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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.&nbsp; ABOUT THE POSITIONLoss Mitigation Specialist is responsible for proactively managing delinquent accounts by contacting Credit Union members. This role involves identifying potential risks, working with members to resolve payment issues, providing repayment solutions, and implementing strategies to mitigate loan losses. NORMAL DAY-TO-DAY WORK<ol><li>Provide early and late-stage delinquency management by monitoring loan accounts and identify members who are at risk of becoming delinquent.</li><li>Proactively contact members via phone, email, or other communication methods to discuss their accounts and identify reasons for delinquency</li><li>Work with members to develop repayment plans, loan modifications, or other solutions to bring accounts current.</li><li>Ensure a consultative member approach to restructuring loans as necessary, providing direction on improving the financial outlook of the member in the future.</li><li>Accurately document all member interactions, payment agreements, and actions plans in the core collection system.</li><li>Provide members with information on financial education resources and tools to help them manage their finances and avoid future delinquencies.</li><li>Collaborate as necessary with other internal business units and resources to ensure a coordinated approach to loss prevention.</li><li>Assist the AVP of Risk Assessment and Loss Mitigation with reviewing reports on delinquency trends, member interactions, and recovery efforts.</li><li>Ensure all activities are in compliance with federal and state regulations, as well as Credit Union policies, guidelines, and procedures.&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>Minimum 4-6 years experience in consumer loan product collections, financial services or related field.&nbsp;</li><li>Must have an understanding of accounting principles and business financial statements and tax returns.</li><li>Must be knowledgeable in the process of analyzing personal tax returns, personal financial statements, and credit bureau reports.</li><li>Experience with credit procedures, policies, regulations and laws, in addition to knowledge of bankruptcy and consumer law.&nbsp;</li><li>Strong interpersonal skills with ability to work 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 required.&nbsp;</li><li>Prefer a minimum of 2-4 years of Credit Union consumer credit experience.</li><li>Knowledge of loan structuring and work-out solutions in desirable.</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:
 PI278249012

Local Government Federal Credit Union

Loss Mitigation Specialist

<h4>Company Description</h4>Enthuse is an education-led marketing agency. We’re a passionate team of marketers, educators, and instructional designers all dedicated to a singular mission – we teach the world to love our client’s brands.We’re also one of the fastest growing WBENC-certified, 100% women-owned and led marketing agencies in the United States. So,&nbsp;join us and help create&nbsp;engaging content, delivered by world-class storytellers through unforgettable experiences that drive real business results. And do so while taking pride in the fact that each year, we devote a portion of our profits to help empower other women entrepreneurs who often don’t have equitable access to resources like capital, mentorship, and community.<h4>Job Description</h4>We are seeking an Off Premise Beer Sales Representative for our Raleigh, NC territory. The Off Premise Beer Sales Representative works to ensure the success of the sale, volume, rate of sale growth, and brand presence to accelerate momentum for our premium brand within a dedicated territory. A high emphasis is placed on increasing the availability and visibility of products through distribution, display execution and cooler resets. The Off Premise Beer Sales Representative will build strong relationships with distributor personnel to ensure market goals are met.&nbsp;Here’s just a small sample of what you’ll be doing:<ul><li>Regular travel within a dedicated territory (200-mile radius) to call on multiple distributor territories</li><li>Extended travel (up to 75% of time) to additional markets in support of distributor crew drives</li><li>Taking a data driven approach to both identify new opportunities for distribution and upsell, secure multiple SKU distribution, cooler visibility and displays</li><li>Establish and maintain a regular weekly schedule of account appointments including sales calls, and distributor work-withs</li><li>Develop creative solutions to meet account specific needs identified during sales calls</li><li>Work closely with local distributor manager and distributor personnel to collaborate on goals and objectives and ensure proper product inventory&nbsp;</li><li>Maintain store shelf standards and inventory, including rotation of products, checking date codes, processing restocks and reorders as necessary according to the planogram standards. Execute point of sale (POS) programs to standard</li><li>Bring awareness to and promote our premium brands through special events, sampling, and education</li><li>Maintain open communication with field and HQ</li><li>Manage budget and maintain records for monthly reconciliation</li><li>Ensure compliance of all alcoholic beverage regulations</li></ul>The physical demands of this role require the following:&nbsp;<ul><li>Bending, squatting, crouching and reaching,&nbsp;climbing, kneeling, and stooping including to arrange and display point of sale</li><li>Frequent lifting and moving cases of product and other objects of&nbsp;50&nbsp;pounds or more</li></ul>The above is not a complete listing of all miscellaneous, incidental, or similar duties which may be required from day to day.&nbsp;<h4>Qualifications</h4><ul><li>Associates Degree required; Bachelor’s Degree preferred</li><li>Must be 21 years or older</li><li>1-3 years demonstrated sales experience, preferably of beers, wines and spirits is required</li><li>Previous retail or off-premise work experience is a plus</li><li>Must have working knowledge of Microsoft Office</li><li>Must live in assigned territory with access to reliable transportation – large vehicle preferred&nbsp;</li><li>Must have valid driver's license, registered and insured vehicle with clean driving record/background check</li><li>Must be able to lift and move cases of product frequently</li><li>Must be able to climb, kneel, and stoop to arrange and display point of sale</li><li>Must be willing to work weekends and holidays, as needed</li><li>Manage administrative tasks with attention to meeting agency compliance guidelines and standards</li></ul><h4>Additional Information</h4>The base compensation range for this job classification is between $45,000.00-$55,000.00 annually. The determination of what a specific employee in this job classification is paid depends on a number of factors, including, but not limited to, prior employment history/job-related skills and qualifications, length of service, brand program, and geographic location. This job classification is bonus eligible, with bonus potential subject to applicable bonus plan terms and conditions.This position offers incentive opportunities plus full benefits including Medical, Dental, Vision, 401k with match, PTO time and more!Enthuse Marketing is proud to be an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, age, sex, sexual orientation, gender identity or expression, national origin, citizenship, disability, genetics, pregnancy, protected veteran status or other characteristics protected by applicable federal, state, or local law.Enthuse is committed to providing reasonable accommodations to qualified individuals with disabilities and for other reasons in the employment application and hiring process, in accordance with applicable law. To request an accommodation please contact&nbsp;<a href="mailto:recruitment@inspiramarketing.com" target="_blank">recruitment@inspiramarketing.com</a>.

ENTHUSE

Off Premise Beer Sales Representative- Raleigh, NC

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 Payments Processor is responsible for accurately and efficiently posting physical loan payments received for consumer loan products, including credit cards, HELOCs, personal loans, and first mortgages. This role also assists in processing lockbox payment files and supports daily reconciliation of payment activity. The Loan Payments Processor helps maintain accurate member records by ensuring all payments are applied in accordance with loan terms and internal procedures. This position also assists with payoff support, returned payments, and documentation review in coordination with Loan Operations and Collateral Management. NORMAL DAY-TO-DAY WORK<ol><li>Post incoming physical loan payments to the appropriate accounts, including payments for credit cards, HELOCs, first mortgages, and unsecured consumer loans.</li><li>Review and assist with processing daily lockbox payment files by validating payment details and applying batch payments through the core system.</li><li>Verify payment amounts and due dates to ensure proper allocation of principal, interest, and escrow (if applicable).</li><li>Identify and escalate payment exceptions such as missing account numbers, overpayments, or duplicate submissions to the Senior Loan Payments Processor or Consumer Loan Operations Manager.</li><li>Respond to internal inquiries regarding payment status, posting corrections, and returned items.</li><li>Assist in researching member payment issues by reviewing account history and payment documentation.</li><li>Support the processing of loan payoffs by generating payoff requests and ensuring account activity is frozen once paid in full.</li><li>Prepare and maintain documentation for payment batches, corrections, and exception tracking in accordance with audit requirements.</li><li>Scan and index physical payment documents and correspondence for record retention. Follow up on missing or incomplete payment information as needed.</li><li>Participate in cross-training and supports other servicing tasks within the Loan Payments area.</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 loan servicing, payment processing, or back-office financial operations.</li><li>Knowledge of consumer loan payment application methods, including amortized and revolving credit structures.</li><li>Familiarity with basic reconciliation and audit trail documentation.</li><li>Ability to follow established procedures and prioritize daily payment activity.</li><li>Attention to detail and accuracy in handling member financial data.</li><li>Basic computer proficiency, including use of core banking or servicing systems and document imaging tools.</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>Prior experience with credit union systems such as DNA, or similar system.</li><li>Familiarity with lockbox processing and batch reconciliation.</li><li>Understanding of payoff request workflows and collateral release timelines.</li><li>Ability to identify and research payment discrepancies independently.</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:
 PI278062179

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 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

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

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