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

Loan Officer I - Sunnyside

Purpose
Provide information on credit union products and services according to all credit union policies and procedures and Federal and State rules and regulations. Responsible for interviewing and evaluating applicants for routine loans and processing loan applications. Gather background information and analyze loan applicants’ credit history. Approve or deny loan applications based on analysis. Operate with moderate credit authority.
Duties and Responsibilities
1. Gather background information on loan applicants by interviewing loan applicants and obtaining credit bureau reports.
2. Assist members with the loan application process to ensure completeness of information.
3. 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.
4. 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.
5. Calculate debt-to-income ratios on loan applicants.
6. Calculate how much of a loan applicant’s debt is secured or unsecured.
7. Complete loan applications over the phone and/or electronically.
8. Determine collateral needs and payment plans for members applying for loans.
9. Determine eligibility of loan co-maker from co-maker’s statement and credit rating.
10. Approve or deny loan applications.
11. When a loan is denied, explain reasons for denial in a professional, courteous manner. Work with member to provide recommendations or alternative options for other possible ways to secure a loan in the future.
12. Verify the accuracy of loan amounts and repayment terms on approved loan applications.
13. Complete loan documents and disburse loans when approved.
14. Implement new loan products and services in accordance with management direction.
15. Cross-sell lending and other credit union products.
16. Perform other duties as assigned.

Position: Full time M-F

Accounting Clerk - 2 Positions Available

Purpose

Follow detailed and standardized procedures in performing routine accounting clerical operations. Perform a variety of support duties related to the accounting function with the credit union.

Duties and Responsibilities

Perform a variety of activities to assist the manager in maintaining the financial, statistical, and accounting records of the credit union.

  1. Enter data into accounting systems and generate reports on a daily basis. Prepare various financial, regulatory, and special reports on a weekly, monthly, and quarterly basis as requested by management.
  2. 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.
  3. On a daily basis, verify and balance teller sheets from all locations. Total checks and prepare reports as warranted. Verify that checks received from members have restricted endorsement. Run tapes of check vouchers, receipts, and offline items.
  4. Assist with share drafts in encoding errors, late returns, and other problems. Batch checks in numerical order, indicating missing stubs.
  5. Journalize all necessary transactions and make sure everything is in balance.
  6. Review and enter employee expenses into the general ledger.
  7. Post some general ledger entries and proof totals with the general ledger system. File and store general ledger journals daily.
  8. Prepare accounts payable checks after receiving proper authorization.
  9. Maintain FED Line by wiring money to/from Federal Reserve, verifying outgoing wires, daily roll-over, and reconciling Federal Reserve Account.
  10. Reconcile credit card statements and share draft statements.
  11. Maintain working knowledge of various accounting software programs.
  12. Perform other duties as assigned.

Position 1: Full Time M-F
Education/Requirements: 3 years Accounting Experience/AA
Location: Sunnyside, WA


Position 2: Part Time M-F 8:30am-1:00pm
Required: Accounting Experience/Accounting Certificate
Location: Sunnyside, WA

Consumer Underwriter - 2 Positions Available

Purpose

Review consumer loan applications and ensure that credit union’s policies and procedures are enforced consistently across the lending department. Ensure compliance with federal and state lending laws.

Duties and Responsibilities

Perform a variety of activities to assist the manager in maintaining the financial, statistical, and accounting records of the credit union.

  1. Monitor lending queues to ensure that loan officers receive timely responses on loan applications
  2. Responsible for approving, conditioning, or denying consumer loan applications
  3. 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.
  4. Communicate with loan officers to ensure that all stipulations are included in the loan file
  5. Analyze debt-to-income, loan-to-value, credit report, application, income, and other supporting documents on loan applications
  6. Escalate issues and uncertain questions to Underwriting Supervisor
  7. Suggest alternative loan options or next steps to applicants who do not initially qualify for their requested amount
  8. Perform other duties as assigned.

Position 1: Full Time M-F  |  Position 2: Part Time M-F 11am-5pm
Education/Requirements: 2 years consumer lending experience
Location: Sunnyside, WA

Real Estate Loan Underwriter

Purpose

Review real estate loan applications and ensure that credit union’s policies and procedures are enforced consistently across the lending department. Ensure compliance with state and federal lending laws.

Duties and Responsibilities

  1. Monitor lending queues to ensure that branch managers receive timely responses on loan applications
  2. Responsible for approving, conditioning, or denying real estate loan applications
  3. 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.
  4. Communicate with loan officers to ensure that all stipulations are included in the loan file
  5. Monitor the progress of different real estate applications with the goal of helping as many applicants as possible
  6. Analyze debt-to-income, loan-to-value, credit report, application, income, and other supporting documents on loan applications
  7. Escalate issues and uncertain questions to Underwriting Supervisor
  8. Suggest alternative loan options or next steps to applicants who do not initially qualify for their requested loan amount
  9. Stay updated with state and federal compliance updates
  10. Create Pre-Qualification letters, Loan Estimates, Closing Disclosures, and all documents related to the closing of real estate loans
  11. Perform other duties as assigned

Position: Full Time M-F
Required: Real Estate loan underwriting experience
Location: Sunnyside, WA

Branch Receptionist

Purpose

Project a positive image as representative for the credit union in receiving members, potential members, visitors and guests. Answer telephones, process over the phone transactions, answer questions, process mail, and perform various administrative and clerical duties as assigned.

Duties and Responsibilities

  1. Receive and respond to visitors and guests to the credit union in a prompt and professional manner. Coordinate follow through so visitor and guest needs are met promptly.
  2. Answer telephone, disseminate information or resolve questions, process simple transactions, and/or route calls to appropriate individual. Monitor calls to ensure there is prompt follow through.
  3. 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.
  4. Process and distribute mail, interoffice correspondence, and coordinate deliveries with appropriate department.
  5. Provide administrative and clerical support to branch personnel as requested.
  6. Utilize credit union procedures and computer applications to respond to member inquiries in an efficient manner.
  7. Serve as security gate keeper for access to the Corporate offices to include verifying appointments, asking vendors for identification until identity is known, maintaining key fob check-out system, notifying upstairs Executive Assistant of identity of person(s) in route to the 2nd floor, and watching for their return to the main floor and retrieving the key fob.
  8. Maintain the schedule of the Conference Room to include verification checklist for non-credit union initiated activities, key fob programming, check-out and retrieval, and posting to master schedule.
  9. Provide ongoing environmental checks of the entry, lobbies, hospitality, electronic services, children’s area, conference room, public restrooms and other 1st floor areas to ensure areas are clean, orderly, and properly stocked.
  10. Actively support member usage in the electronic area by training and assisting as needed.
  11. Prior to opening each day check the Coin Sorter to verify there are sufficient bags available for all currency, adequate receipt paper, and that the machine is functioning properly. Take action as warranted prior to credit union opening.
  12. Other duties as assigned.

Position: Full Time M-F
Location: Yakima, WA

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

Application