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 - Prosser

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.

Job Requirements

  • High school diploma or equivalent required, Associates degree preferred
  • Minimum of 1-year banking or mortgage experience as a Loan Officer or Processor
  • Working knowledge of Fannie Mae guidelines desired
  • Proficient in Excel, Word, Outlook, with the ability to learn other mortgage-related programs
  • Excellent written and verbal communication skills
  • Excellent organizational and time management skills
  • Demonstrated ability to interact effectively with branch personnel as well as realtors, sales agents, appraisers, title companies, etc.

Loan Officer I - Pasco

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.

Job Requirements

  • High school diploma or equivalent required, Associates degree preferred
  • Minimum of 1-year banking or mortgage experience as a Loan Officer or Processor
  • Working knowledge of Fannie Mae guidelines desired
  • Proficient in Excel, Word, Outlook, with the ability to learn other mortgage-related programs
  • Excellent written and verbal communication skills
  • Excellent organizational and time management skills
  • Demonstrated ability to interact effectively with branch personnel as well as realtors, sales agents, appraisers, title companies, etc.

Mortgage Loan Processor

Position Description
Assist Mortgage Underwriters in processing applications to provide timely and accurate closings. Assembles, validates, and verifies the accuracy and completion of all loan documentation necessary for closing loans. Answers routine questions regarding the loan process. Ensures compliance with state and federal lending laws.

Duties and Responsibilities

  1. Communicate with loan officers to ensure that all stipulations are included in the loan file.
  2. Maintains communication with customers throughout the loan process, assisting them with any questions and notifying them of any additional requirements.
  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. Mail or e-mail loan applications and/or information to members and prospective members.
  5. As applicable, orders appraisals, title, verification’s, and any other items required for loan approval; conducts regular follow-ups with outside sources regarding outstanding documents.
  6. Generate Loan Estimates, Closing Disclosures, and all documents related to the closing of Real Estate loans.
  7. 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.
  8. Reviews all disclosures for completeness and compliance.
  9. Administrative duties as well including making and receiving phone calls, filing, copying and faxing.
  10. Escalate issues and uncertain questions to Mortgage Supervisor.
  11. Other duties as required.

Job Requirements

  • High school diploma or equivalent required, Associates degree preferred
  • Minimum of 1-year banking or mortgage experience as a Loan Officer or Processor
  • Working knowledge of Fannie Mae guidelines desired
  • Proficient in Excel, Word, Outlook, with the ability to learn other mortgage-related programs
  • Excellent written and verbal communication skills
  • Excellent organizational and time management skills
  • Demonstrated ability to interact effectively with branch personnel as well as realtors, sales agents, appraisers, title companies, etc.

Job Type – Full-Time

Part Time Kiosk Rep - Sunnyside

Description
Provide information and customer service concerning the credit union and its products and services to credit union members, ensuring the highest quality of member service.

Requirements
1. Serve membership by providing service and information in a pleasant, professional, and efficient manner via telephone or correspondence.
2. Continuously check member service voice mail and reply to these calls accordingly.
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. Research and solve routine member questions, problems, and complaints concerning credit union accounts.
5. Verify accounts, open/close accounts, accept loan applications, process stop payments on share draft accounts, order cards, and answer questions regarding share accounts, share drafts, VISA cards, ATM cards, IRAs, etc.
6. Cross-sell credit union products and services when appropriate.
7. Assist members with basic questions regarding their loans.
8. Assist members with remote access.
9. Mail, fax, or email new member applications, loan applications and/or information to members and prospective members.
10. Responsible for researching member inquiries to ensure proper follow up and satisfaction.
11. Ensure that all credit union member and employee related business is kept in the strictest confidence.
12. Treat all credit union members and employees with a positive and cooperative attitude.
13. Perform other duties as assigned.

Position: Part-time
Location: Sunnyside Kiosk – Fiesta Foods

Member Service Representative I - Yakima

Position Description
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.
2. Provide in-person and by-telephone general and specific service-related information concerning credit union products or policies.
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. May respond to email or other electronic requests submitted by members, again providing professional, prompt, efficient, and accurate service and information.
5. Respond to members’ requests, problems, and complaints, resolving issues, and/or directing them to the appropriate person for specific information and assistance.
6. Open new accounts and service existing accounts. Set up new account files, and provide members with all necessary information for membership.
7. 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.
8. 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.
9. Process member mail transactions.
10. Mail receipts and checks to members as indicated by policy and procedure.
11. Provide information on investment alternatives to members wishing to deposit funds with the credit union.
12. Research accounts for deposit, withdrawal, and loan-payment discrepancies.
13. Assist member in balancing their accounts.
14. Assist members with the proper completion of payroll deduction and direct deposit paperwork.
15. Assist members in opening individual retirement accounts.
16. Performs other duties as assigned.

Job Type – Full-Time
Must be Bilingual – Spanish and English

Picture of employment application

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