to the loan structuring, underwriting, origination, and portfolio management responsibilities for the loan portfolio. Candidates who have previous managerial experience, the ability to coach and develop talent, and possess a deep understanding of credit analysis and risk management are preferred. The candidate must work well in a team-focused setting and is comfortable balancing competing priorities in a deadline driven environment. Key Responsibilities Include * Leads talent acquisition, onboarding, and new hire training for Portfolio Managers and Credit Analysts. * Establishes regular performance management routines for direct reports, setting goals and providing support to achieve progress towards goal. * Develops the skills of direct reports by providing training, feedback, and coaching at the group and individual level. * Completes regular monitoring of portfolio management reports, keeping LOB leader apprised of portfolio management metrics and performance. * Leads commercial portfolio management meetings, including Asset Quality Meetings. * Monitors workflow and capacity across the team, making adjustments to ensure production deadlines and portfolio management standards are met. Portfolio Management Responsibilities Include: * Leads the analysis, underwriting, origination, and portfolio management of loans. * Utilizes loan structuring, risk identification, and risk mitigation skills. * Understands and applies the Bank's risk grading methodology, approach and credit appetite across the portfolio. * Manages complex relationships with ability to understand cash flow and repayment sources. * Partners with Relationship Managers to call on current or potential clients; understands and identifies needs for commercial products and services; develops lending proposals; identifies cross-sell opportunities. * Maintains oversight of post-approval due diligence requirements and commercial loan documentation preparation. * Maintains satisfactory portfolio management metrics, ensuring credit quality and portfolio servicing are maintained in an acceptable manner. Qualifications Include * Minimum 6 years of corporate or commercial underwriting and portfolio management experience. * Bachelor's degree in business, finance or related field required. * Ability to read, analyze and interpret financial reports and legal documents; performs complex calculations; effectively researches, analyzes and evaluates information to make decisions, solve problems and achieve goals. * Ability to understand and communicate information and ideas in a clear manner, both orally and in writing with senior executives, business unit management and staff, state and federal regulators and officials, significant business partners, commercial lending prospects, and clients. * Very strong credit, analytical, organizational, and communication skills. * Manage and coach a team with varying degree of skillsets and backgrounds. * Ability to become the expert leader in regulatory matters and bank commercial loan policy. * Strong computer skills required with the following programs: Word, Outlook, PowerPoint, and highly proficient skills with Excel. About Us First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at ********************* Benefit Highlights * Medical with wellness incentives, dental, and vision * HSA with company match * Maternity and parental leave * Tuition reimbursement * Mentor program * 401(k) with 6% match * More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits Follow Us Facebook X formerly Twitter LinkedIn Instagram YouTube

At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement--available to all full and part time employees. Part time positions start at a minimum of 30 hours per week. We encourage you to become a part of VyStar Credit Union's family of employees. Asset & Loss Mitigation SpecialistACCOUNTABILITY STATEMENT The incumbent ensures that VyStar's interest in both collateralized and non-collateralized loans are protected against loss due to bankruptcy or other legal action involving our interest and typical collateralized loan default. The incumbent must be familiar with the Fair Debt Collection requirements along with Bankruptcy Legislation. The incumbent will thoroughly review all legal documentation regarding any loan account to protect VyStar's interest and seek guidance from the Sr. Asset Remarketing & Loss Mitigation Coordinator as needed. The incumbent serving in this key role must present a professional image of VyStar as they manage vendor relationships with Repossession Agents and Bankruptcy attorneys. The specialist has authority within their role which requires strategic decision making. The use of this authority should result in an acceptable outcome for both our member and the credit union. Collateral recovery and liquidation is an integral part of the loss mitigation strategy for VyStar as it aids directly in delinquency and charge off financial reporting for one of the largest segments of the consumer loan portfolio. In addition to these duties the incumbent will manage a well-defined bankruptcy processing workflow in order to mitigate loss that may stem from litigation caused by possible bankruptcy regulation challenges. The incumbent is required to engage thoroughly in the current liquidation market and develop remarketing strategies that will provide VyStar the highest return for collateral securing consumer loans as well as stay abreast of regulatory and legislative changes that affect bankruptcy processing. Accuracy and timeliness for coding is essential to ensure our daily operations function within state and federal regulations governing bankrupt processing as well as the repossession and sale of collateral. ESSENTIAL FUNCTIONS Code all consumer loans, business credit cards, consumer credit cards and deposit accounts (business and consumer) in the core system within one business day of notice receipt to ensure proper tracking measures are in place and internal notification procedures adhere to local, state and federal bankruptcy statutes. Coding will ensure strict adherence by ceasing any and all written and verbal communication with bankrupt members. Review bankruptcy notices in collaboration with attorneys, management, and members in order to take appropriate action within specified time frames conducive to the interest of VyStar. These notices would include but are not limited to petitions, claims, motions, affidavits, and schedules. Provides a monthly summary report outlining petitions received, processing times and trends to management for review. Recommends and prepares legal action in order to mitigate loss to the credit union. Provides support to their peer group within bankruptcy proceedings by attaining lift of stay prior to discharge allowing for the credit union to secure collateral attached to delinquent loans. Review chapter 13 plans to ensure VyStar receives equitable treatment with regard to repayment of secured debts; fair interest rate and file necessary claims on all debts owed to recover the maximum allowed. Make recommendations to send the file to our attorney to file for objections to the plan and/or objections to motion to value collateral for less than fair market value. Files, tracks, and maintains necessary documentation with the courts to protect VyStar's interests. Conducts reviews of court ordered debt restructures to make certain the credit union is repaid in fairness. Works collaboratively with the Sr. Loan Modification Coordinator to reconcile loan repayment records after confirmation. Ensures that all post and pre-petition amounts due are received in accordance with all consumer loans included in chapter 11 and chapter 13 plans. Provides operational support to Business Services by managing all negative deposit accounts, business credit cards, and business loans included in bankruptcy. Stay informed of PACER filing requirements, use of PACER system and bankruptcy legislation. Including all changes in state and federal regulations to ensure any/all filing dates and time lines are followed correctly to protect VyStar's interest. In addition, responsible for the design and implementation of changes to internal policy and procedure as dictated by the bankruptcy governing bodies. Negotiate with members after discharge for the reestablishment of membership in accordance with local, state, and federal bankruptcy laws. Provides information to members regarding membership status, collateral insurance requirements, payment history, and pending credit union action specific to bankruptcy. Monitors and negotiates repayment in pay and retain situations to mitigate risk of default for those loans discharged in bankruptcy and the member wishes to retain the attached collateral. Prepares and assigns account collateral for recovery to 3rd party recovery agencies. This would include (but not be limited to) voluntary assignments, involuntary assignments, and Writs of Replevin to recover collateral on a daily basis. File appropriate request with the chapter 13 Trustee to access the Trustee site if available to monitor member's payments to the Trustee and disbursements from the Trustee. Provides skip tracing support to repossession agents in an effort to expedite the recovery of collateral. Processes the collateral recovered by the 3rd parties into core processing systems and stand-alone tracking systems on a daily basis. Failure to accurately and efficiently code collateralized loans in our core system will result in regulatory violations and place the credit union at significant risk for fines and litigation. Communicates and negotiates verbally and in writing with VyStar Credit Union Members in conjunction with the assignment and recovery of secured collateral with the intent to mitigate loss to the credit union and minimize the financial impact to our members. The incumbent will provide alternatives to our member's in lieu of repossession where necessary. This will often require the candidate to have familiarity with our lending and modification processes as several of our hardship opportunities require submission of the consumer loan modification form. The candidate will also communicate verbally and in writing with 3rd party recovery agents, insurance companies, and law enforcement agencies in strict adherence to federal, state, and local legal statutes that regulate the repossession and liquidation of collateral on a daily basis. The Asset and Loss Mitigation Specialist will work with the Consumer Loan Hardship Specialists to coordinate the disposition of collateral in the event of a member's passing. The specialist will work with an estate, surviving spouse, or probate attorney on a regular basis in order to facilitate an acceptable resolution for both parties. Files for refunds on single interest coverage insurance, extended warranty policies, GAP insurance and any other type of asset account linked to repossessed collateral on a daily basis to minimize loss to the credit union. Regularly follows up with our dealer partners on a weekly basis to secure proper repayment of contract cancellations associated with ancillary products that may be financed in the loan. Contact and follow up with attorneys and Trustees as needed via telephone and written correspondence. Liaison for VyStar employees to answer general bankruptcy questions. Produce and maintain desktop procedures for the bankruptcy process. Consistently adheres to VyStar core values and Code of Ethics and acts in accordance with those values. Performs the activities and projects as assigned and requested by the Collections Operations Supervisor and Vice President of Consumer Loan Collections. Applies Debits & Credits to the loan account in the core processing system and maintains records of expenses and payments received on all Repossessed accounts on a daily basis. Advises the Member(s) (and any other required party) of the recovery of the collateral, the redemption period and the liquidation of the collateral in accordance to federal, state and local statutes on a daily basis. Identify and make recommendations to Collection Operations Supervisor and Department Vice President regarding process improvements, quality service and increased efficiencies along with on all normal filings, any abnormal filing trends, and volume and filing demographics on a monthly basis. All employees and business units, as first line of defense, are expected to proactively help identify, assess, manage, and report risks within their domain of work. To enhance a healthy risk culture and support our growth for good pillar, employees will maintain vigilance in safeguarding our operations while ensuring compliance with regulatory mandates. The Risk team serves as the second line of defense by providing risk oversight and credible challenge whereas the Audit team serves as the third line of defense by providing risk assurance. Incumbent is expected to demonstrate each of the following VyStar Excellence behaviors in performing the duties and responsibilities of their job. Focus Focus your full attention by carefully listening to and observing your client or member. Connect Consistently be friendly and approachable. Demonstrate you care. Understand Listen empathetically and ask questions. (70%/30%) Counsel Recommend solutions based on your clients or member's needs and objectives. Advance Ensure that member's expectations were exceeded. JOB KNOWLEDGE, SKILLS & ABILITIES: Required A minimum of three years' experience in collections, collateral remarketing, or bankruptcy and legal processing within a financial environment is required. Knowledge of Fair Dept Collections Practice Act (FDCPA), Federal Bankruptcy Laws, Fair Credit Reporting (FCRA), state laws governing repossession and liquidation of repossessed collateral and secondary market requirements for servicing derogatory loans. Applicant must have positive, well-developed communication skills, both written and oral, be detail oriented, have good organizational and active listening skills, the ability to work in a fast paced environment, and proven ability to work with others. Must have professional conduct and appearance and be self-motivated. Must work under the philosophy of “people helping people” and be able to communicate with members and legal council at all levels. Applicants must demonstrate the qualities of a self-starter and one who follows through on all job duties. Preferred Knowledge of Microsoft Word, Excel, Access, Adobe, LaserFiche, MVI Document Capture, D-ROM Viewer, Dealertrack Technologies, AutoIMS, PACER and chapter 13 network. EDUCATION An associate's degree or higher is the minimum educational requirement. Experience may be substituted for education on a 2 to 1 ratio. Continuing education via local conferences and workshops is required for updates on federal regulations. Specialized classes in bankruptcy will be required. DISCLAIMERS AND WORK ENVIRONMENT/PHYSICAL DEMANDS Nothing in this position description is an implied contract for employment. The position description is intended to be an accurate account of the essential functions. The functions are not all encompassing and are subject to change at any time by management. The work environment characteristics described are representative of those that an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. As required or requested, may exert up to 20 pounds of force occasionally and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects. VyStar Credit Union is not seeking outside assistance or accepting unsolicited resumes from staffing agencies or search firms for employment or contractor opportunities. Any resumes submitted by an outside vendor to any employee at VyStar via e-mail, internet, or directly to hiring managers without a valid written search agreement with the Talent Acquisition / HR department will be deemed the sole property of VyStar Credit Union. No placement fee will be paid if a candidate is hired as a result of the referral, or through other means. Thank you for your inquiry regarding our current job opening. Your resume will be carefully reviewed against the position requirements. Should your experience and skills match, you will be contacted by one of our Human Resources department staff members. Thank you again for your interest in this position! VyStar Credit Union Human Resources

At First Horizon Bank Operations, we are on a mission to deliver a seamless customer experience. We are passionate about doing things right and doing the right things. We collaborate with each other and with our internal business partners to delight our customers. We believe in creating an environment where everyone's ideas are valued so that the team operates at its best. Our team members serve with humility and a deep commitment to their responsibility to be the best at serving their customers one opportunity at a time. Underwriter Specialist provides cursory analytical support for Consumer/Portfolio Mortgage underwriting groups including spreading and preliminary analysis of existing customers and prospects. ESSENTIAL DUTIES AND RESPONSIBILITIES * Ensures the consumer loan application information provided is accurate and complete * Performs credit analysis and makes credit decisions within authority limits * Ensures accuracy of any preliminary analysis presented * Reviews and analyzes applicable ratios (i.e., DTI, PTI, & LTV) * Reviews proof of income and financial statement documentation when required by policy * Provides financial statement spreading on loan request when necessary * Contacts bankers to gather information to make appropriate decisions and explains loan decision * Performs other duties as assigned Requirements * Bachelor (4-year college) degree and 5+ years of experience or equivalent combination of education and experience * Microsoft Office suite About Us First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at ********************* Benefit Highlights * Medical with wellness incentives, dental, and vision * HSA with company match * Maternity and parental leave * Tuition reimbursement * Mentor program * 401(k) with 6% match * More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits Follow Us Facebook X formerly Twitter LinkedIn Instagram YouTube

As a Private Client Relationship Manager (PCRM), you are responsible for new business development with High-Net-Worth Clients. You are responsible for advising your clients on building, preserving, and managing their wealth, risk management solutions, business transition strategies, etc. You will utilize our financial planning strategy to advise high net worth individuals on all aspects of their balance sheet to assist clients with meeting their stated goals and objectives. You will be part of a local team and supported by a platform that has the resources, specialists, and intellectual capital to help you advise clients on achieving their desired goals. ESSENTIAL DUTIES AND RESPONSIBILITIES Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time. Meet revenue growth, profitability and client retention goals by acquiring new clients through business development and expanding services and marketing new products to prospective and existing clients. Self-acquires new business by being active and well connected in the community. Expected to be the expert level "market moving" advisor with ability to handle the most challenging, sensitive and complex wealth relationships. Focuses on targeted prospecting and developing relationships with external referral sources; effectively work with various specialists and partners who are designated to support client service and business development efforts (e.g. credit, mortgage, planning, investment, trust and fiduciary services, and insurance services) in a manner that promotes client retention and prospect referrals. This includes effectively executing on the specialist delivery model utilizing both centralized and regionalized partners to appropriately protect the inherent cost-to-serve requirements of the corporation. Uses advanced credit knowledge to help lead the conversation and advice delivery model with clients and prospects. Partners with wealth and banking specialists, including investments, trust, mortgage, insurance, etc., using a team approach to deliver solutions to client's financial needs and to enhance existing relationships. Thrives in a team-based approach to deliver the full suite of First Horizon's solutions. Team and peer group role model for other Private Client Relationship Managers. Continuously act as a culture champion that is aligned with First Horizon Bank's Purpose, Mission and Values. Establish and maintain mutually beneficial business relationships with internal and external centers of influence as well as the regional leadership team, outside Certified Public Accountants (CPA), attorneys, civic associations and other individuals and organizations to enhance the marketing efforts of the team. Stays updated and abreast of changing economic, legal, financial planning, investment trends and general market and business issues impacting affluent clients. Serve as a personal financial planning/advisory resource for clients, their attorneys and CPAs. Maintain appropriate legal, operating and regulatory controls to manage risk and compliance. Works within the existing audit, compliance and regulatory framework to ensure a high quality, compliant portfolio of relationships. Using sound judgment on expense and operational efficiency QUALIFICATIONS Bachelor's Degree Required. FINRA: Maintains proper licenses including Series 7, Series 66, the Securities Industry Essentials (SIE) Exam as applicable Life, Health, and Variable insurance licenses. Ensures that appropriate continuing education requirements are met where needed. 5 or more years of sales and client management experience in Wealth Management and a demonstrated ability to manage a portfolio of high net and ultra-high net worth clients with complex credit and banking needs. Successful track record using interpersonal, sales, presentation and relationship management skills previously demonstrated in the high-net-worth marketplace. Advanced and reputable credit knowledge with a proven track record working complex credit deals and/or in tandem with a senior credit advisor. Advanced and proven working knowledge of deposit, credit and investment products. Successful background working in a goal based, results-driven, sales environment that uses tools such as leaderboards, pipeline reporting and other sale management tools to be successful. Ability to thrive and be an active participate on a team. Demonstrated proficiency in basic computer applications, such as Microsoft Office software products. As part of the employment process for this position, you will have to meet the requirements of a background credit check. This position requires compliance with the S.A.F.E Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements. The requirements listed above are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. About Us First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at ********************* Benefit Highlights • Medical with wellness incentives, dental, and vision • HSA with company match • Maternity and parental leave • Tuition reimbursement • Mentor program • 401(k) with 6% match • More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits Follow Us Facebook X formerly Twitter LinkedIn Instagram YouTube

Provide quality, accurate and timely customer service involving daily processing of financial transactions in a retail banking environment. Often serving as the first point of contact to the client, may have responsibility for recommending bank products or referring clients to other areas of the Bank. Develop and retain long-term and profitable client relationships to maximize revenue growth. Responsible for maintaining high customer service and procedural standards. Provides fulfillment of retail banking products either through referral-based leads, prospecting lists or self-sourcing. Monitors and maintains control of cash. ESSENTIAL DUTIES AND RESPONSIBILITIES Operational efficiency Handle a cash drawer; ensuring proper control of cash drawer; follow all audit and security policies and procedures. Process deposits, withdrawals, transfers and loan payment transactions for customers. Process miscellaneous transactions (bonds, municipal coupons, money orders, etc.). Assist in daily balancing and processing of ATM(s), including the processing of all entries. Assist in the verification of deposits in the night and lobby depository. Assist with the dual control vault responsibilities. Stay informed of all operational updates and changes to ensure compliance with all current guidelines. Client experience Deliver excellent client experiences consistently and promptly resolve client issues effectively. Ensure an excellent overall client experience by assisting clients with select service needs. Enhance individual knowledge to better serve clients by attending relevant sales, service, and product knowledge meetings, training classes, and web-based learning. Sales and service Identify cross selling opportunities and refer clients/prospects to the appropriate team. Promote bank products and services to further enhance client relationships. Compliance and risk management Expected compliance with bank regulations, policies, procedures, risk management, internal controls, and the First Horizon code of ethics. Perform all other job-related duties as assigned SUPERVISORY RESPONSIBILITIES No supervisory responsibilities QUALIFICATIONS To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Additionally, the qualifications listed below are representative of the education and experience required and/or preferred as noted. High school diploma or GED required and 6 months of cash handling or teller experience strongly preferred or equivalent combination of education and experience. COMPUTER AND OFFICE EQUIPMENT SKILLS Microsoft Office Suite In addition, 10-key calculator; coin counter CERTIFICATES, LICENSES, REGISTRATIONS (Ex: CPA, Series 6 or 7 license, etc) Not necessary While performing the duties of this Job, the employee is regularly required to stand; use hands to finger, handle, or feel; reach with hands and arms and talk or hear. The employee is frequently required to walk. The employee is occasionally required to sit and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision. As part of the employment process for this position, you will have to meet the requirements of a background credit check. This position requires compliance with the S.A.F.E Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements. DeGarmo Behavioral Assessment Requirement All candidates must complete the DeGarmo Retail Behavioral Assessment to be considered for this position The assessment takes approximately 12-15 minutes to complete Assessment results must be submitted prior to having your application evaluated by Talent Acquisition Hours: Monday - Friday 8:00 AM - 5:00 PM About Us First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at ************************ Benefit Highlights • Medical with wellness incentives, dental, and vision • HSA with company match • Maternity and parental leave • Tuition reimbursement • Mentor program • 401(k) with 6% match • More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits Follow Us Facebook X formerly Twitter LinkedIn Instagram YouTube

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

If you are motivated and believe in the credit union philosophy of "People Helping People," join our team! Purpose Financial Advisory Services Specialist with an investment/trust/estate planning focus is responsible for providing exemplary member service and helping members obtain life insurance policies, annuities, investment accounts, and identify their estate planning needs as appropriate based on the members' financial goals and objectives, through branch, telephone and/or digital delivery channels. Specialists also work to engage member-facing employees on general financial advisory topics to support the referral process. Performance Expectations and Essential Responsibilities* Develop or increase proficiency in meeting members' needs in the areas of life insurance, investments, trust services, estate planning and retirement planning. This includes explaining products and services, writing policies, opening new accounts and setting Estate Planning Essentials appointments or making an outside attorney referral. Develops a good understanding of all FAS solutions to coordinate and engage with other specialists as needed obtain assistance with complex scenarios and ensure member needs are being met holistically. Effectively works referrals to ensure members are connected with a qualified FAS employee. Frequently communicates with management about activities and results within assigned area. Develops a strong understanding of each platform's products, services, policies, requirements and open new accounts / place new business effectively in light of those requirements. Must develop a strong understanding and be able to navigate effectively in SECU operational systems, life insurance software, NetX 360, Envestnet and new systems as introduced in the future. Utilize SECU technology, marketing campaigns, lead platforms, referrals and/or member branch visits to achieve daily activity levels that align with insurance productivity benchmarks as communicated by management. Comply with all Credit Union policies and regulatory requirements. Ensure all member information remains confidential and members' accounts are accessed for business purposes only. Follow all security and control procedures. Greet and assist members in a courteous, professional, and timely manner through all service channels - in-person, phone, and digital communication. Actively work with mentor and management team to strengthen proficiency in member service delivery. Ensure that proper identification of members is taking place and all actions are compliant with SECU's Member Information Security Procedure (MISP). Willing to assist in other areas of the operation as needed. Professionally interact with other departments to facilitate member requests. Must maintain acceptable performance level based on Key Performance Indicators (KPI's) and achieve and maintain standards as directed by management. Regular attendance and punctuality are mandatory. Soft skills and call quality must be maintained at an acceptable level. Specialists in the FAS Contact Center must develop a strong understanding of CXOne platform and be available in member-facing phone skill sets as determined by management. Maintain a current and comprehensive knowledge of credit union products and services and possess an ability to provide quality referrals. Exhibit a positive attitude toward members and teammates while maintaining professional appearance and demeanor. Complete all required quarterly training courses, continuing education & other training assigned by management. Have completed, or complete promptly upon hiring, all of the following courses of the SECU Module Program with passing score on the corresponding examinations: Member Eligibility Money Market Share Accounts (MMSA) NCUA Coverage SECU Online Services SECU Policies Overview Share Accounts Tax-Advantaged Accounts We Are SECU! Account Research in OnBase Account Titling & Designations Estate Basics Financial Advisory Services (FAS) Overview Life Stage MARGO Platform MARGO Teller Member Identification Relationship Manager SECU's Member Facing Websites Share Term Certificates U.S. Savings Bonds Minimum Requirements Must have four-year degree in financial planning, finance, wealth management, math or a related field. Existing licenses, designations, experience, or coursework in investments, trust and estate planning, wealth management or a related area (in addition to a high school diploma or GED) may be considered in lieu of the degree requirement. If unlicensed or partially licensed at the time of hire, must obtain the following within 6 months of registration with FINRA: Life insurance license Investment licenses (SIE/Series 6/63/65 OR SIE/Series 7/66) If hired primarily to be a trust representative, in lieu of investment licenses, must have: Life insurance license ATFA (Accredited Trust Fiduciary Advisor) certification or be eligible to quickly obtain. Some experience as a licensed Insurance, Investment, or Trust Representative is preferred. Some experience in the credit union or financial services industry is preferred. Must maintain all required licenses after obtaining them and satisfy all continuing education requirements. Ability to work independently and as part of a team. Must develop and demonstrate excellent critical thinking skills, problem-solving skills, and good judgment. Must demonstrate excellent written and verbal communication skills. Must be self-motivated. Must possess an aptitude for meeting people, developing member confidence, respect of members and co-workers, trust in Credit Union. Must be able to quickly adapt to changes in daily work based on immediate needs. Must have strong multi-tasking and organizational skills. Be discreet in performance of duties and hold information about member accounts in strict confidence. Work additional hours when necessary to execute responsibilities. Must complete training, modules and education as directed by management. Must be able to speak English fluently. Must be able to cooperate and collaborate with co-workers. Must be cordial in all interactions with members and co-workers. Must be willing to engage in ongoing training and professional development. Must adhere to the work schedule and attendance policy established by manager. Travel for training may be required. Must possess vehicle and valid driver's license. Job Environment Office setting with physical proximity to other employees. Some background noise from other employees, copy machine, and telephone. Some aspects of job will be performed at off-site premises. Physical Demands Must be able to comprehend and carry out verbal and written instructions. Sits 50%, walk 25%, and stands 25% of the time. Use hands and fingers to press keys on a computer keyboard to enter or retrieve information. Must be able to communicate clearly in answering members questions. Must listen well to ascertain the services needed by each member. Climbing stairs may be necessary in MSS Centers that are housed on more than one floor. Visual acuity is required to complete necessary documentation. Must be able to lift 5 pounds. SECU provides equal employment opportunity to all qualified persons regardless of race, color, religion, age, sex, sexual orientation, gender identity, national origin, genetic information, disability, veteran status, or other classification protected by law. Disclaimer State Employees' Credit Union reserves the right to fill this role at a higher/lower level based on business need.

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