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Description:CIVIC CULTURE Our 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 Consumer Loan Fulfillment Specialist will play a crucial role in supporting all consumer and residential real estate loan fulfillment and booking utilizing the loan core system. This position will liaise with various business units that work with consumer lending and related functions, including but not limited to research, lien perfection, reporting and tracking processes, and resolving consumer loan issues. This position will support all resources relating to the loan system and client loan information. NORMAL DAY-TO-DAY WORK<ol><li>Prepares documentation and performs processing for consumer loan closing, including personal, auto, and home equity loans.</li><li>Gathers and reviews required documentation, including proof of income, buyers' orders, vehicle registrations, proof of insurance, title reports, appraisals, payoff statements, and other related documentation to ensure policies and regulations are followed.</li><li>Assists with creation and monitoring of required home equity pre/post disclosures, reviews of finalized loan documentation, and performs lien recordings as necessary.</li><li>Corresponds with members via email, phone, or mail to follow up on required conditions to close loans and non-funded loan requests.</li><li>Supports the review and testing of new releases and system enhancements to the lending operating system and core system as necessary.</li><li>Complies with and stays abreast of all policies, guidelines and procedures, federal and state laws applicable to consumer loan servicing of real estate and non-real estate products.</li><li>Supports policy, guidelines and procedures related to consumer real estate closings/transactions with key stakeholders to ensure correct structure, loan documentation, and accurate boarding into the core system.</li><li>Prepares for and assists with coordinating internal/external audits pertaining to consumer credit products. Works towards and strives for zero audit exceptions as it relates to scope of responsibility. Performs periodic self-audits on all areas of responsibility.</li></ol>JOB QUALIFICATIONSHere are a few skills you MUST have to be qualified for this position.<ol><li>Minimum 1 – 3 years of consumer loan servicing experience.</li><li>Sound knowledge of consumer loan and documentation procedures, policies, regulations, including 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 is 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>Proficiency in consumer and real estate documents in multiple lending jurisdictions, lien filing and titling, and vehicle and real estate insurance.</li><li>Functional understanding of a loan origination system (LOS).</li><li>Lending experience at a Credit Union/Financial Institution.</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> Requirements: PI271298153

Local Government Federal Credit Union

Consumer Loan Fulfillment Specialist

Description: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 POSITIONThe Collateral Recovery Specialist is responsible for managing and maintaining all activities related to exercising remedies to protect the Credit Union's security interest in collateral pledged in loan obligations. The Collateral Recovery Specialist will actively manage collateral recovery from assignment through disposition and finalization. This position will be responsible for understanding and adhering to policies and procedures specific to exercising the Credit Union's right to secure collateral on defaulted loans. NORMAL DAY-TO-DAY WORK<ol><li>Follows all repossession policies, procedures, and regulations with strict adherence, prior to assigning any collateral for recovery. Follow all applicable policies, procedures, and collection laws to ensure minimal losses to the Credit Union.</li><li>Ensure timely assignment and review of all recovery-eligible accounts assigned to Default Management. </li><li>Manages activities related to collateral location identification and skip tracing. Actively manages and reviews current inventory of collateral to ensure timely disposition and makes data-driven decisions on collateral reconditioning.</li><li>Ensures all notices to borrowers are sent timely and in compliance with state and federal law. Assists with escalated actions, such as litigation, in pursuit of timely collateral recovery. </li><li> Maintains strategic knowledge of collateral types to maximize value based on condition, geographic location, and other factors. </li><li> Maintains oversight of collateral insurance policies and claim types as it pertains to the recovery and recondition of collateral. This includes but is not limited to, borrower insurance policies and Collateral Protection Insurance. </li><li>Regularly communicates with Loss Mitigation team(s) to ensure all collateral recovery recommendations are reviewed and any collateral recovery strategies are actively being implemented.</li><li>Ensures all proceeds from the disposition of collateral are applied accurately and timely. </li><li>Holds vendor relationships accountable for timely response and progression of accounts assigned for recovery. </li><li> Regularly reviews performance of collateral recovery agents to ensure practices are consistent with Credit Union values and policies. </li><li> Maintains accurate documentation of collection activity records to ensure effective internal communication and legal processing.</li><li> Provides a superior member experience by actively listening to and assessing the needs of the member, identifying and recommending solutions, and referring members to the appropriate person or department.</li><li>Assists management with the development of departmental procedures to ensure that collection activities are handled in an effective, efficient, and consistent manner. Stay abreast of industry regulations and guidelines.</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>Minimum 4 – 6 years' experience in collateral recovery.</li><li>Excellent verbal, written, telephone and interpersonal communication skills.</li><li>Excellent organizational skills and attention to detail.</li><li>Strong analytical and problem-solving skills.</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).</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>BA/BS in Finance or Business Discipline</li><li>Previous financial institution work desired.</li><li>Collection experience at a Credit Union or other financial institution.</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>Requirements: PI271298131

Collateral Recovery 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: PI271298154

Member Service Advisor, Lumberton (Branch Advisor)

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. 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. 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> 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. </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. </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> 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. </li><li> Ensure the accuracy of data/file/tickler maintenance, payoff calculations, required reporting, and compliance with operating procedures, policies, and regulations. </li><li> 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> 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. </li><li> Ability to multi-task, prioritize, and accept change and function in a team environment.</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>1 – 3 years of Credit Union experience.</li><li> 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: Civic Human Resources3600 Wake Forest Road, Raleigh, NC 27609 <a href="mailto:careers@civicfcu.org" target="_blank">careers@civicfcu.org</a>Requirements: PI271298130

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: PI271298156

Member Service Advisor, Wilmington (Branch Advisor)

Job Summary / General Purpose:The Insurance &amp; Contract Specialist (Insurance Coordinator) will work with our internal and external partners to limit, manage or mitigate liability and exposure. In this role, you will be reviewing insurance provisions within contracts and associated certificate of insurance (COI) for varying types of businesses and energy industry business segments;&nbsp; actioning surety bond requests and renewals as well as associated invoice management; incoming and outgoing insurance certificate requests; overseeing the COI expiration/cancellation processes; managing vehicle registrations; risk engineering data and process management; special projects as well as supporting our claims efforts. The insurance program is dynamic and evolving, which allows for professional development and growth.This role is based in our Portsmouth, NH Corporate Office. It will be in-office at first with the possibility of hybrid work in the future.Major Duties / Responsibilities:• Review incoming insurance certificates for accuracy and compliance; update IT systems and interested parties accordingly• Produce and manage outgoing certificates of insurance• Manage insurance review of terminal/plant access, transportation &amp; delivery, contractor/vendor services agreements and associated onboardings• Oversee renewal/expiration/cancellation processes for insurance certificates• Assist customers and company personnel with insurance related inquiries&nbsp;• Perform work related to the business automobile program and rolling stock&nbsp;• Maintain bond inventory of $23M +• Manage bond renewals• Review surety bond requests and submit to broker• Review, reconcile, and submit bond invoices for payment• Perform work related to risk engineering surveys• Short to long term projectsEducation / Experience / Skill Requirements:• Associate degree or equivalent experience• Insurance experience preferred&nbsp;&nbsp;• Excellent verbal and written communication skills• Outstanding customer service skills• Proficiency in Microsoft Office applications (Word, Excel, and PowerPoint) 2+ years’ database maintenance experience• Salesforce proficiency or technical acumen to learn and become proficient• Excellent time and organizational management• Ability to work in a fast-paced environment&nbsp;• Well organized and successfully manages work from beginning to end, meeting deadlinesWhy Join Us:&nbsp;<ul><li>Opportunity to make a meaningful impact and contribute to the success of a growing company.</li><li>Competitive salary and benefits package, including health insurance, retirement plans, and professional development opportunities.</li><li>Collaborative and supportive work environment with opportunities for career advancement and growth.</li><li>Commitment to diversity, inclusion, and employee well-being.</li></ul>Our Culture&nbsp;We recently surveyed our employees to ask them their favorite part of the job. They answered, "The people I work with."&nbsp;In addition to great coworkers, you’ll enjoy perks like medical benefits and retirement contributions that start on your first day. &nbsp;Employees start with three weeks (15 days) of paid vacation time per year! Sprague also provides tuition reimbursement for any employee that would like to further their education. &nbsp;Do you like to get involved where you work?&nbsp; Is giving back important to you? It’s important to us, too! Sprague donates back to the communities in which we live and work every year and provides opportunities for employees to support various charities throughout the year. In addition, Sprague offers paid volunteer time to allow employees to support charities which are meaningful to them. Sprague has a range of committees to support varying initiatives (Sustainability, Charitable, Scholarship, Innovation, FunForce, etc.). Sprague is a place that cares about its employees, its community, and about creating a place where people want to come to work every day.Plus, we have some great benefits!&nbsp;<ul><li>401(k) Traditional and Roth plans with employer match of 100% of the first 6% of the employee’s contribution</li><li>Defined Contribution Plan with an automatic contribution from Sprague</li><li>Paid Volunteer Time</li><li>Flexible Working Policy</li><li>Choice of high deductible and PPO Health Plans to fit your individual needs</li><li>Wellness Program</li></ul>Who we are:&nbsp;Do you like to solve problems and consider yourself forward thinking? If you are looking for a place to challenge yourself, then Sprague is your place. Sprague employees are dedicated and driven. We work best as a team, knowing that collaboration leads to innovation and the best customer experience. We are looking for hardworking colleagues to join us and help us stay at the forefront of the energy industry, which is where we’ve been for the last 150 years.&nbsp;Sprague takes a collaborative, customer-centric approach to providing best-in-class energy products and related services throughout the Northeast. Founded in 1870, we pride ourselves on offering customers the expert solutions and high-quality service that help their businesses thrive in any market landscape. Sprague values innovation, safety, integrity and people. We know that our people are what set us apart from our competition, and we work hard to make sure each employee across our 20+ locations knows how important they are to our community.&nbsp;Come join us to learn why we are consistently celebrating 20-, 30-, and even 40-year anniversaries here at Sprague!&nbsp;Sprague is an EEO/AA employer.&nbsp; We strongly encourage minorities, females, Vets and individuals with disabilities to apply.&nbsp;As a federal contractor we adhere to OFCCP employment regulations.&nbsp;Click here for OFCCP compliance information&nbsp;

Sprague

Sprague Resources GP LLC

Insurance & Contract 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 Senior Fair Lending Analyst plays a critical role in ensuring the Credit Union's adherence to federal and state fair lending laws and regulations. This individual will be responsible for conducting in-depth analysis of lending practices, identifying potential risks or discriminatory patterns, and providing actionable insights to maintain regulatory compliance and promote equitable lending practices. NORMAL DAY-TO-DAY WORK<ol><li>Conducts detailed fair lending reviews of loan portfolios, underwriting processes, and pricing practices to identify potential disparities or risks.</li><li>Evaluates existing lending policies, procedures, and practices for compliance with fair lending laws and develops and executes robust fair lending testing methodologies</li><li>Prepares reports summarizing review findings, including recommendations for corrective actions and process improvements.</li><li>Maintains detailed records of fair lending reviews, testing, and resolutions.</li><li>Keeps current on changes to fair lending laws, regulations, and enforcement actions to ensure the Credit Union remains compliant.</li><li>Monitors industry trends and emerging risks to proactively address potential compliance issues.</li><li>Works with the Loan Analytics team to perform statistical and qualitative analyses to evaluate lending data for potential risks.</li><li>Oversees the review, validation, and evaluation of HMDA data to ensure accuracy, completeness, and compliance while identifying potential fair lending risks.</li><li>Ensures timely submission of HMDA data to regulatory agencies in accordance or reporting deadlines and serves as a subject matter expert on fair lending and HMDA regulations.</li><li>Acts as a liaison with the Credit Union's Audit Services and Risk and Compliance departments for periodic fair lending audits and compliance reviews.</li></ol>JOB QUALIFICATIONSHere are a few qualifications you MUST have to be qualified for this position.<ol><li>4-6 years of experience in fair lending compliance, regulatory risk, and file review.</li><li>BA/BS in Business, Finance, Economics, Statistics, or related field.</li><li>Advanced knowledge of fair lending regulations, including ECOA, FHA, HMDA, and UDAAP.</li><li>Exceptional analytical and critical thinking skills.</li><li>Strong understanding of data validation and reporting processes.</li><li>Excellent verbal, written, telephone and interpersonal communication skills.</li><li>Must possess a strong service orientation.</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>Experience with visual analytics platforms such as Tableau.</li><li>Experience in developing new lending policies, reviewing and enforcing existing policies, ensuring compliance with procedures and guidelines, and recommending policy revisions as needed.</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@lgfcu.org" target="_blank">careers@lgfcu.org</a>Requirements: PI270951382

Senior Fair Lending Analyst

Description: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 POSITIONLoss Mitigation Manager is responsible for operational management of the Loss Mitigation Team and its efforts to proactively manage delinquent accounts by contacting Credit Union members. This role involves identifying potential risks, working with internal team and members to resolve payment issues and escalated situations, providing advanced oversight of repayment solutions, and implementing strategies to mitigate loan losses. NORMAL DAY-TO-DAY WORK<ol><li>Manages early and late-stage delinquency management efforts by ensuring Loss Mitigation Team monitors loan accounts and identifying members who are at risk of becoming delinquent.</li><li>Provides primary oversight of Loss Mitigation workforce management and scheduling. </li><li>Recommends strategic collection efforts and assists in operational implementation of strategy.</li><li>Maintains oversight of overall collection efforts to ensure team goals and KPIs are met. </li><li>Works with the Loss Mitigation team to approve escalated repayment plans and settlements.</li><li>Recommends strategic loan modifications and workout plans for approval. </li><li>Provides primary escalation assistance to active and charged-off accounts. </li><li>Ensures the accurate documentation of all member interactions, payment agreements, and actions plans in the core collection system.</li><li>Provides members with information on financial education resources and tools to help them manage their finances and avoid future delinquencies.</li><li>Fosters a culture of cross-team collaboration and bench-strength within the Loss Mitigation Team, including functions of escalated collection actions and Default Management. </li><li>Maintains and trains knowledge of Loss Mitigation Team practices and procedures to best aid in cross-team communication.</li><li>Serves as primary resource for knowledge of elevated account actions, insurance claims, and collateral recovery efforts to best assist with membership communication pre and post charge off. </li><li>Collaborates as necessary with other internal business units and resources to ensure a coordinated approach to loss prevention.</li><li>Partners with the VP of Loss Mitigation and Default Management in reviewing reports on delinquency trends, member interactions, and recovery efforts.</li><li>Ensures all activities are in compliance with federal and state regulations, as well as Credit Union policies, guidelines, and procedures. </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 – 9 years' experience in Consumer, Commercial, and Real Estate collections, or combination of experience and advanced education.</li><li>Minimum 1-3 years of experience in a lead or leadership role in financial services.</li><li>Practical experience analyzing consumer credit reports, income statements, and credit principles. </li><li>Demonstrated understanding of accounting principles and business financial statements and tax returns.</li><li>Demonstrated experience with credit procedures, policies, regulations and laws, in addition to knowledge of bankruptcy and consumer law. </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>BA/BS in Business Management or related field.</li><li>1 – 3 years of experience in credit underwriting, portfolio evaluation, or administration. </li><li>Prior escalated collections experience including repossession, foreclosure, and small claims management. </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>Requirements: PI270342915

Loss Mitigation Manager

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 POSITION The Branch Manager will play a crucial leadership role in ensuring the success as well as reputation of the branch. This individual will manage, oversee, and ensure excellence of day-to-day branch operations, which include but are not limited to branch opening, closing, member service and experience, transaction processing, promotion of products and services, and ensuring general required service coverage of the location. On top of managing the daily activities, a successful individual in this role will place emphasis on continual improvement of operational efficiencies as well as service quality standards, putting the members' satisfaction at the core of everything we do. At the core, the Branch Manager 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 and leads a high level of member service awareness, continually strives to exceed members' expectations and ensures the maintenance of operational proficiencies in effort to develop lasting member impressions and relationships.</li><li>Oversees branch growth and membership retention by coaching and leading well-informed advisors to discover member centric solutions.</li><li>Communicates, transfers, and demonstrates product and service knowledge to advisors. Proactively identifies areas of knowledge improvement amongst branch staff.</li><li>Coaches and manages team development to drive internal opportunities, foster teamwork, and career progression.</li><li>Effectively recruits, interviews and onboards advisors.</li><li>Oversees essential administrative functions, including but not limited to scheduling, cash orders, managing branch losses, documentation and retention, and end-of-day balancing.</li><li>Engages with community and branch partners, including Membership Development Officers, to enhance member appreciation. Facilitates timely and efficient communication between branch and home office.</li><li>Serves as escalation point for member complaints and suggestions, deploys active listening techniques to capture improvement opportunities, and treats all member cases with empathy and exceptional professionalism.</li><li>Seeks out professional development and internal networking to enhance education in the financial service industry to improve branch member experience.</li><li>Ensures branch staff's readiness to meet all pre-defined financial targets while continually serving as stewards of membership resources to maximize profitability.</li><li>Complies with regulation, policies, procedures, and operational guidelines. Proactively assesses and mitigates operational risks, ensuring compliance with regulations, audit requests, and implements security measures when appropriate.</li><li>Follows all safety and security guidelines to properly protect branch team members, members, and credit union assets.</li></ol> JOB QUALIFICATIONSHere are a few qualifications you MUST have to be qualified for this position.<ol><li>Minimum 7 – 9 years of banking/member service experience, including 1 – 3 years of managerial experience.</li><li>Strong analytical and problem-solving skills, with the ability to identify trends and develop solutions.</li><li>Demonstrated knowledge of banking procedures, including policies, laws and regulations, consumer loan origination and servicing.</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>4 – 6 years of Credit Union member service experience.</li><li>Bachelor's degree in Business Administration or relating field of study.</li><li>Experience with creating and updating policies, processes, procedures, and guidelines.</li><li>Supervisory experience within a member/customer service environment.</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: PI270070125

Civic Manager, Murphy (Branch Manager)

OverviewThe Proactive Partner. You’re a star when it comes to creating new relationships and expanding existing connections. As an expert in home finance, you enjoy being the trusted advisor and guide, while helping members find the loans that best fit their financial future. Our team at OnPoint Community Credit Union has been dedicated to making our members’ financial dreams a reality for over 80 years. Working together, we can further strengthen the mission we have for our community. We’re also devoted to being a fabulous place to work. We value your expertise as Mortgage Loan Officer and invite you to explore and grow your career with OnPoint. Responsibilities&nbsp;<ul><li>Identifies, develops and maintains a quality pipeline of member relationships that serves as a recurring source of referrals for new mortgage lending opportunities.</li><li>Attracts new mortgage loan originations by developing relationships within the community, specifically within the real estate community; making sales calls to prospective business partners.</li><li>Conducts interviews with prospective borrowers in order to analyze financial and credit reports, tax returns, verifications, etc. and determine member financing objectives, advise members of product/pricing policies and guidelines and gather any additional required information.</li><li>Ensures exceptional member service by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements.</li><li>Demonstrates a commitment to professional ethics, complying with all federal and state compliance policies and adhering to all requirements.</li></ul>Knowledge, Skills, and Abilities:<ul><li>Thorough understanding of conventional and government lending practices, policies and guidelines from origination through closing.</li><li>Must be detail-oriented.Ability to be self-directed, efficient, and meet deadlines.</li><li>Ability to manage a heavy pipeline of 40 plus loans.</li><li>Highly organized with the ability to prioritize multiple competing tasks and verbal and written communication skills.</li><li>Demonstrated math and accounting skills.</li></ul>Qualifications<ul><li>High School diploma or GED required.</li><li>Minimum of 3 years Conventional and FHA-insured real estate lending experience, with knowledge of processing underwriting and/or closing procedures.</li></ul>Compensation for this role is primarily commission-based.At OnPoint, we believe a workplace that reflects the richness of the world fosters a welcoming and empowering environment for everyone. We're committed to equity and inclusion, and consider all qualified applicants embracing every race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and your unique background.We encourage you to apply if you're passionate about this opportunity and have the core qualifications. Your unique experiences and skills are what make you a strong candidate. Don’t let imposter syndrome hold you back! Our recruitment process is designed to be inclusive and accessible to all. If you need any accommodations during the application or interview stage, please let us know. We're dedicated to providing what's necessary to ensure a fair and inclusive experience.

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