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

Kiosk Loan Officer

Description

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

Mortgage Loan Officer II/Senior

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

Accounting Clerk

Description

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.

Requirements

  • Perform a variety of activities to assist the manager in maintaining the financial, statistical, and accounting records of the credit union.
  • 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.
  • 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.
  • 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.
  • Assist with share drafts in encoding errors, late returns, and other problems. Batch checks in numerical order, indicating missing stubs.
  • Journalize all necessary transactions and make sure everything is in balance.
  • Review and enter employee expenses into the general ledger.
  • Post some general ledger entries and proof totals with the general ledger system. File and store general ledger journals daily.
  • Prepare accounts payable checks after receiving proper authorization.
  • Maintain FED Line by wiring money to/from Federal Reserve, verifying outgoing wires, daily roll-over, and reconciling Federal Reserve Account.
  • Reconcile credit card statements and share draft statements.
  • Maintain working knowledge of various accounting software programs.
  • Perform other duties as assigned.

Job Type – Full-Time

Education – AA/Certificate with 2 years of related experience

IT Specialist

Lower Valley Credit Union is looking for a tech savvy individual who can join our growing credit union team. This individual will be responsible for the install, upgrade, and maintenance of computer software, hardware, and peripheral equipment throughout the organization. Additionally, this individual will be responsible for coordinating technology needs with outsourced vendors for efficiency and cost-effectiveness, and in assisting LVCU management in researching, planning, and implementing new technologies throughout the organization to improve member access and staff efficiency.

Requirements

  • Experience with Data Migration and Conversion
  • Serve as a technical resource in all IT areas to entire organization
  • Be extremely knowledgeable with a PC computer, Windows operating systems, JavaScript, and excellent with Microsoft Office; Word, PowerPoint, and Excel
  • Software technical support experience, application support, and software installation
  • Experience with TCP/IP networking knowledge, and LAN skills
  • Experience in technical problem resolution, integration, support and training
  • Ability to prioritize and to handle multiple projects from various managers
  • Excellent verbal and written communications skills along with team workgroup skills
  • Additional coding based skills is a plusJob Type – Full-Time
    Education/Experience – IT/Technology based Degree or Certification or 2 years experience
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

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

Member Services Representative I

Purpose
Serve as a liaison between the member and the credit union. Provide account information by phone or in person, as well as information on the full range of credit union products and services. Open accounts for member, interview, and professionally handle the member’s daily needs. Provide a variety of transaction services to members.

Duties and Responsibilities

  1. Greet and welcome members and visitors to the credit union in a professional manner. Represent the credit union in a courteous and professional manner and provide prompt, efficient, and accurate service in the processing of transactions.
  1. Provide in-person and by-telephone general and specific service-related information concerning credit union products or policies.
  1. 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.
  1. May respond to email or other electronic requests submitted by members, again providing professional, prompt, efficient, and accurate service and information.
  1. Respond to members’ requests, problems, and complaints, resolving issues, and/or directing them to the appropriate person for specific information and assistance.
  1. Open new accounts and service existing accounts. Set up new account files, and provide members with all necessary information for membership.
  1. Handle requests from members for transfers of shares to loan payments, share withdrawals, check requests, CD transactions, line of credit advances, and any other requests received from members.
  1. Promote credit union products and services based on member needs that are obtained from member interviews and /or review of member’s account. Actively cross-sell products.
  1. Process member mail transactions.
  1. Mail receipts and checks to members as indicated by policy and procedure.
  1. Provide information on investment alternatives to members wishing to deposit funds with the credit union.
  1. Research accounts for deposit, withdrawal, and loan-payment discrepancies.
  1. Assist member in balancing their accounts.
  1. Assist members with the proper completion of payroll deduction and direct deposit paperwork.
  1. Assist members in opening individual retirement accounts.
  1. Performs other duties as assigned.

Job Type – Full-Time
Location – Yakima
Experience – Experience preferred but not required
3 Positions Available

Member Services Representative II

Purpose

Serve as a liaison between the member and the credit union. Provide account information by phone or in person, as well as information on the full range of credit union products and services. Open accounts for member, interview, and professionally handle the member’s daily needs. Provide a variety of transaction services to members including loan processing, closing and disbursal. May lead the activities of other Member Service Representatives

Duties and Responsibilities

  1. Greet and welcome members and visitors to the credit union in a professional manner. Represent the credit union in a courteous and professional manner and provide prompt, efficient, and accurate service in the processing of transactions.
  1. Provide in-person and by-telephone general and specific service-related information concerning credit union products or policies.
  1. Ensure that you and employees you lead are in compliance with all federal and state laws as well as the Bank Secrecy Act, the Patriot Act and other regulations.
  1. May respond to email or other electronic requests submitted by members, again providing professional, prompt, efficient, and accurate service and information.
  1. Respond to members’ requests, problems, and complaints, resolving issues, and/or directing them to the appropriate person for specific information and assistance. May handle more complex questions and problems for other Member Service Representatives.
  1. Open new accounts and service existing accounts. Set up new account files, and provide members with all necessary information for membership.
  1. Handle requests from members for transfers of shares to loan payments, share withdrawals, check requests, CD transactions, line of credit advances, and any other requests received from members.
  1. Process, close and disburse loans.
  1. Conduct orientation interviews on credit union services and programs with each new credit union member.
  1. Promote credit union products and services based on member needs that are obtained from member interviews and /or review of member’s account. Actively cross-sell products.
  1. Up-to-date and comprehensive knowledge on all credit union products and services that are handled or promoted by Member Service Representatives. Up-to-date and comprehensive knowledge on all related policies and procedures, rules and regulations.
  1. Provide information on investment alternatives to members wishing to deposit funds with the credit union.
  1. Research accounts for deposit, withdrawal, and loan-payment discrepancies.
  1. Assist member in balancing their accounts.
  1. Assist members in opening individual retirement accounts.
  1. Performs other duties as assigned

Job Type – Full-Time
Experience – Experience preferred but not required

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

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