• Reports to CFO

    Summary The Assistant Manager

    – Accounting will assist the Chief Financial Officer with responsibility for the daily oversight and management of the Accounting Department. Key objectives of the position include successful management and training of the daily activities of the Accounting Department staff to deliver expected results as outlined by American Partners Federal Credit Union’s strategic plans and direction; foster and promote a positive, collaborative culture across his or her team and all other departments and teams across the credit union.

    Essential Functions

    Lead the credit union's Accounting and Deposit Operations teams consistent with strategic initiatives, rules and regulations.

    To be effective, an individual must be able to perform each essential duty successfully. • Assists the department and oversee assigned department functions to help ensure normal functioning of the department.

    • Assists to establish performance goals and measures to ensure quality service standards are met and exceeded.

    • Assists to train, supervise and evaluate direct reports to promote quality service, accuracy and efficiency throughout the department.

    • Assists with interviewing and hiring employees; plan, assign and direct work; appraise performance in timely fashion; reward and discipline employees in a timely fashion; address escalated complaints and resolve problems.

    • Assists in timely preparation of reports to reflect the financial position of the credit union

    • Assists in the development of procedures for new accounting projects to facilitate the flow of work within the department.

    • Reviews reconciliations of general ledger accounts completed by department employees to ensure proper use of accounting principles.

    • Makes adjusting and/or correcting entries to accounting records to maintain accuracy in the accounting records.

    • Enhances the automation of the accounting department through effective use of available technology.

    • Resolve discrepancies by checking all possible sources of disagreement, reconstructing probable actions, and recognizing the effect on other accounts; prepare correction documents as required • Work with Accounts Payable: A/P invoice matching & filing, vendor invoices and disbursement filing

    • Overall accounting: help with G/L account reconciliation and month-end closing, other ad hoc projects

    • Assist with loan portfolio reports, communications and special projects.

    • Knowledge of credit union products and services, sufficient to identify and assist with member and prospect needs; conduct sales/service dialogue with current and potential members.

    • Display and foster a spirit of collaboration and team-oriented communication by establishing and maintaining positive working relationships across all levels of the credit union including peers, the branch network, support staff departments and senior management.

    • Promotes and establishes strong, positive, and productive working relationships within the organization through communication and a commitment to the company’s vision statement, core values, and business principles.

    • Successful completion of in-house training programs within one year, or other established time frame, of accepting the position.

    • Performs other duties as assigned

    Performance Measurements:

    • Maintains effective communication and high-performing, cross-functional partnerships with senior-level executives, business lines, and internal members through positive influence.

    • Ensure the department meets established goals

    • Has fun and recognizes team members and members.

    • Assist CFO to establish and achieve management development objectives and goals for all staff Education and Experience

    • BA or BS/BA in Accounting or related field preferred

    • Five to seven years similar or related experience.

    • Equivalent to a college degree (AA or BA/BS in a relevant field).

    Other Skills and Abilities

    • In-depth knowledge and experience in accounting and Automated Clearing House (ACH) processing.

    • Exceptional interpersonal and oral communication skills. • Strong technical skills. Fiserv core system XP2 experience highly desired.

    • Strong knowledge and experience in all MS Office Suite products including Excel spreadsheets; reporting, financial analysis, process mapping and designing for efficiency improvements.

    Supervisory Responsibility

    This position will supervise employees and members of the accounting department.

    Work Environment

    While performing the duties of this job, the employee is regularly exposed to an indoor office setting with moderate noise. Most roles require working in an office setting with moderate noise and the ability to lift 25 pounds.

    Travel

    Ability to travel to various worksites and on-call may be required. Some overnight travel may be required.

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  • Reports to COO

    Summary

    The Vice President, Consumer Lending is responsible for the growth of the Credit Union’s consumer and home equity loan portfolios by creating a frictionless member experience and through operational excellence in all facets of the loan origination cycle. This position is also responsible for providing management and leadership to staff responsible for originating, processing, underwriting, funding, and servicing various types of consumer and home equity loans. In addition, this position will ensure compliance with credit union lending policy; assists in development of lending policy; and manages lending activity to meet credit union goals and objectives. This role is also responsible for directing and administration of the collections department to ensure the credit union meets established goals and objectives with respect to collections.

    Essential Functions

    Will work diligently to protect the assets of the Credit Union, minimize losses, define objectives, measure, and track operational and financial performance, set performance goals and priorities and determine strategies to improve overall operational performance within the department.

    • Responsible for driving organizational loan growth and member loyalty within established goals and objectives.

    • Provides leadership and strategic direction to all areas of responsibility including origination, processing, underwriting, closing/funding, and servicing.

    • Responsible for optimizing the systems that support these functional areas.

    • Responsible for creating, establishing, and monitoring various consumer and home equity lending products and programs, to include but not limited to, Unsecured Loans, Auto Loans, Credit Cards, Student Loans, and Home Equity Lines of Credit (HELOCs). To include establishing underwriting standards and obtaining goals and objectives through appropriate credit risk management policies and procedures consistent with the Credit Union’s philosophy, policies and criteria. Develops and recommends changes to risk models, underwriting standards, programs, policies and procedures as appropriate.

    • Directs the administration of the Collection Department and Credit Risk Management through the Collections Manager to monitor, identify, and mitigate emerging risk trends within the consumer and home equity loan portfolios.

    • Promotes high levels of member service and satisfaction through Credit Union channels responsible for Consumer Lending production including Branch Operations and the Member Services.

    • Actively sponsors member service and process improvements on an ongoing basis. • Supervises, motivates, educates, coaches, and evaluates the performance of the positions reporting to the incumbent.

    • Develops and implements plans, strategies, expense budgets, policies, and procedures, and maintains compliance with all applicable laws and regulations pertaining to consumer lending and home equity lending.

    • Conveys a professional leadership image that projects the Credit Union’s guiding principles and promotes enthusiastic teamwork that acts as a catalyst for organizational success.

    • Responsible for establishing and maintaining vendor relationships related to Consumer Lending, and Home Equity products and services. • Provide outstanding service to every credit union member.

    • Develops, proposes, gains acceptance for and implements consumer lending program policy and strategy; leads activity related to new product development with respect to consumer lending programs.

    • Works collaboratively with managers, supervisors, and staff involved in the origination, fulfillment and servicing of consumer loans, to ensure accurate, responsive, and timely review, processing, underwriting, and funding of loans. Will work with staff to maximize service levels by reducing or eliminating unnecessary processes and documentation, while enhancing communications and timely follow through.

    • Proactively encourages, develops, and implements the streamlining of work processes and elimination of unnecessary steps by and through the use of automation whenever possible.

    • Takes an active role in creating a team vision that includes an innovative process design with a focus on optimized process flow and management.

    • Directs outside Credit Union partners such as credit bureau, vehicle title service, income verification providers and insurance companies. Will review the effectiveness of Credit Union partners and make recommendations as appropriate.

    • Recommends, monitors, and manages the operating budget for areas supervised including any third-party related expenses, ensuring that expenses are maintained within the annual business plan and department goals.

    • Leads and directs the work of others; Sets goals, counsels, trains, educates, and holds staff accountable to department standards and goals, including member service standards for response time and follow through on phone calls, emails, etc. Guides staff in resolving difficult situations by determining the most effective method for maximizing benefit for the members and the Credit Union.

    • Ensures compliance with rules and regulations as well as Credit Union policies and procedures concerning the origination and servicing of consumer loans.

    • Interact, as needed, with Credit Union auditors and regulators to provide data, explanation, and confirmation of compliance with Credit Union lending requirements.

    • Analyzes, creates, and identifies reports and data needed to make proactive business decisions.

    • Monitors product pricing and profitability to make recommendations on product focus to ensure maximum return.

    • Coordinates and oversees the administration of the consumer loan origination system.

    • Offer a strategic vision and maintain a current understanding of industry trends, innovations, and member experiences in order to meet current and future member needs.

    • Serves as a member of the Senior Management Team

    • Serves as a member of the Asset/Liability Committee to develop operating procedures that assure the credit union maintains sufficient levels of capital, liquidity, and pricing spreads.

    • Serves as a member of the Compliance Committee

    • Serves as a member of the Delinquent Loan Committee Performs other job-related duties as assigned.

    Performance Measurements:

    • To maintain a highly qualified staff, sufficient to meet the daily consumer lending demands for members.

    • Provide outstanding service to internal and external members as defined by the credit union’s service standards and promises.

    • Ensure the department meets loan goals

    • Ensure that all consumer lending activity is within established policies and guidelines

    • Keep management informed regarding key operational issues affecting the department

    • Completes performance reviews within prescribed time frame

    • Establish and achieve management development objectives and goals for individual managers

    • Maintain knowledge with training

    Education and Experience

    • Eight to ten years similar or related experience.

    • Equivalent to a college degree (BS or BA in a relevant field).

    • The ability to motivate or influence others is a material part of the job, requiring a significant level of diplomacy and trust.

    • Obtaining cooperation (internally and/or externally) is an important part of the job and a high level of interpersonal skills are critical to the success of this position.

    • Work frequently involves contacts requiring considerable discussion of problems, material presentations, and resolving issues impacting departments or divisions.

    OTHER SKILLS AND ABILITIES:

    • Requires substantial knowledge of consumer lending and home equity lending, including personal lines of credit, credit cards, direct auto lending programs, home equity loan programs, credit scoring, credit prescreening, DMV, collateral protection insurance, risk management, portfolio analysis, and product marketing.

    • Ability to monitor and analyze changes in the consumer lending marketplace and develop and implement appropriate short and long-term business solutions.

    • Knowledge of Credit Union operations and ability to integrate and communicate critical information.

    • Strong management, leadership, coaching, and mentoring skills to effectively develop, challenge, and motivate staff.

    • Excellent written and verbal communication skills. • Organized, self-starter, innovative and team oriented.

    • Effective human relations skills in order to maintain positive and productive working relationships with all APFCU departments.

    • Committed to the credit union’s Mission and Vision Statements, and Core Values.

    • Attends meetings with peers, participates in in-house training, self-studies, participates in outside seminars, conferences and classes and participates in professional associations, including after-hours events.

    Supervisory Responsibility

    This position will supervise employees and members of the consumer management team.

    Licenses and Certifications

    At the time of employment, or shortly thereafter, must have and maintain a registration with the Nationwide Multistate Licensing System (NMLS), North Carolina notary

    Work Environment

    While performing the duties of this job, the employee is regularly exposed to an indoor office setting with moderate noise. *Most roles require working in an office setting with moderate noise and the ability to lift 25 pounds.*

    Travel

    Ability to travel to various worksites and on-call may be required. Some overnight travel may be required.

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  • Reports to COO or VP Operations

    Summary

    The Collections Specialist will ensure that the credit and collection policies and procedures of the credit union best serve the credit union and its members. This role will optimize collections on accounts while balancing the goodwill of our members with the overall business interests of the credit union. This position will ensure strict compliance with state and federal credit collection rules and regulations in all collection practices. In addition, this position will be responsible for ensuring the credit union meets established goals and objectives with respect to collections.

    Essential Functions

    • Ensure that credit and collection policies, procedures, practices, and documentation meet federal and state regulations.

    • Establish and monitor effective control procedures for late and/or delinquent or potentially delinquent loans. Determine when to charge to reserve.

    • Monitor payments for late and/or delinquency status. Follow up on delinquent, high-balance, and overdue credit balance accounts by letter and/phone. Home visits may be made on occasion. Ensure courteous, considerate, and professional interface with members at all times.

    • Contact high-balance and/or delinquent members by telephone and mail to determine the reasons for balance or delinquency and assist them in developing plans to bring accounts to a current status. Develop workout plans and collect on overdue accounts wherever possible.

    • Review accounts where action beyond routine collection procedures must be approved or implemented. Handle complex situations. Resolve difficult or nonroutine member issues.

    • Process all correspondence for collections department, ensuring accuracy of work.

    • Process or supervise mailing of payment notices, ensuring that credit union errors are detected promptly and are corrected.

    • Provide members with a complete explanation of the loan’s status as requested.

    • Review all billings from attorneys retained for collections work. • Notify co-signers regarding status of delinquent accounts.

    • Update and maintain files and system accounts via the credit union’s delinquent loan recovery system.

    • Maintain detailed written records of all communications regarding delinquency.

    • Secure credit bureau reports. Perform skip tracing duties on loan accounts as required. Maintain accurate data for repossession log, bankruptcy filings, chargeoff lists, etc.

    • Determine when to compromise and settle outstanding balances and when to initiate foreclosure or repossession proceedings.

    • Research payroll deductions and changes as they may affect the status of a loan repayment.

    • Assist members with delinquent real-estate loans to resolve delinquency.

    • Determine when loan collateral should be repossessed and serve as liaison with attorneys or agencies in handling repossession of collateral.

    • File all claims, attend hearings, and coordinate with trustees for all bankruptcy filings.

    • Investigate and correct discrepancies in loan applications and credit bureau reports. • Authorize legal proceedings. Review default notices, surrender notices, bankruptcy procedures, foreclosure notices, etc. for accuracy and completeness.

    • Review all accounts that are to be written off as uncollectible.

    • Develop and review accurate reporting procedures on collection activities. Prepare and analyze reports for senior management and/or the Board of Directors.

    • Establish and maintain effective employee relations.

    • Maintain knowledge of credit union products and services, sufficient to identify and assist with member and prospect needs; conduct sales/service dialogue with current and potential members.

    • Assist in preparing, implementing, and supervising the budget for the department that is consistent with the overall strategic plan and budget of the credit union.

    Performance Measurements:

    • Provide outstanding service to internal and external members as defined by the credit union’s service standards and promises.

    • Establish and achieve development objectives and goals for the department.

    • Ensure the collection department reaches or exceeds the credit union’s established delinquency recovery goals.

    • Ensure that all collection activity is within established policies and guidelines.

    • Keep management informed regarding key operational issues affecting the department.

    • Successful completion of in-house training programs within one year, or other established time frame, of accepting the position.

    • Maintain knowledge with ongoing training. 

    Education and Experience

    • Five to seven years of similar or related experience.

    • Equivalent to a college degree (BS or BA in a relevant field). The ability to motivate or influence others is a material part of the job, requiring a significant level of diplomacy and trust. Obtaining cooperation (internally and/or externally) is an important part of the job and a high level of interpersonal skills are critical to the success of this position. Work frequently involves contacts requiring considerable discussion of problems and resolving issues impacting departments or divisions.

    Other Skills and Abilities:

    • Knowledge of Credit Union operations and ability to integrate and communicate critical information.

    • Strong leadership, coaching, and mentoring skills to effectively develop, challenge and motivate other collection department staff.

    • Excellent written and verbal communication skills.

    • Organized, self-starter, innovative, and team-oriented.

    • Effective human relations skills in order to maintain positive and productive working relationships with all APFCU departments.

    • Committed to the credit union’s Mission and Vision Statements, and Core Values.

    Work Environment

    While performing the duties of this job, the employee is regularly exposed to an indoor office setting with moderate noise. *Most roles require working in an office setting with moderate noise and the ability to lift 25 pounds*.

    Travel

    Ability to travel for member home visits and for representing the credit union during legal proceedings.

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  • Reports to: Frontline and Facilities Manager

    Summary:

    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. Provide a variety of transactional services to members. Assist members in resolving issues, and professionally handle members’ daily needs. Travel to and work at other branches, as needed.

    Essential Functions:

    • Greet and welcome members and visitors to the credit union in a professional manner. Provide prompt, efficient, and accurate service in the processing of transactions.

    • Receive share drafts/checks and cash for deposits to accounts, verify amounts, examine share drafts/checks for proper endorsement, and enter deposits into computer records.

    • Cash share drafts/checks and process withdrawals; pay out money after verification of signatures and member balances.

    • Process member mail transactions.

    • May respond to email or other electronic requests submitted by members, again providing professional, prompt, efficient, and accurate service and information.

    • Maintain up-to-date comprehensive knowledge on all credit union products and services that are handled or promoted by MSRs. Maintain an up-to-date and comprehensive knowledge on all related policies and procedures, rules, and regulations for the MSR area, including robbery procedures.

    • Receive loan and credit card payments, and ensure payments match balances due. Enter payments into computer and generate member receipts.

    • Placed hold on accounts for uncollected funds.

    • Count, check, and package coins and currency.

    • Balance cash drawer at the end of the shift and compare totaled amounts to computergenerated totals. Research and resolve discrepancies. Report any discrepancies to supervisor as necessary.

    • Answer telephone to assist members with questions or concerns about their accounts.

    • Ensure that station is properly stocked with forms, supplies, brochures, etc.

    • Report malfunctions of computers and other equipment used in MSR area.

    • Check night depository bags and record proper information according to credit union procedures.

    • Respond to members’ requests, problems, and complaints, and/or direct them to the appropriate person for specific information and assistance.

    • Service existing accounts, including changing/updating addresses and telephone numbers, and adding/removing legal owners.

    • Provide all necessary information for membership.

    • 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.

    • Promote and cross-sell credit union products and services such as consumer and mortgage loans, IRAs, certificates, debit and credit cards, on-line banking, gift and travel cards, cashier’s checks, and money orders.

    • Place check orders for members.

    • Perform Shared Branching transactions for members and non-members.

    • Perform switchboard duties as needed.

    • Mail receipts and checks to members as indicated by policy and procedure.

    • Provide information on investment alternatives to members wishing to deposit funds with the credit union.

    • Research accounts for deposit, withdrawal, and loan-payment discrepancies.

    • Physical requirements may include light lifting and walking to and from the drive-thru window and/or the switchboard.

    Education and Experience:

    • High school diploma or GED.

    • Cash-handling experience.

    • Previous experience as a teller highly desirable.

    Skills and Abilities:

    • Detail-oriented with excellent organization skills.

    • Pleasant and professional communication skills, both verbal and written.

    • Ability to function well with others to contribute to the effectiveness of the team.

    Work Environment:

    • While performing the duties of this job, the employee is regularly exposed to an indoor office setting with moderate noise levels and the ability to lift 25 pounds.

    • Travel to other branches may be required to fill-in when there is a staffing shortage or as needed in another capacity.

    Apply for this job

  • Reports to: Frontline and Facilities Manager

    Summary:

    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 members, interview and professionally handle the members’ daily needs. Provide a variety of transactional services to members. Assist members in resolving issues. Travel to and work at other branches, as needed.

    Essential Functions:

    • Greet and welcome members and visitors to the credit union in a professional manner. Represent the credit union to members in a courteous and professional manner and provide prompt, efficient, and accurate service in the processing of transactions.

    • Provide in-person and by-telephone general and specific service-related information concerning credit union products or policies.

    • Receive share drafts/checks and cash for deposit to accounts, verify amounts, examine share drafts/checks for proper endorsement, and accurately enter deposits into computer records.

    • Process withdrawals from accounts, verify amounts, and enter withdrawals into system accurately. Cash share drafts/checks from a variety of accounts upon proper verification according to credit union policies and procedures.

    • Process member mail transactions.

    • Place hold on accounts for uncollected funds.

    • Count, check, and package coin and currency.

    • Sell, promote, cross-sell credit union products and services such as consumer and mortgage loans, IRAs, certificates, debit and credit cards, on-line banking, gift and travel cards, cashier’s checks, and money orders.

    • Answer telephone to assist members with questions or concerns about their accounts.

    • Check night depository bags and record proper information to credit union procedures.

    • Balance cash drawer at the end of shift and compare totaled amount to computergenerated proof sheet. Research and resolve discrepancies. Report any discrepancies to the supervisor as necessary. May help other tellers research and resolve discrepancies.

    • Ensure that the MSR station is properly stocked with forms, supplies, brochures, etc.

    • Receive mortgage, consumer loan, and other payments and ensure the payments match balances due. Enter payments into computer.

    • Report malfunctions of teller terminals and other equipment used at the MSR station to supervisor.

    • May respond to email or other electronic requests submitted by members, again providing professional, prompt, efficient, and accurate service and information.

    • 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.

    • Open new memberships and accounts. Set up new account files and provide members with all necessary information for membership.

    • Service existing accounts, including changing/updating addresses and phone numbers, and adding/removing legal owners.

    • Place check orders for members.

    • 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.

    • Perform Shared Branching transactions for members and non-members.

    • Perform vault teller duties, which include balancing the vault daily; buying and selling cash to and from tellers; ordering and shipping coin and currency to and from the branch; ordering and maintaining gift and travel card inventory; ordering and maintaining an adequate supply of new checking account kits.

    • Serve as backup for switchboard as needed.

    • Conduct orientation interviews on credit union services and programs with each new credit union member.

    • 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.

    • Maintain up-to-date and comprehensive knowledge on all credit union products and services that are handled or promoted by MSRs. Maintain up-to-date and comprehensive knowledge of all related policies and procedures, rules, and regulations.

    • Provide information on investment alternatives to members wishing to deposit funds with the credit union.

    • Research accounts for deposit, withdrawal, and loan-payment discrepancies.

    • Assist members in balancing their accounts.

    • Assist members in opening IRA accounts. Perform IRA transactions such as withdrawals, contributions, beneficiary designations, and payment elections. Complete proper paperwork in IRA Direct/Ascensus.

    • Physical requirements may include lifting heavy bags of coin (when performing vault teller duties), light lifting, and walking to and from the drive-thru window.

    Education and Experience:

    • High school diploma or GED

    • 2-4 years previous teller experience required

    • Vault teller experience preferred

    Skills and Abilities

    • Detail-oriented with excellent organizational skills

    • Pleasant and professional communication skills, both verbal and written

    • Ability to function well with others to contribute to the effectiveness of the team.

    Work Environment:

    • While performing the duties of this job, the employee is regularly exposed to an indoor office setting with moderate noise levels and the ability to lift 25 pounds.

    • Travel to other branches may be required to fill in when there is a staffing shortage or as needed in another capacity.

    Apply for this job