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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.JobFamilyOnPoint MortgageJobFunctionOnPoint MortgagePayTypeHourly

OnPoint Community Credit Union

Mortgage Loan Officer - Johnson Creek

<h4>JOB SUMMARY:</h4>The Assistant Manager, Real Estate Collections, plays a critical role in supporting the credit union’s efforts to reduce delinquency and minimize risk across the residential real estate loan portfolio, including mortgages and home equity loans. This role assists in managing the real estate collections team and is responsible for all stages of the real estate collections process, including loss mitigation and default servicing guidelines for GSE loans. The Assistant Manager ensures compliance with OnPoint’s internal policies, as well as state and federal regulations.This position fosters a culture of collaboration and professional development by leading, coaching, and cross-training collections staff. The role also involves monitoring performance metrics, promoting member-centered service, and driving operational efficiency to meet departmental goals related to both quality and productivity.<h4>ESSENTIAL FUNCTIONS:</h4><h4>·&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Track and manage delinquent residential real estate loans; identify and escalate high-risk accounts for legal action, foreclosure, or charge-off as appropriate.</h4><ul><li>Review aging and performance reports, evaluate account histories, and recommend collection strategies aligned with OnPoint's risk management policies.</li><li>Lead and support collections team members through coaching, performance planning, training, and ongoing feedback.</li><li>Set clear team goals, monitor progress, and implement development plans to drive high performance and staff engagement.</li><li>Conduct regular one-on-one meetings to promote personal and professional growth.</li><li>Promote a culture of teamwork, collaboration, and open communication, ensuring consistency in policy enforcement and service delivery.</li><li>Ensure departmental workflows are efficient through ongoing cross-training and workload balancing.</li><li>Model and reinforce a strong commitment to exceptional member service in all collection interactions.</li><li>Monitor trends and changes in collections volume; collaborate with the Director of Collections to analyze data and adjust strategies as needed.</li><li>Oversee foreclosure and modification recommendations in collaboration with the Director of Collections.</li><li>Maintain up-to-date knowledge of legal and regulatory requirements related to real estate loan collections.</li><li>Collaborate with Collections Leadership to develop and continuously improve policies and procedures for the department to maximize productivity and efficiency while mitigating losses and expenses.</li><li>Act as a collections administrator for the real estate servicing systems (LMS and MSP).</li><li>Perform additional duties or special projects as assigned by management.</li></ul>KNOWLEDGE, SKILLS &amp; COMPETENCIES:<ul><li>Proven leadership skills with the ability to coach, mentor, and motivate a team.</li><li>Extensive knowledge in real estate loss mitigation and default servicing guidelines is required.</li><li>Technical knowledge of collection systems, including Temenos, LMS, and MSP, with the ability to troubleshoot and resolve issues within these systems.</li><li>Strong judgment, discretion, and professionalism when handling sensitive member and account information.</li><li>Analytical problem-solving abilities, especially in evaluating account risk and developing resolution strategies.</li><li>Excellent organizational skills; able to manage multiple priorities and deadlines for both self and team.</li><li>Effective verbal and written communication skills for working with members, staff, and external partners.</li><li>Proficient with standard business applications, including Microsoft Word, Excel, and database tools; ability to interpret reports and support data-driven decision-making.</li></ul>QUALIFICATIONS:<ul><li>High school diploma or equivalent required. </li><li>Bachelor’s degree is preferred.</li><li>In-depth knowledge of collection policies, loan servicing, foreclosure processes, and applicable laws (e.g., FDCPA, RESPA, CFPB regulations).</li><li>Minimum of 2-3 years of supervisory experience with demonstrated people/management skills.&nbsp; </li><li>Minimum of 5 years of real estate collection experience.</li><li>Experience within a financial institution is preferred.</li><li>Experience with MSP and Temenos is preferred. </li><li>Proven effective written and verbal communication skills.</li></ul>JobFamilyCollectionsJobFunctionCollectionsPayTypeSalary

Assistant Manager, Real Estate Collections

SUMMARY: &nbsp;Secures information and data assets across the enterprise in accordance with defined organizational security requirements. Maintains and improves existing security architecture while providing strategic leadership to improve system protection and coverage. Leads the Information Security Architecture Team in developing and refining security standards and procedures. Collaborates within INFOSEC and to external lines of business to optimize the Information Security Program and security services.ESSENTIAL DUTIES AND RESPONSIBILITIES:<ul><li><ul><li>Collaborates with senior management to align security strategies with business requirements.</li><li>Maintains regular communication with senior management to report on security needs, priorities, recommendations, risks and opportunities. </li><li>Responsible for architectural oversight of all information security systems; contributes to the Information Security Program as well as resulting initiatives and roadmaps. </li><li>Delivers strategic direction as well as technical expertise in information security management, infrastructure architecture and regulatory requirements. </li><li>Leads the assessment of information security risks for vendors, platforms, applications and services for existing and new systems as part of the project initiation process. </li><li>Assumes overall responsibility for establishing and updating internal security requirements, standards, policies and processes; maintains documentation on information security operations and process descriptions. </li><li>Collaborates with business units, IT partners, Enterprise Risk Management and Compliance team members to support, remediate and plan for audit and certification requirements from various regulatory agencies. </li><li>Provides leadership and guidance to the Information Security Architecture Team.</li></ul></li></ul>QUALIFICATIONS (Education, Experience, Knowledge, Skills &amp; Ability):<ul><li><ul><li>Bachelor’s or Master’s Degree in computer science, information systems or other related fields with 10 years of in-depth information security experience in infrastructure/network, on-premise applications, cloud-based services and multiplatform environments; or equivalent work and training experience.</li><li>Financial services industry experience preferred.</li><li>3+ years of expertise in architecture and design of security standards and procedures development, security education, vulnerability assessments, risk analysis and compliance testing.</li><li>Recognized Information Security Certification(s) are required, such as TOGAF, CISSP, CISM, CISA, CRISC, CCSK, CCSP, ITIL, AWS, AZURE, others.</li><li>Knowledge of Compliance and Regulations (ISO, NIST, FFIEC, FDIC and PCI-DSS).</li><li>Must also demonstrate conduct consistently with our Corporate Values.</li></ul></li></ul>PHYSICAL DEMANDS - The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.While performing the duties of this job, the employee is frequently required to stand; sit and talk or hear. The employee is occasionally required to walk; use hands to finger, handle, or feel; reach with hands and arms; climb or balance; stoop, kneel, crouch, or crawl and taste or smell. The employee must occasionally lift and/or move up to 50 pounds. Specific vision abilities required by this job include color vision to identify colored labels, cables, and indicator lights.Use of computer workstations at desk height and use of server consoles while standing. Installation, removal or termination of cabling, in communications closets and office settings. Occasional use of ladder to reach cables or hardware in ceilings or near top of computer hardware racks. Installation or removal of computer hardware into server racks.WORK ENVIRONMENT - The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.The noise level in the work environment is usually moderate.This job description is not designated to cover or contain a comprehensive listing of responsibilities, duties or activities that are required of the employee for this job.&nbsp; Responsibilities, duties and activities may change at any time with or without notice.&nbsp; Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.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. JobFamilyTechnologyJobFunctionTechnologyPayTypeSalary

Information Security Architect, Sr

<h4>JOB SUMMARY:</h4>The Director, Compliance (“Director”) will oversee and strengthen OnPoint’s Compliance Management System (“CMS”), under the direction of the Chief Compliance Officer (“CCO”). The Director will ensure compliance with all applicable federal, state, and local laws and regulations in alignment with the credit union’s future growth and culture of compliance. The Director will support the CCO in leading a collaborative regulatory compliance advisory team that provides ongoing expert guidance to all internal and external partners. The Director will support the ongoing maturity of OnPoint’s compliance processes and technology, focusing on operational efficiencies that mitigate compliance risk. The Director will provide regulatory compliance consultation and help develop and implement appropriate compliance policies across the credit union. <h4>Responsibilities:</h4> <ul><li>Lead and support Departmental Compliance Officers, providing feedback and managing projects related to specific departmental compliance requirements, including risk assessments, quality control reviews, product reviews, service offerings, and regulatory trainings, ensuring they align with all appropriate compliance rules, regulations, standards, controls, and the credit union’s overall risk appetite.</li><li>Provide Departmental Compliance Officers with guidance and training to enhance efficiency and productivity of compliance workflow and ensure departmental objectives are met.&nbsp; </li><li>Maintain and provide expert level knowledge related to federal and state consumer financial protection compliance regulations, laws, and guidance.</li><li>Independently perform necessary investigations resulting from elevated concerns related to consumer financial protection compliance requirements. </li><li>Assist in tracking and preparing clear and concise monthly reporting related to, but not limited to, departmental inquiries, projects, training, regulatory changes, and other services provided to departments.</li><li>Direct the annual review of policies, disclosures, procedures, standards, and guidelines, ensuring they align with all appropriate compliance rules, regulations, standards, controls, and the credit union’s overall risk appetite. This includes enterprise compliance policies and those specific to the Compliance Department. The Director will engage the Legal Department and others as appropriate. </li><li>Lead the quarterly review of all member facing materials (e.g., disclosures, forms, member letters) in collaboration with various credit union departments.</li><li>Collaborate with various departments across the credit union to perform regular reviews of all existing and new products, services, technologies, etc. to ensure adherence to all federal and state compliance requirements. </li><li>Collaborate with all internal and external parties for the purposes of audits, examinations, or consulting projects on behalf of the Compliance Department. </li><li>Monitor external resources for emerging state and federal regulatory compliance trends and changes, overseeing analysis and dissemination of information to applicable business units.</li><li>Manage Regulatory Change Management by conducting and documenting thorough analysis of all state and federal consumer financial protection laws, regulations, guidance, etc. and how they impact the credit union. </li><li>Collaborate to provide thorough complaint-related investigations, and to track identified issues, including identification of the level of concern and root cause, risks, recommendations, and appropriate remediation. This includes proper documentation and analysis of the issue to identify the root cause, risks, recommendations, and remediation when appropriate.</li><li>Maintain effective communication with all department partners and leadership so all stakeholders are informed about compliance requirements and are able to work together to mitigate compliance risk exposure. </li><li>Report to the CCO on a regular cadence, providing status updates related to the Director’s oversight.</li><li>Lead and participate on committees and teams as needed.</li><li>Support miscellaneous compliance and risk management projects as requested by the CCO.</li><li>Facilitate the creation of regulation-specific trainings led by Departmental Compliance Officers for specific credit union departments. Perform the annual review of the credit union’s required regulatory compliance trainings and update the training department accordingly. </li></ul>KNOWLEDGE, SKILLS, AND ABILITIES:<ul><li>Broad knowledge of financial services, deposit, and lending compliance laws and regulations (e.g., TILA/Regulation Z, TISA, UDAAP, FDCPA, ECOA/Regulation B, Regulation CC, and FCRA).</li><li>Ability to interpret complex literature and regulations, and apply these concepts to credit union activities, and communicate requirements with all levels across the organization. </li><li>Strong analytical skills to identify issues, conduct research, and interpret data from various sources, and track and resolve trends and issues across the organization.</li><li>The ability to communicate succinctly and effectively, both orally and in writing, with stakeholders at all levels of the organization. </li><li>Significant level of diplomacy, professional ethics, and confidentiality. Ability to create rapport, build trust, influence, and develop strong relationships with internal and external stakeholders. </li><li>Ability to work independently and within a team. </li><li>Strong organizational, time management, and project management skills to oversee a wide range of compliance functions.</li><li>A dedication to integrity, quality results, meeting deadlines, following laws and regulations, and a culture of compliance.</li><li>Occasional travel.</li></ul><h4>QUALIFICATIONS:</h4> <ul><li>B.A./B.S. in business or equivalent; MBA or JD preferred.</li><li>10+ years of relevant experience in compliance, auditing, or related fields. </li><li>5+ years of leadership experience in compliance, risk management, audit, and regulatory examination processes and activities required.</li><li>Experience managing or supervising consumer financial protection compliance for a $10 billion asset size or larger financial institution preferred.&nbsp; </li><li>Demonstrated knowledge of federal and state financial consumer protection regulations and related rules and guidance, including Certified Regulatory Compliance Manager (CRCM) designation or equivalent or the ability to obtain appropriate certification within one year. </li></ul>OnPoint Community Credit Union is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability, or veteran status, among other factors.JobFamilyComplianceJobFunctionCompliancePayTypeSalary

Director, Compliance

OverviewWorking under the direction and guidelines established by the VP/Commercial Credit Administration, the Commercial Loan Administrator supports the processing, servicing, and documentation of commercial loans. Exercises discretion and makes independent decisions within their authority, addressing and elevating servicing issues. Functions as part of a team and individually in a fast-paced, high-volume work environment. Ensures a high level of professional service to internal partners as well as business members.Responsibilities<ul><li>Communicates effectively with borrowers and Commercial Relationship Managers to collect necessary information provide status updates while providing a high level of service. </li><li>Verifies and reviews title reports to ensure appropriate title insurance coverage</li><li>Communicates with title companies and coordinates loan closings</li><li>Order and analyze title insurance commitment reports, including title exceptions and endorsements. Prepares closing statements and title/escrow instructions</li><li>Responsible for the accurate and timely preparation and/or ordering of commercial loan documents</li><li>Assists with the funding and boarding of loans</li><li>Performs quality control review for accuracy for loan documentation and note boarding ensuring consistency within OnPoint guidelines</li><li>Creating and maintaining loan files while ensuring compliance with established guidelines and policies</li></ul>Knowledge, Skills &amp; Abilities<ul><li>Strong written and verbal communication skills</li><li>Ability to be a self-starter and take ownership of various processes</li><li>Self-motivated to learn and grow within the position </li><li>Proficiency in Microsoft Office, specifically Word and Excel required</li><li>Demonstrated ability as a team player</li></ul>Requirements<ul><li>High school diploma required </li><li>Bachelor’s Degree in Finance, Business, or related field preferred.</li><li>1-3 years’ experience in the Commercial Real Estate appraisal process </li><li>1-3 years’ experience in the Commercial Real Estate closing process</li><li>Knowledge and experience complying with State and Federal regulations</li></ul>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.&nbsp;JobFamilyCommercial Credit AdminJobFunctionCommercial Credit AdminPayTypeSalary

Commercial Loan Administrator

OverviewFair and Responsible Banking practices encompass all aspects of OnPoint Community Credit Union (“OnPoint”) operations, including establishing memberships, offering and extending deposit and loan products and services, marketing and communication, and account servicing and collection practices. This position will assist the VP/Chief Compliance Officer by leading the OnPoint’s efforts as they relate to Fair and Responsible Banking, encompassing fair lending, equal access to financial services and avoiding discriminatory practices. This individual will serve as a leader in the continuous development of comprehensive fair lending data analysis, which may also include deposit and lending-related compliance, research fair and responsible banking issues, and possesses an expert understanding of the Fair Housing Act (FHA), Equal Credit Opportunity Act (ECOA) and Unfair, Home Mortgage Disclosure Act (HMDA), and Unfair, Deceptive or Abusive Acts and Practices (UDAAP).&nbsp; &nbsp; &nbsp; Essential functions<ul><li>Supports the VP/Chief Compliance Officer in the continued development of compliance policies and programs, ensuring adherence to regulatory agency directives, memoranda, interpretive rulings, laws, and regulations affecting the OnPoint. Maintains current knowledge of all federal and applicable state laws and regulations, along with Credit Union policies and procedures.</li><li>Leads, supports, motivates, and provides coaching and development opportunities appropriate to the Compliance team needs, as applicable related to Fair &amp; Responsible Banking.</li><li>Supports individual and team growth through focused and consistent coaching to further develop regulatory acumen, technical expertise, and internal customer service.</li><li>Creates fair lending reports, including critical analysis and actionable tasks, to be provided to management and the Board of Directors.</li><li>Supervises the complaints team and the complaints process to identify root causes for potential regulatory compliance risks and weaknesses in policies and procedures.</li><li>Stays current on industry standards, trends, and proposed and actual changes relating to relevant compliance topics.</li><li>Drafts and updates Fair and Responsible Banking risk assessments, including Fair Lending and UDAAP.</li><li>Oversees monitoring and testing related to Fair and Responsible Banking.</li><li>Responsible for managing HMDA data collection and regulatory filings, ensuring accurate and timely reporting.</li><li>Analyzes new products, services, and third-party partnerships for Fair and Responsible Banking practices.</li><li>Supports Credit Union audit and examination processes.</li><li>Partners to review marketing messages and materials for compliance, including Fair Lending and UDAAP, and suggests edits as needed.</li><li>Performs other tasks as the VP/Chief Compliance Officer assigns.</li></ul>Knowledge, Skills &amp; Competencies<ul><li>Thorough knowledge of Fair Lending and UDAAP laws and regulations impacting the OnPoint.</li><li>Excellent verbal and written skills to effectively communicate complex legal and regulatory issues clearly to all levels of the organization. Ability to provide concise, professional written documentation and recommendations in response to compliance research requests.</li><li>Must possess proven leadership skills with the ability to influence key decision-makers, collaborate across business lines, and lead other compliance department professionals.</li><li>Strong analytical and problem-solving skills.</li><li>Demonstrated knowledge and experience with mining and using data from automated lending platforms. Experience with Loans PQ loan origination system, Meridian, DNA or similar core operating system(s), Encompass, MSP or similar mortgage lending origination and servicing systems a plus.</li><li>Demonstrated strong organizational skills, with the ability to prioritize and coordinate various assignments simultaneously.</li><li>Ability to work effectively with various teams, exhibiting strong interpersonal skills.</li><li>Identify tasks and create and manage a project plan in coordination with other departments.</li><li>Ability to identify potential compliance vulnerability and risk areas and make recommendations.</li><li>Strong knowledge and proficiency with Microsoft Office Suite, specifically Excel.</li></ul>Minimum Qualifications<ul><li>7-10+ years of relevant Fair Lending, UDAAP, or other relevant experience, including risk assessment, testing, analysis, and reporting.</li><li>3-5 years of leadership or management experience in a compliance environment.</li><li>Bachelor’s Degree in Finance, Business, or related field is preferred.</li><li>Certified Regulatory Compliance Manager (CRCM) certification, Credit Union Compliance Expert (CUCE) designation, or NAFCU Certified Compliance Officer (NCCO) designation is preferred.</li></ul>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.

26 OnPoint Community Credit Union Jobs