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Description:
CIVIC CULTUREOur organization believes we can all do well by doing good. We value the contributions of diverse minds and prioritize the success and well-being of our employees. We also believe every person in our organization plays a role in supporting a healthy environment and helping to achieve our goal of prosperity for all. To this end, we recruit bright, energetic, and talented people to be members of our team. In return, we offer a dynamic workplace that presents opportunities for professional advancement and individual growth. We strive to always display integrity, self-awareness, courage, and respect for one another while continuing to seek opportunities to learn. We really believe that when our employees succeed, our community wins.&nbsp; ABOUT THE POSITIONThe Senior Loan Payments Processor is responsible for the accurate and timely processing of all physical loan payments received for consumer loan products, including credit cards, HELOCs, personal loans, and first mortgages. This role also manages the daily processing and reconciliation of lockbox payment files from external vendors, ensuring funds are properly applied to member accounts. The Senior Loan Payments Processor serves as the subject matter expert in researching complex payment issues, handling returned or misapplied payments and coordinating loan payoffs and lien releases in partnership with Loan Operations and Collateral Management. This position ensures the integrity of loan servicing data and plays a critical role in maintaining accurate loan records and a smooth member experience behind the scenes. NORMAL DAY-TO-DAY WORK<ol><li>Accurately process all incoming physical loan payments for consumer loans, including mortgage, HELOC, credit card, and installment loan products.</li><li>Download and reconcile daily lockbox payment files from third-party processors; validate, post, and audit payment batches in the core system.</li><li>Research and resolve payment exceptions, misapplications, or discrepancies by reviewing payment history, loan terms, and account status.</li><li>Coordinate with Loan Operations and Collateral Management to ensure timely processing of loan payoffs and releases, including validation of balances and lien release triggers.</li><li>Prepare and verify payoff statements upon request and ensures they reflect correct interest accruals, fees, and escrow balances where applicable.</li><li>Monitor and respond to returned items or failed payment transactions, initiating corrections or follow-up actions as needed.</li><li>Maintain and archive all supporting documentation related to physical payments, lockbox batches, adjustments, and reconciliations in accordance with internal audit and compliance policies.</li><li>Escalate system or process anomalies to the Consumer Loan Operations Manager and assist in developing solutions to reduce recurring issues.</li><li>Participate in updating or maintaining departmental procedures, job aids, and payment-related documentation standards.</li><li>Provide training or guidance to junior staff and assists with escalated or complex payment servicing matters.</li><li>Support reconciliation of loan payment general ledger accounts and work with Accounting or Finance to resolve variances.</li><li>Act as a backup for other functions in the loan payments area during high-volume periods or staff absences.</li><li>Take ownership for actions, decisions, and results; openly accept feedback and demonstrate both the willingness and ability to improve.</li></ol> JOB QUALIFICATIONSHere are a few skills you MUST have to be qualified for this position.<ol><li>4 – 6 years of experience in loan payment processing, loan servicing, or back-office operations in a credit union, bank, or financial institution.</li><li>In-depth knowledge of consumer loan payment application, including amortizing and revolving loans, and HELOC and mortgage payment schedules.</li><li>Experience with lockbox file processing and reconciliation of third-party batch payments.</li><li>Familiarity with payoff calculation, loan closure workflows, and collateral/lien release coordination.</li><li>Strong technical proficiency in core banking and loan servicing systems, with high attention to accuracy and timeliness.</li><li>Excellent organizational and analytical skills to research payment issues and complete timely resolutions.</li><li>Ability to communicate clearly and professionally with internal partners and escalate complex issues when appropriate.</li><li>Ability to function in a Consumer business office environment and utilize standard office equipment including but not limited to: PC, copier, telephone, etc.</li><li>Ability to lift a minimum of 25 lbs. (file boxes, computer).</li><li>Travel required on occasion.</li></ol>Here are a few qualities we’d LIKE for you to have to make you more suited for this position.<ol><li>Experience using DNA (Fiserv), or similar loan servicing systems.</li><li>Working knowledge of lockbox platforms or remittance processing vendors.</li><li>Understanding of loan-related GL accounts and reconciliation practices.</li><li>Familiarity with lien perfection, vehicle title systems, or county recording processes.</li><li>Bilingual (Spanish) is a plus.</li></ol> CONTACT USIf you have questions about this position description, please feel welcome to ask. You can reach our HR Department at:&nbsp;Civic Human Resources3600 Wake Forest Road, Raleigh, NC 27609&nbsp;<a href="mailto:careers@civicfcu.org" target="_blank">careers@civicfcu.org</a>

Requirements:
 PI278062178

Local Government Federal Credit Union

Senior Loan Payments Processor

Description:
CIVIC CULTUREOur organization believes we can all do well by doing good. We value the contributions of diverse minds and prioritize the success and well-being of our employees. We also believe every person in our organization plays a role in supporting a healthy environment and helping to achieve our goal of prosperity for all. To this end, we recruit bright, energetic, and talented people to be members of our team. In return, we offer a dynamic workplace that presents opportunities for professional advancement and individual growth. We strive to always display integrity, self-awareness, courage, and respect for one another while continuing to seek opportunities to learn. We really believe that when our employees succeed, our community wins.&nbsp; ABOUT THE POSITIONThe Home Equity Line of Credit (HELOC) Loan Processor is responsible for managing all post-approval processing activities required to move Home Equity Line of Credit (HELOC) applications toward closing. This includes communicating with members to collect stipulations, ordering and reviewing property-related due diligence, validating title and insurance documentation, and coordinating internally to ensure loans are ready for document generation and funding. This position is critical to ensuring lien perfection, regulatory compliance, and timely closings. The HELOC Loan Processor supports both digital and branch-referred HELOC applications within a centralized loan fulfillment model and works closely with internal teams and external service providers. NORMAL DAY-TO-DAY WORK<ol><li>Serve as the primary point of contact for members following loan approval, guiding them through the documentation and stipulation collection process needed to proceed to closing.</li><li>Order and track third-party due diligence including title search or preliminary title report, flood zone determinations, property tax verification, property valuations or AVMs (as applicable), and proof of current homeowner’s insurance.</li><li>Review title documentation to confirm clear ownership, no outstanding liens or judgments, legal description accuracy, and acceptable lien position for recording.</li><li>Coordinate with title companies or legal vendors to resolve title exceptions, unpaid liens, or other curative items.</li><li>Review homeowner’s insurance and, when required, flood insurance to confirm appropriate dwelling coverage, Civic listed as mortgagee/loss payee, and that deductibles meet internal guidelines.</li><li>Validate that all underwriting conditions and stipulations have been received, complete, and properly documented before submission to closing preparation.</li><li>Maintain digital loan files and documentation in the loan origination system (LOS), ensuring files are updated in real time and fully complete.</li><li>Coordinate with internal teams—including Underwriting, Fulfillment, and Post-Closing—to ensure loan files are clean, compliant, and ready for closing document generation.</li><li>Track closing timelines and escalate any delays, missing items, or document issues to the Loan Processing Lead or appropriate parties.</li><li>Follow up on trailing items after closing, including title policy delivery and recorded mortgage/deed verification to confirm lien perfection.</li><li>Participate in training sessions and process updates to maintain accuracy, efficiency, and compliance with changing HELOC guidelines or regulations. Assist in quality control reviews, document imaging, and audit preparation as needed.</li><li>Take ownership for actions, decisions, and results; openly accept feedback and demonstrate both the willingness and ability to improve.</li></ol> JOB QUALIFICATIONSHere are a few skills you MUST have to be qualified for this position.<ol><li>1 – 3 years of HELOC or mortgage processing experience in a centralized lending environment.</li><li>Strong knowledge of home equity lending documentation including title review, insurance validation, and lien perfection practices.</li><li>Familiarity with HELOC compliance and due diligence requirements including TRID, RESPA, ECOA, and related federal/state regulations.</li><li>Experience working with members to collect documentation and manage pipeline expectations professionally and accurately.</li><li>Proficiency in loan origination systems (LOS) and digital document platforms.</li><li>Excellent attention to detail and organizational skills to manage a high-volume pipeline.</li><li>Strong communication and problem-solving skills for working with members and external vendors.</li><li>Ability to function in a Consumer business office environment and utilize standard office equipment including but not limited to: PC, copier, telephone, etc.</li><li>Ability to lift a minimum of 25 lbs. (file boxes, computer).</li><li>&nbsp;Travel required on occasion.</li></ol>Here are a few qualities we’d LIKE for you to have to make you more suited for this position.<ol><li>Credit Union experience preferred, particularly in a digital or centralized lending model.</li><li>Exposure to Fiserv Velocity or similar LOS platforms.</li><li>Familiarity with e-signature or remote notarization processes.</li><li>Experience coordinating title curative work or lien release follow-up.</li><li>Bilingual (Spanish) is a plus.</li></ol> CONTACT USIf you have questions about this position description, please feel welcome to ask. You can reach our HR Department at:&nbsp;Civic Human Resources3600 Wake Forest Road, Raleigh, NC 27609&nbsp;<a href="mailto:careers@civicfcu.org" target="_blank">careers@civicfcu.org</a>

Requirements:
 PI278033511

HELOC Loan Processor

Description:
CIVIC CULTUREOur organization believes we can all do well by doing good. We value the contributions of diverse minds and prioritize the success and well-being of our employees. We also believe every person in our organization plays a role in supporting a healthy environment and helping to achieve our goal of prosperity for all. To this end, we recruit bright, energetic, and talented people to be members of our team. In return, we offer a dynamic workplace that presents opportunities for professional advancement and individual growth. We strive to always display integrity, self-awareness, courage, and respect for one another while continuing to seek opportunities to learn. We really believe that when our employees succeed, our community wins.&nbsp; ABOUT THE POSITIONThe Loan Center Manager is a key leadership role responsible for overseeing a team of Consumer Loan Officers. This role ensures operational excellence, regulatory compliance, and a best-in-class lending experience across consumer and mortgage products. The Loan Center Manager provides strategic and day-to-day direction, fosters continuous improvement, and champions a consultative, digital-first approach to member engagement. The position serves as a cross-functional leader, partnering with internal and external stakeholders to drive loan growth, streamline servicing, and maintain high service standards. NORMAL DAY-TO-DAY WORK<ol><li>Provide daily leadership and strategic oversight for the Consumer Loan Officer (LO) team, including leading onboarding and continued training for CLO team members, ensuring up-to-date knowledge of guidelines and systems.</li><li>Monitor LO team performance metrics; develop coaching strategies to improve quality, efficiency, and conversion.</li><li>Guide the LO team in member engagement, loan consultation, STIP collection, and denial follow-up with consistent process flow.</li><li>Support quality control and compliance reviews; oversee audit requests, reporting, and vendor due diligence for lending functions.</li><li>Collaborate with internal teams (Branch, Digital Lending, Experience Center, Underwriting, Fulfillment, Credit Administration) on enhancements and escalations.</li><li>Oversee operational support for loan origination system (LOS) updates and digital enhancements across lending functions.</li><li>Review and enhance policies, procedures, and controls to meet regulatory, investor, and internal risk standards.</li><li>Actively participate in strategic planning and lending initiatives to improve the overall member lending journey and achieve organizational goals.</li><li>Display integrity, self-awareness, courage, and respect for staff while ensuring learning agility and flexibility communicating and delegating effectively. Work effectively, collaboratively, and creatively in a team-oriented environment both internally and externally.</li><li>Take ownership for actions, decisions, and results; openly accept feedback and demonstrate both the willingness and ability to improve.</li></ol> JOB QUALIFICATIONSHere are a few skills you MUST have to be qualified for this position.<ol><li>7 – 9 years of experience in Consumer Loan operations, including 1 – 3 years of management experience.</li><li>Strong knowledge of Mortgage Lending, Loan Servicing, and lending compliance (RESPA, TIL, HMDA, FNMA, etc.) and proficiency in Consumer Lending products including Auto, Unsecured Loans, HELOC, and Lines of Credit.</li><li>Demonstrated ability to manage third-party relationships, including mortgage servicers and LOS vendors.</li><li>Ability to develop and monitor KPIs, operational metrics and audit results across multiple lending functions.</li><li>Skilled in interpreting and applying lending policies, credit criteria, and underwriting guidance.&nbsp;</li><li>Exceptional written and verbal communication skills, especially in developing and explaining policies, procedures and standards.&nbsp;</li><li>Ability to work both independently and collaboratively with cross-functional teams.</li><li>Ability to function in a Consumer business office environment and utilize standard office equipment including but not limited to: PC, copier, telephone, etc.</li><li>Ability to lift a minimum of 25 lbs. (file boxes, computer).</li><li>Travel required on occasion.</li></ol> Here are a few qualities we’d LIKE for you to have to make you more suited for this position.<ol><li>Credit Union experience preferred, particularly in a digital or centralized lending model.</li><li>Exposure to Fiserv Velocity and DNA or similar LOS platforms.</li><li>Experience working within a consultative or relationship-based lending framework.</li><li>Proficiency in reporting tools or dashboards (e.g., Tableau, Power BI).&nbsp;</li><li>Strong organizational and multitasking abilities in a fast-paced environment.</li><li>Ability to train, onboard, and mentor new hires effectively.</li></ol> CONTACT USIf you have questions about this position description, please feel welcome to ask. You can reach our HR Department at:&nbsp;Civic Human Resources3600 Wake Forest Road, Raleigh, NC 27609&nbsp;<a href="mailto:careers@civicfcu.org" target="_blank">careers@civicfcu.org</a>

Requirements:
 PI277875563

Loan Center Manager

CIVIC CULTUREOur organization believes we can all do well by doing good. We value the contributions of diverse minds and prioritize the success and well-being of our employees. We also believe every person in our organization plays a role in supporting a healthy environment and helping to achieve our goal of prosperity for all. To this end, we recruit bright, energetic, and talented people to be members of our team. In return, we offer a dynamic workplace that presents opportunities for professional advancement and individual growth. We strive to always display integrity, self-awareness, courage, and respect for one another while continuing to seek opportunities to learn. We really believe that when our employees succeed, our community wins. ABOUT THE POSITIONThe Consumer Lending Credit Officer III is responsible for the credit granting process and overseeing underwriting, decisioning, and portfolio management of the consumer segments. The Consumer Lending Credit Officer III partners with the AVP, Credit Administration to design products and set underwriting policies and guidelines for the line of business that is consistent, closely followed and without favoritism or discrimination. This role will lead and act as a mentor to junior Consumer Lending CreditOfficers. NORMAL DAY-TO-DAY WORK<ol><li>Ensures that each approved application meets the Credit Union’s lending standards. Approves loans within their pre-determined lending authority and makes recommendations to the lending manager on applications outside of their authority.</li><li>Underwrites both real estate and non-real estate consumer loan applications while meeting and exceeding individual and team goals.</li><li>Works with a third-party mortgage vendor; receives and reviews loan files for sufficient documentation to make an informed loan decision based on the product description and standard underwriting guidelines.</li><li>Utilizes expertise in reviewing self-employed loan applicants for income analysis for all organization loan types. Evaluate all information for accuracy and correct as necessary based on the loan decision. Collaborate with third-party vendor on loan exceptions, complex and non-complex loans.</li><li>Ensures due diligence is performed; verifying account information, credit worthiness and reviewing income/employment information, determining collateral value to ensure borrower’s ability and willingness to repay. Requests and properly documents additional information as needed. Ensures proper adverse actions are used when declining applicants. Clears and documents if a policy, procedure, or guideline exception is made stating they type of exception and any compensating factors to support the decision.</li><li>Provides a consultative underwriting experience with the member. Ensures proper review of credit, identifies credit restructuring opportunities, cross-sells opportunities or provides direction on improving the financial outlook of the member.</li><li>Manages and monitors pipeline of deals in all underwriting stages by keeping member/staff informed of loan status throughout the process as necessary.</li><li>Assists in monitoring the quality and performance of existing portfolios by product and risk grading level. Continuously reviews credit underwriting reports for negative trends.</li><li>Conducts quality control reviews of declined loans, and internal and external audits. Works with Compliance, and third-party vendor to address any findings.</li><li>Partners with the AVP, Credit Administration to set appropriate product and underwriting guidelines as well as recommend changes in the consumer credit policies to Sr. Management based on portfolio performance reviews and market and economic changes.</li><li>Remains knowledgeable of State and Federal lending regulations, NCUA and credit union policies and procedures. Demonstrates a commitment to fair lending practices and ensures compliance with all applicable laws and regulations concerning consumer lending.</li><li>Assists in testing credit underwriting system updates, audit preparations, and mentors and leads junior Consumer Lending Credit Officers.</li><li>Takes ownership for actions, decisions, and results; openly accept feedback and demonstrate both the willingness and ability to improve.</li></ol>JOB QUALIFICATIONSHere are a few skills you MUST have to be qualified for this position.<ol><li>Minimum 7 to 9 years of experience in consumer and/or mortgage underwriting.</li><li>Should have a good understanding of accounting principles, business financial statements and tax returns.</li><li>Demonstrated knowledge in analysis of personal tax returns, personal financial statements, and credit bureau reports.</li><li>Knowledgeable in analysis of personal tax returns, personal financial statements, and credit bureau reports.</li><li>General understanding of Consumer Loan Origination Systems.</li><li>Experience with credit procedures, policies, and regulations. Knowledge of bankruptcy and consumer laws.</li><li>Ability to function in a Consumer business office environment and utilize standard office equipment including but not limited to: PC, copier, telephone, etc.</li><li>Ability to lift a minimum of 25 lbs. (file boxes, computer).</li><li>Travel required on occasion.</li></ol>Here are a few qualities we’d LIKE for you to have to make you more suited for this position.<ol><li>Bachelor’s degree in Finance, Accounting, Economics, Business or related field.</li><li>Experience in a centralized underwriting environment and the use of scorecards/risk-grading/risk-based pricing for credit decisioning.</li><li>Prefer a minimum of 1 – 3 years of Credit Union consumer credit experience.</li><li>Knowledge of loan structuring and work-out solutions.</li><li>Experience in mortgage underwriting</li></ol>CONTACT USIf you have questions about this position description, please feel welcome to ask. You can reach our HR Department at:Civic Human Resources3600 Wake Forest Road, Raleigh, NC 27609<a href="mailto:careers@civicfcu.org" target="_blank">careers@civicfcu.org</a> PI277820598

Consumer Lending Credit Officer I

Description:
Our organization believes we can all do well by doing good. We value the contributions of diverse minds and prioritize the success and well-being of our employees. We also believe every person in our organization plays a role in supporting a healthy environment and helping to achieve our goal of prosperity for all. To this end, we recruit bright, energetic, and talented people to be members of our team. In return, we offer a dynamic workplace that presents opportunities for professional advancement and individual growth. We strive to always display integrity, self-awareness, courage, and respect for one another while continuing to seek opportunities to learn. We really believe that when our employees succeed, our community wins.&nbsp; ABOUT THE POSITIONThe Lead Consumer Loan Officer is responsible for overseeing a centralized team of Consumer Loan Officers who manage digital and referred branch loan applications. This position plays a critical role in ensuring members receive expert, consultative guidance throughout the loan process—from pre-application product matching to post-approval stipulation collection and closing coordination. Through daily oversight and mentoring of the Loan Officer team, the Lead Loan Officer is expected to maintain high service standards, ensure accurate intake and processing, and support loan application quality and conversion rates. The role will serve as the central point for team training, escalations, and continuous improvement in a digital-first lending environment. NORMAL DAY-TO-DAY WORK<ol><li>Provide practical, hands-on leadership to the centralized Consumer Loan Officer (LO) team, ensuring applications are reviewed for completeness, product suitability, and alignment with underwriting requirements before submission.</li><li>Support member engagement strategy by coaching LOs on pre-application consultative conversations, application review techniques, and effective follow-up on approvals and denials.</li><li>Ensure the LO team manages inbound and outbound member contact workflows related to stipulations, approval terms, loan restructuring, and denial education, while Experience Center handles all direct calls, chats, and secure messages.</li><li>Review individual and team productivity reports, monitor key performance indicators (KPIs), and provide coaching and training as needed to ensure consistent execution. Support the onboarding and training of new LOs, including shadowing, review of standard operating procedures (SOPs), and system navigation.</li><li>Coordinate with Consumer Underwriting and Fulfillment to ensure streamlined handoffs, clear communication of stipulations, and proactive follow-through for timely loan closings.</li><li>Serve as a subject matter expert for escalated member cases, complex loan scenarios, and application restructuring recommendations; engage with members directly as needed to support the LO team and optimize members’ experiences.</li><li>Work with cross-functional teams including Digital Lending, Branch Operations, Experience Center, and Credit Administration to support process optimization, system enhancements, and member experience initiatives.</li><li>Lead quality control efforts by auditing LO team members’ work for accuracy, compliance with lending policies, and appropriateness of member engagement and documentation.</li><li>Maintain deep knowledge of all consumer loan products (unsecured, auto, HELOC, etc.) and ensure the team is consistently trained and current on guidelines, pricing, and risk criteria.</li><li>Identify trends in loan submissions, denials, or member concerns and elevates recommendations for policy, product, or process changes to management. Assist with periodic reporting, dashboard tracking, and operational metrics for internal teams and executive leadership.</li><li>Take ownership for actions, decisions, and results; openly accept feedback and demonstrate both the willingness and ability to improve.</li></ol> JOB QUALIFICATIONSHere are a few skills you MUST have to be qualified for this position.<ol><li>4 – 6 years of consumer lending experience, preferably in a centralized or digital lending environment, including 1 – 3 years of experience leading, coaching, or mentoring leading professionals.</li><li>Proven knowledge of consumer loan products including unsecured loans, auto loans, HELOCs, and lines of credit.</li><li>Strong understanding of lending regulations, loan structuring, risk-based pricing, and credit decisioning fundamentals.</li><li>4. Demonstrated ability to review and guide loan applications for completeness, creditworthiness, and compliance.</li><li>Exceptional written and verbal communication skills, especially in explaining loan decisions and guiding members through the lending process.</li><li>Strong organizational skills with the ability to manage multiple workflows in a fast-paced, high-volume environment.</li><li>Highly proficient with loan origination systems (LOS) and core banking systems.</li><li>Ability to work both independently and collaboratively with cross-functional teams.</li><li>Ability to function in a Consumer business office environment and utilize standard office equipment including but not limited to: PC, copier, telephone, etc.</li><li>Ability to lift a minimum of 25 lbs. (file boxes, computer).</li><li>Travel required on occasion.</li></ol> Here are a few qualities we’d LIKE for you to have to make you more suited for this position.<ol><li>Credit Union experience preferred, particularly in a digital or centralized lending model.</li><li>Exposure to Fiserv Velocity or similar LOS platforms.</li><li>Experience working within a consultative or relationship-based lending framework.</li><li>Proficiency in reporting tools or dashboards (e.g., Tableau, Power BI).</li><li>Ability to train, onboard, and mentor new hires effectively.</li></ol> CONTACT USIf you have questions about this position description, please feel welcome to ask. You can reach our HR Department at:&nbsp;Civic Human Resources3600 Wake Forest Road, Raleigh, NC 27609&nbsp;<a href="mailto:careers@civicfcu.org" target="_blank">careers@civicfcu.org</a>

Requirements:
 PI277827257

Lead Consumer Loan Officer

Description:
Our organization believes we can all do well by doing good. We value the contributions of diverse minds and prioritize the success and well-being of our employees. We also believe every person in our organization plays a role in supporting a healthy environment and helping to achieve our goal of prosperity for all. To this end, we recruit bright, energetic, and talented people to be members of our team. In return, we offer a dynamic workplace that presents opportunities for professional advancement and individual growth. We strive to always display integrity, self-awareness, courage, and respect for one another while continuing to seek opportunities to learn. We really believe that when our employees succeed, our community wins.&nbsp; ABOUT THE POSITIONThe Consumer Loan Officer is a centralized role responsible for guiding members through the consumer lending process with a consultative and relationship-based approach. This position is a key part of the credit union’s centralized lending strategy and focuses on managing primarily digital loan applications, with some referrals from physical branches. The Consumer Loan Officer is responsible for reviewing applications prior to underwriting, contacting members to confirm loan purpose and structure, ensuring stipulations are gathered post-approval, and providing follow-up on both approvals and denials. This role plays a critical part in helping members navigate their borrowing journey, aligning their needs with the right loan product, and ensuring clarity and completeness at every step. NORMAL DAY-TO-DAY WORK<ol><li>Review assigned digital and branch-submitted loan applications to ensure the selected product, amount, and term align with the member’s financial needs and objectives.</li><li>Contact members to engage in consultative discussions related to loan purpose, product fit, or clarification prior to underwriting submission.</li><li>Work collaboratively with Consumer Underwriting to ensure applications are accurate and complete, and proactively gather missing information or documents needed for decisioning. Support fulfillment and underwriting partners by submitting well-prepared, accurate, and complete applications. Proactively follow up with members on approved loans to explain terms, verify member intent, and collect any stipulations needed to move the loan to closing.</li><li>Contact members on declined loan applications (as applicable) to explain the outcome and offer guidance on improving future approval chances.</li><li>Utilize the loan origination system (LOS) and internal workflows to update application status, document member interactions, and route applications appropriately. Adhere to all regulatory and internal policies when collecting, documenting, or communicating with members.</li><li>Maintain knowledge of all consumer lending products—including unsecured term loans, personal lines of credit, auto loans, and HELOCs—to support members in product selection.</li><li>Meet productivity and service level expectations for daily contact volume, turnaround time, and member satisfaction.</li><li>Participate in training and coaching sessions to maintain proficiency in underwriting principles, loan structuring, and credit fundamentals.</li><li>Contribute to process improvement initiatives by identifying trends, bottlenecks, or opportunities for better member communication.&nbsp;</li><li>Take ownership for actions, decisions, and results; openly accept feedback and demonstrate both the willingness and ability to improve.</li></ol> JOB QUALIFICATIONSHere are a few skills you MUST have to be qualified for this position.<ol><li>1 – 3 years of experience in consumer lending or member service roles involving lending conversations.</li><li>Working knowledge of consumer loan products including personal loans, auto loans, and HELOCs.</li><li>Strong communication skills, with the ability to explain loan terms, credit decisions, and stipulation requirements clearly.</li><li>Familiarity with credit reports, DTI calculations, and basic underwriting principles.</li><li>Ability to use loan origination systems and CRM tools to document member contact and update application status.</li><li>High attention to detail, organizational skills, and the ability to manage a high volume of applications in a fast-paced, centralized environment.</li><li>Member-focused mindset with a consultative, empathetic approach to lending.</li><li>Ability to function in a Consumer business office environment and utilize standard office equipment including but not limited to: PC, copier, telephone, etc.</li><li>Ability to lift a minimum of 25 lbs. (file boxes, computer).</li><li>Travel required on occasion.</li></ol> Here are a few qualities we’d LIKE for you to have to make you more suited for this position.<ol><li>Credit Union experience preferred, particularly in a digital or centralized lending model.</li><li>Exposure to Fiserv Velocity or similar LOS platforms.</li><li>Bilingual (Spanish) is a plus.</li><li>Familiarity with digital member interactions, including secure messaging platforms or digital follow-up tools.</li><li>Ability to analyze credit reports and make basic recommendations on loan alternatives.</li></ol> CONTACT USIf you have questions about this position description, please feel welcome to ask. You can reach our HR Department at:&nbsp;Civic Human Resources3600 Wake Forest Road, Raleigh, NC 27609&nbsp;<a href="mailto:careers@civicfcu.org" target="_blank">careers@civicfcu.org</a>

Requirements:
 PI277795743

Consumer Loan Officer

Description:
&nbsp;CIVIC CULTUREOur organizations believe we can all do well by doing good. We value the contributions of diverse minds and prioritize the success and well-being of our employees. We also believe every person in our organization plays a role in supporting a healthy environment and helping to achieve our goal of prosperity for all. To this end, we recruit bright, energetic, and talented people to be members of our team. In return, we offer a dynamic workplace that presents opportunities for professional advancement and individual growth. We strive to always display integrity, self-awareness, courage, and respect for one another while continuing to seek opportunities to learn. We really believe that when our employees succeed, our community wins. About the Position The Loan Operations Specialist is responsible for the daily servicing and production of the Consumer loan operations. A successful individual in this role will be forward-thinking, assisting with department projects as assigned by the operations manager and ensuring the financial institution’s Consumer loan closing and servicing policies/procedures are being adhered to on each request. In addition, one must contribute to the ongoing development of processes and procedures as well as have knowledge of each functional area including validating reporting, billing, tracking of insurances/taxes, collateral management and paid-in-full loan record keeping. Normal Day-to-Day Work<ol><li>Provide daily support of all aspects of servicing Consumer Loan products.</li><li>Perform loan account maintenance, servicing, balancing, and reporting processes including proficiency in GL reconciliation and transactions.</li><li>Complete payment processing, data entry, collateral &amp; financial ticklers, and file maintenance.</li><li>Understand and code loans to report loans accurately in Call Report as well as other Credit Union reporting formats.</li><li>Assist the Sr. Loan Operations Specialist in monitoring, reviewing, and validating periodic loan reports and system output and resolves/escalates issues as appropriate. Assist in providing reconciliation and identification of pattern activities or anomalies in reports and notifies management.</li><li>Assist and support the Credit Union’s loan related systems to ensure they are compliant with current loan policies and guidelines.</li><li>Assist in identifying risks and opportunities for improvement with recommendations to improve processes.</li><li>Assist in perfecting Credit Union lien for all real estate and non-real estate loans. Organize loan files and complete checklist for any suspense items.</li><li>Handle issues and possess up-to-date knowledge of specific financial products and regulations. Work with others as necessary to research, analyze, and recommend resolutions.</li><li>Assist in ensuring system upgrades are installed and tested thoroughly in a timely fashion.</li><li>Ensure compliance with all applicable laws and regulations concerning lending by working with Legal and Compliance, attending internal and external training classes and vendor workshops.</li><li>Take ownership for actions, decisions, and results; openly accept feedback and demonstrate both the willingness and ability to improve.</li></ol>Job QualificationsHere are a few skills you MUST have to be considered for this position.<ol><li>Minimum 1 – 3 years of Consumer loan operations experience in all aspects of servicing and loan documentation preparation for consumer non-real estate and real estate.</li><li>Strong interpersonal skills with ability to work in a team environment and mentor others.</li><li>Ability to function in a business office environment and utilize standard office equipment, technology and software including but not limited to: PC/laptop, MS Windows, etc.</li><li>Ability to lift a minimum of 25 lbs. (file boxes, computer printer).</li></ol>Here are a few qualifications we’d LIKE you to have to make you more suited for this position.<ol><li>Experience with collateral perfection and servicing, regulations, and compliance.</li><li>Experience with virtual/online banking environments for business members services.</li><li>Technical experience with input to loan documentation and core Credit Union systems.</li></ol>Contact UsIf you have questions about this position description, please feel welcome to ask. You can reach our HR at:LGFCU Human Resources3600 Wake Forest RoadRaleigh, NC 27609<a href="mailto:careers@lgfcu.org" target="_blank">careers@lgfcu.org</a> 

Requirements:
 PI277762743

Consumer Lending Operations Specialist

Description:
CIVIC CULTUREOur organization believes we can all do well by doing good. We value the contributions of diverse minds and prioritize the success and well-being of our employees. We also believe every person in our organization plays a role in supporting a healthy environment and helping to achieve our goal of prosperity for all. To this end, we recruit bright, energetic, and talented people to be members of our team. In return, we offer a dynamic workplace that presents opportunities for professional advancement and individual growth. We strive to always display integrity, self-awareness, courage, and respect for one another while continuing to seek opportunities to learn. We really believe that when our employees succeed, our community wins.&nbsp; ABOUT THE POSITIONThe Senior Collateral and Quality Control Specialist is responsible for the daily monitoring and servicing relating all consumer, mortgage, and commercial collateral management, insurance, and post-closing loan documentation review. This position will liaise with various business units that touch all collateralized loans including but not limited to research, lien perfection, reporting, process tracking, and resolving collateralized loan issues. A successful individual in this role will be forward thinking, assist with department projects as assigned by the Collateral and Quality Control manager. In addition, one must have strong knowledge in consumer loan collateral insurance requirements and post-documentation review policies and procedures, contribute to the ongoing development of processes and procedures as well as in-depth knowledge collateral management and documentation review.&nbsp; NORMAL DAY-TO-DAY WORK<ol><li>Provide daily operational support for collateralized consumer and commercial loans to ensure lien and titling needs for all portfolios are properly handled and that all related tasks including preparation of necessary paperwork for title transfers, payoffs, follow-ups, letters of guarantee, and member correspondences are satisfactory.</li><li>Process and monitor security interest for collateral securing consumer and commercial collateralized loans in accordance with Credit Union policies and procedures and best practices. Ensure liens are released when required and process applicable Uniform Commercial (UCC) Financing Statement to appropriately secure our lien position or terminate our security interest on non-titled collateral securing a consumer or commercial loan.</li><li>&nbsp;Monitor, review, and validate periodic collateral reports and system output and resolve/escalate issues as appropriate. Provide reconciliation and identification of pattern activities or anomalies in reports and notifies management.</li><li>Interface and assist with vendors and government entities to resolve titling registration and lienholder recording issues. Including all third-party relationships with state agencies and electronic vendors.</li><li>Assist with the continued support of the Credit Union’s collateral and insurance-tracking related systems to ensure they are compliant with current policies and guidelines.&nbsp;</li><li>Handle complex issues and possess up-to-date knowledge of specific collateral and insurance management and regulations. Work with others as necessary to research, analyze, recommend, and implement loan initiatives.&nbsp;</li><li>Assist with creating and/or amending collateral and loan documentation quality control processes, procedures, policies, guidelines, and systems with knowledge of all lending regulations related to real estate and non-real estate loans.</li><li>Responsible for title tracking levels of overall perfected titles related to the auto portfolio; reviewing 30-60-90+ day non-perfected titles and clearing within prescribed SLA requirements.</li><li>Process applicable Uniform commercial (UCC) Financing Statements to appropriately secure lien position or terminate our security interest on non-titled collateral.</li><li>&nbsp;Actively engage with applicable title, deed of trust, and insurance servicing systems and vendors to ensure proper systems functionality and enhancement opportunities.</li><li>Process post-closing quality reviews of loan documentation completions and accuracy as well as lien perfection. Identifying critical/non-critical documents for perfection.&nbsp;</li><li>&nbsp;Ensure the accuracy of data/file/tickler maintenance, payoff calculations, required reporting, and compliance with operating procedures, policies, and regulations.&nbsp;</li><li>&nbsp;Assist with coordinating internal/external audits pertaining to consumer credit products. Expectation of zero audit exceptions as it relates to scope of responsibility. Performs periodic self-audits of all areas of responsibility.</li><li>Take ownership for actions, decisions, and results; openly accept feedback and demonstrate both the willingness and ability to improve.</li></ol> JOB QUALIFICATIONSHere are a few skills you MUST have to be qualified for this position.<ol><li>&nbsp;&nbsp;&nbsp;Minimum 4 – 6 years of consumer and commercial loan real estate and non-real estate experience, including 1 – 3 years of loan operations experience.</li><li>Proficient in consumer, commercial and RE loan documents in multiple lending jurisdictions, including lien-filing, titling, vehicle and RE insurance, taxes, and escrow.</li><li>Demonstrated experience with consumer loan and documentation procedures, policies, and regulations. Knowledge of bankruptcy and consumer laws.&nbsp;</li><li>&nbsp;Ability to multi-task, prioritize, and accept change and function in a team environment.</li><li>&nbsp;Ability to function in a Consumer business office environment and utilize standard office equipment including but not limited to: PC, copier, telephone, etc.</li><li>&nbsp;Ability to lift a minimum of 25 lbs. (file boxes, computer).</li><li>Travel required on occasion.</li></ol>Here are a few qualities we’d LIKE for you to have to make you more suited for this position.<ol><li>Bachelor’s degree in Finance, Accounting, Economics, Business, or related field.</li><li>1 – 3 years of Credit Union experience.</li><li>&nbsp;Technical background and ongoing maintenance of loan core system as well as a functional understanding of a loan origination system (LOS).</li></ol> CONTACT USIf you have questions about this position description, please feel welcome to ask. You can reach our HR Department at:&nbsp;Civic Human Resources3600 Wake Forest Road, Raleigh, NC 27609&nbsp;<a href="mailto:careers@civicfcu.org" target="_blank">careers@civicfcu.org</a>

Requirements:
 PI277672567

Senior Collateral and Quality Control Specialist

Description:
 OUR CULTUREOur organization believes we can all do well by doing good. We value the contributions of diverse minds and prioritize the success and wellbeing of our employees. We also believe every person in our organization plays a role in supporting a healthy environment and helping to achieve our goal of prosperity for all. To this end, we recruit bright, energetic, and talented people to be members of our team. In return, we offer a dynamic workplace that presents opportunities for professional advancement and individual growth. We strive to always display integrity, self-awareness, courage, and respect for one another while continuing to seek opportunities to learn. We really believe that when our employees succeed, our community wins. ABOUT THE POSITIONThe Civic Advisor will play a crucial role in providing superior member experience with enhanced awareness and continued education of existing products and services. This is accomplished by offering digital options, processing accurate and professional member transactions and discovering member centric account solutions. The Civic Advisor will be a part of the member’s journey in exploring financial goals, building trust through operational soundness and becoming a frontline touchpoint for members and staff. At the core, the Civic Advisor will embody Civic’s values, policies and vision while fostering an inclusive environment for both branch staff and members. NORMAL DAY-TO-DAY WORK<ol><li>Demonstrates exceptional member service by providing personalized solutions, creating memorable interactions and exceeding member expectations.</li><li>Builds and fosters relationships with current and potential members to increase their financial well-being.</li><li>Exhibits adept recognition and adjustment to member needs while employing active listening techniques to effectively de-escalate member concerns. Conducts thorough research to address and resolve member inquiries, preparing necessary documentation as needed.</li><li>Maintains and balances assigned cash drawer daily, while following operational procedures and cash limits. Participates in opening and closing procedures, as needed.</li><li>Accurately processes member transaction requests and responds to member inquiries via various channels in a timely manner.</li><li>Provides lobby support and maintains a strong knowledge of products and services available to Civic members, including current promotions. Inform members about products and services other than those requested based on the member’s financial information.</li><li>Assists with in-person opening of deposit and loan accounts by ensuring all information is received timely and accurately processed.</li><li>Explains loan programs to member, evaluates their needs and recommends loan options. Complete member and loan applications and escalate to the lending department as necessary.</li><li>Participate in beta-testing for possible workflow and process improvement and provide feedback to internal/external resources as needed.</li><li>Educates members on digital solutions by providing self-service alternatives to manage finances at their convenience.</li><li>Participates in required meetings and trainings while promoting a positive team environment. Shares knowledge of member feedback and effective practices.</li><li>Collaborates with internal departments to provide a closed-loop experience for member requests.</li><li>Complies with regulation, policies, procedure and operational guidelines. Proactively assesses and mitigates operational risks, ensuring compliance with regulations, audit requests and implements security measures when appropriate.</li></ol> JOB QUALIFICATIONSHere are a few qualifications you MUST have to be qualified for this position.<ol><li>Minimum 1 – 3 years of customer service experience, or a Bachelor’s degree.</li><li>High school diploma or equivalent.</li><li>Excellent verbal, written, telephone and interpersonal communication skills.</li><li>Demonstrated strong customer service skills.</li><li>Notary Public in North Carolina, or ability to achieve in the first 6 months of employment.</li><li>PC proficient, including Microsoft Office (Word, Excel, PowerPoint, Access, Outlook) and the Internet.</li><li>Ability to function in a Consumer business office environment and utilize standard office equipment including but not limited to: PC, copier, telephone, etc.</li><li>Ability to lift a minimum of 25 lbs. (file boxes, computer printer).</li><li>Travel required on occasion.</li></ol> Here are a few qualifications we’d LIKE for you to have.<ol><li>Credit Union member service experience.</li><li>Knowledge of financial products and services, mobile and on-line banking a plus.</li></ol>If you have questions about this position description, please feel welcome to ask. You can reach HR at:Human Resources3600 Wake Forest Rd, Raleigh, NC 27609<a href="mailto:careers@civicfcu.org" target="_blank">careers@civicfcu.org</a>

Requirements:
 PI277361499

Member Service Advisor, Murphy (Branch Advisor)

Description:
 OUR CULTUREOur organization believes we can all do well by doing good. We value the contributions of diverse minds and prioritize the success and wellbeing of our employees. We also believe every person in our organization plays a role in supporting a healthy environment and helping to achieve our goal of prosperity for all. To this end, we recruit bright, energetic, and talented people to be members of our team. In return, we offer a dynamic workplace that presents opportunities for professional advancement and individual growth. We strive to always display integrity, self-awareness, courage, and respect for one another while continuing to seek opportunities to learn. We really believe that when our employees succeed, our community wins. ABOUT THE POSITIONThe Civic Advisor will play a crucial role in providing superior member experience with enhanced awareness and continued education of existing products and services. This is accomplished by offering digital options, processing accurate and professional member transactions and discovering member centric account solutions. The Civic Advisor will be a part of the member’s journey in exploring financial goals, building trust through operational soundness and becoming a frontline touchpoint for members and staff. At the core, the Civic Advisor will embody Civic’s values, policies and vision while fostering an inclusive environment for both branch staff and members. NORMAL DAY-TO-DAY WORK<ol><li>Demonstrates exceptional member service by providing personalized solutions, creating memorable interactions and exceeding member expectations.</li><li>Builds and fosters relationships with current and potential members to increase their financial well-being.</li><li>Exhibits adept recognition and adjustment to member needs while employing active listening techniques to effectively de-escalate member concerns. Conducts thorough research to address and resolve member inquiries, preparing necessary documentation as needed.</li><li>Maintains and balances assigned cash drawer daily, while following operational procedures and cash limits. Participates in opening and closing procedures, as needed.</li><li>Accurately processes member transaction requests and responds to member inquiries via various channels in a timely manner.</li><li>Provides lobby support and maintains a strong knowledge of products and services available to Civic members, including current promotions. Inform members about products and services other than those requested based on the member’s financial information.</li><li>Assists with in-person opening of deposit and loan accounts by ensuring all information is received timely and accurately processed.</li><li>Explains loan programs to member, evaluates their needs and recommends loan options. Complete member and loan applications and escalate to the lending department as necessary.</li><li>Participate in beta-testing for possible workflow and process improvement and provide feedback to internal/external resources as needed.</li><li>Educates members on digital solutions by providing self-service alternatives to manage finances at their convenience.</li><li>Participates in required meetings and trainings while promoting a positive team environment. Shares knowledge of member feedback and effective practices.</li><li>Collaborates with internal departments to provide a closed-loop experience for member requests.</li><li>Complies with regulation, policies, procedure and operational guidelines. Proactively assesses and mitigates operational risks, ensuring compliance with regulations, audit requests and implements security measures when appropriate.</li></ol> JOB QUALIFICATIONSHere are a few qualifications you MUST have to be qualified for this position.<ol><li>Minimum 1 – 3 years of customer service experience, or a Bachelor’s degree.</li><li>High school diploma or equivalent.</li><li>Excellent verbal, written, telephone and interpersonal communication skills.</li><li>Demonstrated strong customer service skills.</li><li>Notary Public in North Carolina, or ability to achieve in the first 6 months of employment.</li><li>PC proficient, including Microsoft Office (Word, Excel, PowerPoint, Access, Outlook) and the Internet.</li><li>Ability to function in a Consumer business office environment and utilize standard office equipment including but not limited to: PC, copier, telephone, etc.</li><li>Ability to lift a minimum of 25 lbs. (file boxes, computer printer).</li><li>Travel required on occasion.</li></ol> Here are a few qualifications we’d LIKE for you to have.<ol><li>Credit Union member service experience.</li><li>Knowledge of financial products and services, mobile and on-line banking a plus.</li></ol> If you have questions about this position description, please feel welcome to ask. You can reach HR at: Human Resources3600 Wake Forest Rd, Raleigh, NC 27609 <a href="mailto:careers@civicfcu.org" target="_blank">careers@civicfcu.org</a>

Requirements:
 PI277279859

21 Banking / Insurance Jobs in North Carolina