Opportunity

Here at San Francisco Fire Credit Union we serve those who serve our communities: the brave men, women and families of fire departments.

About Us

Here at San Francisco Fire Credit Union we serve those who serve our communities: the brave men, women and families of fire departments.

As an employee, your energy and commitment allows them to continue helping and saving others. Sure we have a competitive compensation and benefits package, but the true reward of working here can’t be spent in a day. It’s knowing you belong to an organization that watches out for you and cares about your professional and personal growth.

Open Positions:

Financial Services Consultant (Branch)

Financial Services Consultant (Contact Center)

Licensed Financial Advisor

Lending Quality Control & Document Specialist

Business Analyst, Lending

VP Commercial Lending

VP Controller

Collections Officer

Senior Commercial Loan Officer and Underwriter

Mortgage Loan Consultant

Real Estate Loan Closing and Servicing Specialist


Financial Services Consultant (Branch)

Summary:
Financial Service Consultants are accountable for handling all in-person requests from our members including transaction processing, account updates, new account openings, new loan interviewing and processing, and cross-selling the appropriate credit union products and services, while consistently meeting the service standards established by the Credit Union.

Essential Duties

Level I

  • Maintains a thorough knowledge of all Credit Union products and services, and uses this knowledge to cross-sell appropriate products and services to members to maximize the member’s relationship
  • Creates Elationships with members by going the extra mile, completing tasks on or before assigned deadlines, and anticipating needs
  • Maintains the Credit Union’s tradition of excellence by taking ownership of member issues, being count-on-able, seeking solutions first, and through accurate transaction processing and dissemination of information
  • Contributes to a team environment by showing respect and support for each other, practicing positive and respectful workplace communication techniques, and by living up to your commitments
  • Completes training programs in accordance with your personal development plan
  • Performs accurate transactions on existing savings, checking, certificate, consumer loan, real estate loan and credit card accounts in accordance with standard operating procedures and regulations
  • Negotiates checks presented against an account and applies applicable holds on checks based on established guidelines
  • Operates assigned cash can and teller’s sub-vault within established guidelines
  • Processes new savings and certificate accounts
  • Assists members in completing most Credit Union supplied forms
  • Creates temporary checks for members as required
  • Assists members with debit card re-pinning and ATM machine usage
  • Processes authorized data changes on the membership and account level
  • Researches and resolves basic member inquiries related to all Credit Union accounts, products and services
  • Practices the Credit Union’s service standards
  • Completes assigned reports, tasks and projects within established guidelines and timeframes
  • Performs shared branch transactions for non-members
  • Performs other work as requested by the Branch Manager

Level II

  • Performs all the duties of a Financial Service Consultant I without supervision
  • Meets established individual and team sales and service goals
  • Processes new membership applications including the opening of all associated accounts
  • Processes consumer loan applications including applicant interview, review and evaluation of application, decision recommendation to the Loan Officer, and notification of loan decision to member
  • Processes new IRA, trust, UTTMA and business accounts
  • Researches and resolves complex member’s inquiries related to all Credit Union accounts, products and services
  • Acts as vault teller as required
  • Operates the branch greeter station as required
  • Notifies Branch Manager of any service concerns by being attentive to branch volume and service levels in the branch

Level III

  • Performs all the duties of a Financial Service Consultant II without supervision
  • Assists staff or members with difficult transactions and escalated “challenges”
  • Maintains a thorough knowledge of IRA, trust, UTTMA and business account products
  • Assists the Branch Manager with the administration of the Branch. This includes keeping staff current on new procedures and policies, monitoring call volume and patterns, managing staff scheduling, and ensuring service standards are being met
  • Supports the administration of the Branch in the absence of the Branch Manager

Qualification Requirements
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Multi-tasking ability is a must.

Education and/or Experience
High school diploma or general education degree (GED) required; plus at least one year related experience and/or training; or equivalent combination of education and experience. Previous cash handling experience in a financial institution is preferred.

Language Skills
Ability to read and comprehend verbal and written instructions. Ability to write basic business communications to members and employees.

Reasoning Ability
Ability to define problems, collect data, establish facts, and draw valid conclusions.

Math Skills
Ability to reconcile member and general ledger accounts. Ability to calculate figures and amounts such as interest, dividends and percentages. Ability to apply concepts of basic algebra.

Computer Skills
Ability to operate a personal computer in a Windows environment. Experience with Ultradata/FSP and Microsoft Office applications preferred.

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. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to talk or hear. The employee is required to sit, stand and walk; use hands to finger, handle, or feel objects, tools, or controls; and reach with hands and arms. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include the ability to adjust focus.

Work Environment
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually quiet

To apply please follow this link. We also respectfully ask that those interested in this position to NOT CONTACT US BY PHONE, as the increased call volume has a negative impact on the level of service we are able to provide our members.

Financial Services Consultant (Contact Center)

Summary:

Our Contact Center Representatives or “Financial Service Consultants” handle all remote communications from our members including telephone calls, postal mail, Internet mail and web chats. This involves answering account inquiries, processing financial transactions, and cross‐selling the appropriate credit union products and services, while consistently meeting the service standards established by the SF Fire Credit Union. Our contact center is located in our Mint Plaza location in downtown San Francisco.

Essential Duties & Responsibilities:

  • Promptly answer all calls and/or chats in a polite manner
  • Work collaboratively with Members to uncover and fulfill needs
  • Open all types of accounts including checking, savings, CD’s and IRAs
  • Accept consumer loan applications, forwarding complete application to loan officer
  • Resolve complex member inquiries related to all Credit Union accounts, products and services
  • Reach out to Members as directed for special projects
  • Notify contact center manager of any service concerns while being attentive to call volume and service levels
  • Meet established individual and team sales and service goals

Requirements

  • High school diploma or GED plus at least 2 years of related experience and/or training
  • Ability to effectively multi-task
  • Ability to calculate figures and amounts such as interest, dividends and percentages
  • Ability to write basic business communications to members and employees
  • Experience with MS Windows and MS Office
  • Call center experience in a financial institution is preferred
  • Must be available to work Saturday shifts as needed
To apply please follow this link. We also respectfully ask that those interested in this position to NOT CONTACT US BY PHONE, as the increased call volume has a negative impact on the level of service we are able to provide our members.

Licensed Financial Advisor

Summary

*San Francisco Fire Credit Union through its partnership with CUSO Financial Services, L. P. (CFS) is seeking a Licensed Financial Advisor to provide retirement and investment services to its member base in the San Francisco area.

When you join San Francisco Fire Credit Union and CFS, you enjoy numerous benefits:

  • Warm leads: Partner with branch staff and enjoy warm leads, referrals, and already-established credibility within your local community
  • Large opportunity: Easily tap into the credit union’s member base to find new clients
  • No proprietary products: Recommend and sell whatever products best meet your clients’ needs
  • Concierge service support: Receive exceptional support from back office employees with an advisor to support staff ratio of just 5:1

CFS (Member FINRA/SIPC) is a broker-dealer and RIA with a stable, 20-year track record of serving the investment needs of credit unions and their members. We’re ranked as one of the top broker-dealers in the industry and we work with some of the top financial institutions in the country. We invite you to join our winning team!

Desired Qualifications

  • Licenses and Registrations: FINRA Series 7, 63 and 65 or 66 and Insurance license required
  • Clean U-4 and Background
  • Two or more years of sales experience in the financial services industry, preferably in a bank or credit union
  • Certified Financial Planner designation preferred (CFP)
  • College Degree preferred

Representatives are employed by San Francisco Fire Credit Union and registered through CFS (Member FINRA/SIPC).  To learn more about CUSO Financial Services, L.P. visit www.cusonet.com

To Apply Please click here to fill out the online application


Lending Quality Control & Document Specialist

Summary:

The Lending Quality Control & Document Specialist will ensure all loans are compliant with our internal credit policy, procedures, investor requirements, and applicable laws and regulations prior to funding and after closing. Reporting to the VP of Real Estate, you will be responsible for supporting the Business Services, Consumer Lending and Real Estate departments. You will play an integral part in ensuring that we provide an exceptional Member experience.

Essential Duties & Responsibilities:

  • Responsible for all aspects of the Business Services, Consumer Lending and Real Estate audit processes and procedures, in partnership with Internal Audit
  • Perform periodic Quality Control testing and review of loan files including testing for TRID- related conformity, ability-to-repay and qualified mortgage certification and continuous review of HMDA
  • Document, communicate, address and resolve QC findings
  • Review, create and revise lending documents, processes and procedures as necessary
  • Assist with implementing operational policies and procedures to ensure compliance with all loan production and servicing requirements
  • Interact with auditors and other business units to correct any items discovered through quality control process
  • Make recommendations to maximize the accuracy and effectiveness of the entire loan and document control process
  • Design and implement standardized reporting to identify quality and process deficiencies relating to risk and financial impacts
  • Organize records in a manner that supports easy retrieval of loan files requested by Auditing, Compliance and Examiners
  • Ensure data integrity in the loan origination system

Education and/or Experience:

  • 3+ years of quality control, document review and preparation experience in a lending environment
  • NMLS registration required
  • Working knowledge of the business, consumer and mortgage lending processes
  • Significant exposure to income and credit analysis, property appraisal, title work, disbursement
  • Bachelors degree preferred
To apply please follow this link. We also respectfully ask that those interested in this position to NOT CONTACT US BY PHONE, as the increased call volume has a negative impact on the level of service we are able to provide our members.

Business Analyst, Lending

Summary:
As the Lending Business Analyst, you will report directly to the CLO and work closely with the business lending units to understand the current processes, as well as pain points, and design, develop, document and test activities within the department. Perform and present data-driven analysis to influence strategic decisions within the department.

Essential Duties & Responsibilities:

  • Perform financial analysis of business lending units and identify, prioritize and implement solutions for the department
  • Document business requirements, create use cases and functional specifications
  • Analyze reporting results against established metrics and identify anomalies and trends
  • Assist in developing metrics, forecasting and supporting business initiatives
  • Represent the team by serving as a key contact for the business unit
  • Complete, maintain, and communicate detailed reporting models (including charts and pivot tables) to senior management
  • Attend training and seminars as necessary

Education and/or Experience:

  • 5 years of experience in a role that required extensive analysis and financial modeling
  • Bachelor’s degree required
  • Comfort with reporting across a variety of metrics and different departments
  • Extensive knowledge of business statistics and ability to leverage systems technology to evaluate trends 
  • Creativity and desire to bring data to life
  • General knowledge of finance and accounting as related to loan and deposit products
  • Great attention to detail
  • Extensive experience with Power Point, Excel and Access
  • Professional services and/or financial services experience highly desired
To apply please follow this link. We also respectfully ask that those interested in this position to NOT CONTACT US BY PHONE, as the increased call volume has a negative impact on the level of service we are able to provide our members.

VP Commercial Lending

Summary:
The VP of Commercial Lending will be responsible for the success of the Credit Union’s Commercial Lending department. Reporting directly to the CLO, you will analyze and develop innovative products, services and delivery methods to ensure that SFFCU is meeting members’ needs and the credit union’s business lending goals while maintaining the highest industry level of member service.

Essential Duties & Responsibilities:

  • Oversee and direct the commercial lending functions to meet business product, business loan portfolio-mix and other credit union goals
  • Establish relationships with clients interested in business services
  • Evaluate and manage the business loan portfolio, loan administration, and risk
  • Develop relationships with other credit unions, review and recommend potential business loan participations
  • Implement annual budget plan
  • Ensure that product / service development projects are analyzed, developed, tested, documented and staff training is completed prior to launch
  • Analyze loan rates and pricing for competitiveness and profitability, and make recommendations for changes as needed
  • Maintain current knowledge of complex laws and regulation changes that impact the credit union and recommend policy changes as needed to ensure compliance
  • Hire, train, mentor and manage staff to meet the needs of the Business Services Department

Education and/or Experience:

  • 10+ years of related experience
  • Bachelors degree in business management / administration required; MBA a plus
  • Extensive knowledge of commercial and real estate lending practices and procedures
  • Experience analyzing business financial statements and assessing the viability of a business
  • Excellent communication and PR skills; ability to work with a diverse group of customers and staff

To apply please follow this link. We also respectfully ask that those interested in this position to NOT CONTACT US BY PHONE, as the increased call volume has a negative impact on the level of service we are able to provide our members.


VP Controller

Summary:
As the VP Controller, you will oversee the Accounting Department and the direction, mentoring, motivation, and evaluation of all Accounting Department staff.  In this role, it will be important to maintain an effective and robust financial internal control system and support organizational and strategic goals. You will lead the day-to-day operations of the Accounting Department ensuring efficient, accurate, and compliant financial accounting and reporting.  

Essential Duties & Responsibilities:

  • Ensure financial reports are prepared in accordance with GAAP and NCUA regulations and reconcile all general ledger and subsidiary accounts
  • Monitor and analyze monthly operating results against budget, and proactively communicate and address budgetary issues with Senior Management
  • Ensure ongoing A/P, A/R, Fixed Assets, G/L, Reporting, and Reconciliation activity is efficiently carried out by the department
  • Complete call report and other regulatory reporting on a timely and accurate basis
  • Help implement and manage regular audit processes to ensure quality and accuracy
  • Oversee and support annual external financial statement audit
  • Assist with preparation of regulatory exams
  • Monitor and research new accounting developments from authoritative bodies (FASB, AICPA, NCUA); identify any financial impact to the Credit Union

Requirements

  • Bachelor’s degree in business administration, accounting, or finance required
  • Previous Accounting or Auditing management experience with 8+ years in a leadership role
  • Management experience in a Credit Union or Financial Institution environment
  • Certified Public Accountant (CPA) required
  • Working knowledge of GAAP, regulatory practices, and automated accounting systems
  • Strong writing skills including the ability to prepare financial highlights and extensive written documentation on financial reports

Preferred

  • Ability to effectively present information in one-on-one and group situations
  • Ability to lead and motivate teams and delegate / direct individual work
  • Strong understanding of corporate accounting issues within Banking/Financial Services
  • Knowledge of Windows Office including Word, Powerpoint, and Excel

To apply please follow this link. We also respectfully ask that those interested in this position to NOT CONTACT US BY PHONE, as the increased call volume has a negative impact on the level of service we are able to provide our members.


Collections Officer

Summary:
The collections officer provides financial counseling to members with respect to repayment schedules, securities, and loan issues. In this role, you will communicate with members by following up on delinquent loan, VISA and share draft accounts by telephone, e-mail, personal contact, and written correspondence.

Essential Duties & Responsibilities:

  • Perform credit investigations
  • Review status of delinquent accounts and initiate collection action
  • Recommend accounts for legal action and initiate repossessions as authorized
  • Maintain proper records of all actions taken
  • Recommend accounts for charge off
  • Provide information on credit union loan policy to members
  • Provide pay-off figures
  • Prepare correspondence for mailing
  • Cross-sell all services of the credit union
  • Answer members’ inquiries regarding savings and loan programs
  • Coordinate the sale of repossessed vehicles for credit union
  • Follow policy and procedures related to Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Customer Identification Program (CIP) and Customer Due Diligence (CDD) daily to ensure compliance with current regulations

Requirements

  • High School diploma or GED required
  • At least one year related experience
  • Ability to write professionally in business communications to members and employees
  • Ability to multi-task effectively

To apply please follow this link. We also respectfully ask that those interested in this position to NOT CONTACT US BY PHONE, as the increased call volume has a negative impact on the level of service we are able to provide our members.


Senior Commercial Loan Officer and Underwriter

Summary:
The Senior Commercial Loan Officer will oversee, manage and supervise a large portfolio of commercial loans with the overall objective of maintaining and increasing asset quality. The ideal person will actively engage in business development with contacts throughout the community to expand existing business and grow the Credit union’s client base.

Essential Duties & Responsibilities

  • Develop lending and deposit business for the company
  • Take applications for commercial loan business, fully underwrite and document credit requests
  • Review and assess member’s financial condition and ability to rep-pay the loan
  • Establish the structure of the loan, including pricing terms and duration
  • Ensure loan documentation completion and close loans
  • Approve loans within limits or refer to committee for approval
  • Troubleshoot and resolve internal and external inquiries
  • Maintain credit quality to minimize exceptions and prevent past dues and charge offs

Requirements

  • 5+ years of commercial lending and underwriting
  • Extensive knowledge of Bank Secrecy Act, Patriot Act and Office of Foreign Assets Control
  • Excellent communication and PR skills; ability to work with a diverse group of customers and staff

Preferred

  • Bachelors degree in finance, accounting or similar
  • Experience marketing business banking services in the local community

To apply please follow this link. We also respectfully ask that those interested in this position to NOT CONTACT US BY PHONE, as the increased call volume has a negative impact on the level of service we are able to provide our members.


Mortgage Loan Consultant

Summary:
We are looking for a Mortgage Loan Consultant to help us better serve our Members. The ideal candidate will establish and maintain effective working relationships with a diverse group of people including Members, vendors and other Credit Union employees. You will recommend loan products and other services that are in the best interest of the Member. You will also ensure exceptional Member service by maintaining timely communication with Members throughout the loan process and having a thorough knowledge of lending programs, policies, procedures, and regulatory requirements.

Essential Duties & Responsibilities

  • Provide a superior level of service to our Members by promoting SF Fire Credit Union’s various lending programs to members and real estate agents
  • Interview prospective Members to analyze financial and credit data, determine Member financing objectives, review product/pricing policie sand guidelines, and negotiate loan terms and conditions
  • Review and document the loan file and ensure compliance
  • Resolve routine title, appraisal, credit and other issues
  • Supervise and approve the underwriting of HELOC applications
  • Manage loan pipeline to ensure loans fund in a timely manner
  • Initiate and monitor rate locks
  • Maintain a comprehensive working knowledge of current rates, mortgage loan programs, federal, state and investor guidelines and regulations, and ensure compliance with all SFFCU procedures and policies

Qualifications

  • 5 + years of mortgage loan originating experience
  • NMLS registration required
  • Working knowledge of the mortgage process including origination, processing, underwriting, income and credit analysis, property appraisal and title work
  • Ability to read, analyze and interpret common technical journals, financial reports, and legal documents
  • Ability to calculate figures and amounts such as discounts, interest, commissions and percentages and apply concepts such as fractions, percentages, ratios and proportions to practical situations
  • Ability to effectively present information to top management

Preferred

  • Bachelor’s Degree (B.A/B.S)
  • Experience processing loans from origination to closing
  • Knowledge of the Ultra-Data and Mortgagebot systems preferred
To apply please follow this link. We also respectfully ask that those interested in this position to NOT CONTACT US BY PHONE, as the increased call volume has a negative impact on the level of service we are able to provide our members.

Real Estate Loan Closing and Servicing Specialist

Summary:
The Real Estate Loan Closing & Servicing Specialist serves as a liaison between members and the real estate team. This role requires the ability to manage time effectively, computer proficiency, attention to detail, effective communication skills, and knowledge of mortgage loan documentation, closing and servicing.

Essential Duties & Responsibilities

  • Meet with members to explain, answer questions, review and sign their new loan documents, including notarizing documents as required
  • Provide servicing support to members, including but not limited to researching and answering member questions, applying/reversing/correcting payments, setting up/removing automatic payment drafting for all mortgage products, etc.
  • Research and resolve servicing-related and other service tickets
  • Process, track and file of post-closing documents including but not limited to subordinations and reconveyances
  • Perform daily Cenlar Payment Sweep on core system and wire payments to servicer
  • Assist with file and file vault maintenance, tracking and storage
  • Order HELOC checks for members
  • Other special projects as assigned

Qualifications

  • Bachelor’s degree (B.A./B.S.) or 2 + years of mortgage loan signing & servicing experience
  • Valid NMLS Registration
  • Valid California Notary Public license
  • Working familiarity with Windows operating environment, including Word and Excel applications
  • Ability to effectively present information to management
To apply please follow this link. We also respectfully ask that those interested in this position to NOT CONTACT US BY PHONE, as the increased call volume has a negative impact on the level of service we are able to provide our members.