Careers

Employees are one of Lower Valley Credit Union’s most valuable resources, and we take our responsibilities to our employees seriously. Each LVCU employee is also a member, and is to be treated fairly, equally, and with dignity, as an individual and as an important part of the Credit Union.

The Credit Union seeks to promote a workplace that reflects our ethnically and culturally diverse community. Our equal employment opportunity commitment applies to all terms and conditions of employment including, but not limited to, policies and procedures, recruiting and hiring, compensation and benefits, job actions, and the workplace environment.

Current Jobs Available

Mortgage Loan Officer II/Senior - Sunnyside, WA

Description

 

 

 

 

Provide information on credit union products and services to members in accordance with credit union policies and procedures and State and Federal rules and regulations. Responsible for interviewing applicants for real estate loans, processing applications, and analyzing applications for underwriting. Gather background information and analyze loan applicants’ credit history. Approve or deny loan applications based on analysis of each applicant’s background. Operate under substantial credit authority.

Requirements

  • Develop mortgage loan business through member seminars and calls to realtors, contractors, and other institutions
  • Establish and monitor control procedures for first-mortgage loan portfolio.
  • Ensure that you are in compliance with all federal and state laws as well as the Bank Secrecy Act, the Patriot Act and other regulations.
  • Interview loan applicants and assist members with the loan applications process. Handle mortgage loans of highest complexity, value, and risk.
  • Obtain and evaluate credit bureau reports on applications.
  • Pull credit reports for all accounts, verify debts, and estimate monthly payments for any outstanding debts not listed and add them to debts on application.
  • Approve or deny real-estate loan applications, and explain reasons for denial.
  • Ensure that each real-estate loan is processed accurately.
  • Prepare mortgage loan application and document packet for closing.
  • Pay title company fees for title searches, legal work, and appraisals.
  • Pay real-estate taxes, including calculating tax shortages and new monthly payments.
  • Maintain accurate records of insurance and taxes on real-estate loans.
  • Exhibit and maintain knowledge related to Real Estate regulations including TRID, HOEPA, HMDA, and ECOA.
  • Manage second-mortgage portfolio and develop marketing plans for these products.
  • Monitor delinquent real-estate loans, and take action as necessary.
  • File necessary papers with the state land title for second mortgages.
  • Train new mortgage loan officers.
  • Assist and advise junior mortgage loan officers.

Job Type – Full-Time
Experience – 2 Years Experience Required

Branch Manager I - Prosser, WA

Purpose
The Branch Manager I is accountable for the leadership and management of a branch office to result in quality service to members in new accounts, account transactions and loan applications while ensuring a supportive work environment for staff. The Branch Manager I will lead by example and clearly demonstrate LVCU’s member and community focus.

 

Duties and Responsibilities

  • Creates and implements business development strategy through Branch Business Plan
  • Ensures profitable operations, quality standards and full compliance of the branch
  • Apply and evaluate policies and procedures for the branch. Ensure that you and the branch are in compliance with all federal and state laws as well as the Bank Secrecy Act, the Patriot Act and other regulations.
  • Oversees attainment of monthly loan department goals at the branch; conducts loan interviews and processes, approves and/or closes loans to reach goals as necessary
  • Supports organizational business need through ongoing project assignments
  • Responsible for the overall direction, leadership, coordination and monitoring of the branch team and all operational activities including conducting regular staff meetings
  • Actively demonstrates a knowledge base of all products and services and sustains ongoing promotion of all items. Creates and maintains a cross-selling environment within the branch. Trains and coaches employees to maximize opportunities for sales to members by guiding needs based conversations
  • Monitors branch operations including key products and sales: MSR transaction volume and errors; products and services including loans, new accounts, and other cross-selling; account retention and additional benchmarks as developed to ensure a consistent professional approach and successful attainment of goals
  • Manages the security and safety of the branch; accountable to ensure all LVCU policies and procedures are followed and all branch functions comply with regulations. Confirms staff is familiar with security and robbery procedures
  • Calls on area companies and nurtures business relationships; takes the lead in being the face of the branch
  • Plans for, directs and develops new markets to grow business in conjunction with Marketing Department and Executive Management Team
  • Participates in community service projects and builds relationships with civic and community leaders
  • Monitors market and competition to recommend customized product and service strategies
  • Assists in the recruitment, and selection of quality applicants to fill vacancies
  • Responds to any and all concerns and complaints including members, outside entities and staff
  • Works in cooperation with auditors and examiners
  • Performs other duties as assigned

Education: Associates Degree
Experience: 2 years
Bilingual (Spanish preferred)

Loan Officer I - Pasco Kiosk
Lower Valley Credit Union is looking for a Loan Officer I in Pasco who is dedicated to our mission and enthusiastic about making a difference in the communities we serve. This position will be located in a kiosk in a busy location and will be crucial in developing our community relations in Pasco, WA. This individual will need to evaluate and gather background information on members for authorizing or denying loan applications. Along with providing information on our products and services, individual will also be responsible for following credit union policies, procedures, and Federal and State rules and regulations.

 

 

 

 

Requirements

  • Responsible for evaluate credit worthiness by gathering background information and to determine financial eligibility
  • Must have experience with credit reports and OFAC
  • Assist members who need help with the loan application process
  • Must be able to communicate with member on approval or denial of the loan application along with counsel members on policies and restrictions during completion of loan
  • Specify collateral needs and payment plans for members who are applying for a loan
  • Must be able to calculate debt-to-income ratios
  • Assess customer needs and explores all options for cross-selling our products and services
  • Follow credit union policies, procedures, and Federal and State rules and regulations and adhere to lending compliance guidelines
  • Performs other duties as assigned
  • BILINGUAL – SPANISH SPEAKING IS A MUST TO MEET MEMBER NEEDS

Job Type – Full-Time

Education – Associate Degree

Experience – 2 years of loan origination

Loan Officer I - Pasco, WA

Lower Valley Credit Union is looking for a Loan Officer I in Pasco who is dedicated to our mission and enthusiastic about making a difference in the communities we serve. This individual will need to evaluate and gather background information on members for authorizing or denying loan applications. Along with providing information on our products and services, individual will also be responsible for following credit union policies, procedures, and Federal and State rules and regulations.

 

 

 

Job Requirements:

  • Evaluate credit worthiness by gathering background information and to determine financial eligibility
  • Experience with credit reports and OFAC
  • Assist members who need help with the loan application process
  • Communicate with members either to request or to provide information by phone and/or electronically
  • Must be able to communicate with member on approval or denial of the loan application along with counsel members on policies and restrictions during completion of loan
  • Work with local car dealers to build relations
  • Specify collateral needs and payment plans for members who are applying for a loan
  • Must be able to calculate debt-to-income ratios
  • Assess customer needs and explores all options for cross-selling our products and services
  • Follow credit union policies, procedures, and Federal and State rules and regulations and adhere to lending compliance guidelines
  • Performs other duties as assigned
  • BILINGUAL – SPANISH SPEAKING IS A MUST TO MEET MEMBER NEEDS

Job Type – Full-Time

Job Locations: Pasco, Sunnyside, Prosser, WA

Education – Associate Degree

Experience – 2 years of loan origination

Want to join our team of dedicated staff? Please fill out the application.

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