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)

Mortgage Loan Consultant

Licensed Financial Advisor

Internal Audit Consultant (Temporary)

Internal Audit Manager

Lending Quality Control & Document Specialist

Business Analyst, Lending


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

How To Apply: Please apply for this position by sending your resume (attached as a Microsoft Word document or PDF) to Gianna Brasil-Ross at gbrasilross@Sffirecu.org.. 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:

Financial Service Representatives 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 Responsibilities:
Level I

  • Handles member communications received via phone call, postal mail, Internet mail and web chat
  • 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
  • Processes new savings, checking and certificate accounts
  • 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 other work as requested by the Call Center Manager

Level II

  • Performs all the duties of a Financial Service Representative I without supervision
  • Meets established individual and team sales and service goals
  • Processes new membership applications including applicant interview, review and evaluation of application, decision recommendation to the Loan Office, 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
  • Researches and resolves complex members inquiries related to all Credit Union accounts, products and services
  • Performs “Thank You” calls to members based on established guidelines
  • Performs “Campaign” calls to members as directed
  • Notifies Call Center Manager of any service concerns by being attentive to call volume and service levels in the Call Center

Level III

  • Performs all the duties of a Financial Service Representative II without supervision
  • Assists staff or members with difficult transactions and escalated calls
  • Maintains a thorough knowledge of IRA, trust, UTMA and business accounts products
  • Assists the Call Center Manager with the administration of the Call Center. 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

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 essential functions. Multi-tasking ability is a must.

Education and/or Experience:
High school diploma or general education degree (GED) required; plus at least two years related experience and/or training; or equivalent combination of education and experience. Previous Call Center 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.

Mathematic Skills:
Ability to work with 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 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 employe 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.
Disciplinary action up to and including dismissal can result from “conduct that is not listed, but that is unprofessional, adversely affects, or is detrimental to the credit union, its employees, members or the public at large.”

How To Apply: Please apply for this position by sending your resume (attached as a Microsoft Word document or PDF) to Gianna Brasil-Ross at gbrasilross@Sffirecu.org.. 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:
he Mortgage Loan Consultant (“MLC”) serves Members to meet established service, loan quality and production goals. The source of this business is primarily generated through San Francisco Fire Credit Union (“SFFCU”). The MLC works with new and existing Members through the mortgage application process, including analysis of financial data, title policies, appraisals, credit, pricing, product selection and document collection. MLCs recommend loan products and other services that are in the best interest of the Member, given the Member’s financial status, goals, and objectives. MLCs 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:

  • Promoting SFFCU as a provider of lending and other financial service solutions. This includes providing superior levels of service to our Members, as well as promoting SFFCU to real estate agents, other referral sources and Members.
  • Originating, structuring, processing and closing mortgage loan applications for our Members, as well as being their primary point of contact throughout the loan process.
  • Conducting interviews with prospective Members to analyze financial and credit data, determine Member financing objectives, review product/pricing policies and guidelines, gather any additional required information and negotiate loan terms and conditions
  • Entering complete and accurate loan applications and uploading documents to our loan origination system, running automated underwriting (FNMA Desktop Underwriter), reviewing the findings thereof and properly documenting the loan file to comply with those findings.
  • Processing the loan including ordering and reviewing credit, appraisal, preliminary title and flood certifications, as well as analyzing documentation provided by Members and evaluating their income. Processing also encompasses resolving routine title, appraisal, credit and other issues arising during the course of the transaction.
  • Underwriting and approving HELOC applications within Board establishing lending limits.
  • Managing loan pipeline to ensure loans fund in a timely manner. This includes gathering, organizing, reviewing and tracking loan documentation, as well as working with Members, underwriters, appraisers, title/escrow companies and others as necessary to complete the transaction.
  • Responsibility for initiating and monitoring rate locks, the timely issuance of disclosures and working with Real Estate Department Management to monitor locks to ensure loans fund within the appropriate lock period.
  • Coordinating the ordering and signing of loan documents, loan closing and assisting Members throughout the closing process.
  • Maintaining a comprehensive working knowledge of current rates, mortgage loan programs and federal, state and investor guidelines and regulations. This includes ensuring compliance with all SFFCU procedures and policies.
  • Advocating Member interests throughout the transaction as needed, including resolving Member service issues.
  • Presenting a professional image, demeanor and communicating clearly and effectively with all parties.
  • Other duties and tasks assigned as needed by VP/Real Estate.

EDUCATION and/or EXPERIENCE
5 + years of mortgage loan originating and/or loan processing experience; or Bachelor’s degree (B.A./B.S.) from four-year college or university; or equivalent combination of education and experience. NMLS registration required. Must have working knowledge of the mortgage process including origination, processing, underwriting, income and credit analysis, property appraisal, title work, disbursement and accounting entries.

LANGUAGE SKILLS
Ability to read, analyze, and interpret common technical journals, financial reports, and legal documents. Ability to respond to common inquiries or complaints from Members, regulatory agencies, or Members of the business community. Ability to write for publication, conforming to prescribed style and format. Ability to effectively present information to top management.

REASONING ABILITY
Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

MATHEMATICAL SKILLS
Ability to calculate figures and amounts such as discounts, interest, commissions and percentages. Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.

COMPUTER SKILLS
High degree of competence in personal computer skills working in a Windows environment, with particular knowledge of word processing and spreadsheet applications; ability to quickly learn specialized software applications. Knowledge of the Ultra-Data and Mortgagebot systems 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 occasionally required to stand; walk; use hands to fingers, handle, or feel objects, tools, or controls; reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and 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 is usually moderate.

MENTAL DEMANDS
The mental characteristics necessary to competently perform this job include the need to occasionally be persuasive, frequently be able to compare and continuously be alert, use judgment, and be patient; and the continuous need to use auditory perception, memory, and reasoning ability.

How To Apply: Please apply for this position by sending your resume (attached as a Microsoft Word document or PDF) to Gianna Brasil-Ross at gbrasilross@Sffirecu.org.. 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


Internal Audit Consultant (Temporary)

Summary:
Under the general supervision of the Internal Audit Manager and/or VP of Audit & Chief Risk Officer, you will be for responsible performing Internal Audit functions for SF Fire Credit Union. This includes reviewing loan and deposit account activity to evaluate the effectiveness of internal controls and ensure compliance with corporate policies and procedures. This is a temporary position, with potential to lead to full-time employment.

Essential Duties & Responsibilities:

  • Review dormant member accounts with recent activity to evaluate if the dormancy status was removed for valid reasons and by someone with the appropriate authority.
  • Review new loans originated through the underwriting, documentation, funding and boarding process ensuring accuracy and completeness of files and compliance with regulations.
  • Review loan payment reversals to ensure they are properly authorized and processed correctly.
  • Review new member accounts to ensure the account opening process meets all necessary compliance standards and that the account information is complete and accurate.
  • Perform other tests of controls related to member account activity as assigned.
  • Interact with other department personnel relates to the audit work being performed.
  • Evaluate the propriety of existing policies and procedures for the areas under review.
  • Identify operational or control deficiencies and report them to department manager.
  • Assists Internal Audit Consultant II and other departments as directed
  • Lives out “Team is the Word” working cooperatively with others
  • Follows safety and security guidelines

Education and/or Experience:

  • 1-2 years audit experience in a financial institution setting
  • Must be familiar with general banking concepts and compliance regulations
  • Knowledge of Ultradata system preferred

How To Apply: Please apply for this position by sending your resume (attached as a Microsoft Word document or PDF) to Gianna Brasil-Ross at gbrasilross@Sffirecu.org.. 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.


Internal Audit Manager

Summary
The Internal Audit Manager oversees the day-to-day internal audit operations including the planning and execution of financial, compliance and operational audits of the Credit Union’s activities designed to evaluate internal controls and ensure compliance with corporate policies and procedures.

Essential Duties & Responsibilities:

  • Oversee the day-to-day operations of the Credit Union’s internal audit program and practices and facilitate the deployment of decisions made by the Supervisory Committee
  • Identify, measure and report on operational risks through a collaborative annual risk assessment process
  • Assign reasonable risk ratings and prioritize internal audit work such that Credit Union resources are directed at the highest risk areas
  • Assist in the development of a comprehensive annual audit plan and identify emerging issues that may impact the audit plan
  • Ensure the audit plan is executed as designed, and prepare regular reports on progress for the VP of Audit/Chief Risk Officer and the Supervisory Committee
  • Prepare audit reports and communicate the scope of work performed, audit observations made and recommended remediation efforts
  • Communicate audit results with Credit Union leadership and work with employees to ensure that audit findings and recommendations are understood
  • Act as the liaison between the Credit Union and contract auditors, external auditors, regulatory examiners, and Supervisory Committee
  • Assist in conducting investigations of actual or suspected internal fraud
  • Attend monthly meetings and assist in the preparation and presentation of internal audit-related reports
  • Manage all aspects of the staffing and employee development within this department

Education and/or Experience:

Required

  • A Bachelor’s degree in business administration, accounting or finance
  • At least 2 years of experience in a management role responsible for internal audit in a financial institution setting
  • At least 5 years of total internal audit experience
  • Broad knowledge of accounting, auditing and internal control principles, practices and theory of financial institution operations, products and services, regulations and technology
  • Proficiency in GAAP and in-depth knowledge of internal audit standards, procedures and techniques
  • Thorough understanding of advanced risk management concepts and knowledge of banking practices and regulations is essential
  • Strong analytical skills, and the ability present complex concepts or information in a clear and concise fashion

Preferred

  • CPA/CIA preferred
  • A desire to coach and interact with all facets of the organization
  • Ability to quickly learn specialized software applications

How To Apply: Please apply for this position by sending your resume (attached as a Microsoft Word document or PDF) to Gianna Brasil-Ross at gbrasilross@Sffirecu.org.. 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.


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

How To Apply: Please apply for this position by sending your resume (attached as a Microsoft Word document or PDF) to Gianna Brasil-Ross at gbrasilross@Sffirecu.org.. 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

How To Apply: Please apply for this position by sending your resume (attached as a Microsoft Word document or PDF) to Gianna Brasil-Ross at gbrasilross@Sffirecu.org.. 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.