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:

AVP, Vendor and Records Management

Consumer Lending Servicing Specialist, Temporary

Consumer Loan Consultant II

Contact Center Representative (Concord Location)

Teller (Financial Services Consultant)

IT Project Coordinator

IT Project Manager

QA Coordinator

Real Estate Loan Officer

Real Estate Loan Servicing Specialist

Senior Quality Control Specialist and document specialist

VP of Real Estate


AVP, Vendor and Records Management

Summary
The AVP of Vendor and Records Management is responsible for overseeing both areas as follows for SF Fire Credit Union ensuring both support the strategies of the Credit Union and meet regulatory requirements.

The Manager is responsible for centrally overseeing the Vendor Management Program and Records Information Management Program for SF Fire Credit Union. This role will contribute to the Credit Union’s success by engaging qualified vendors under beneficial business terms and effectively managing the risks of relying upon independent third-party service providers and ensuring the Credit Union has governances in place for retention of all required records.

This person will be responsible for the entire vendor risk lifecycle from on-boarding through termination including ongoing monitoring and risk mitigation as the vendor relationship progresses. This role will be required to understand the service or product to be acquired, coordinate due diligence review with relevant internal stakeholders, contract negotiations, follow-up with vendors on outstanding remediation activities, and obtain updated due diligence documentation on an annual basis.

The person will also be responsible for the entire Data/Records Information lifecycle which includes implementing policy and related procedures based on the various types of records. This will require collaboration with internal stakeholders to capture all required reports/records to institute an effective records management practice across the Credit Union’s Enterprise Content Management process.

Vendor Management Responsibilities

  • Work closely with internal stakeholders to ensure vendor due diligence is performed for both new and existing vendors
  • Provide assistance as needed to Relationship Managers to monitor key risk indicators based on vendor criticality ratings
  • Host calls between internal stakeholders and vendors as needed.
  • Work with Relationship Managers to track vendor service levels and record data into the Vendor Management system
  • Using NCUA and SEC and other regulatory guidance, identify required process improvements and work with internal stakeholders to continually improve risk assessment operations
  • Assist with developing, implementing, and maintaining policies and procedures to ensure adequate vendor oversight for new and existing vendors.
  • Maintain vendor management database including managing contract renewals and expirations
  • Provide guidance to Relationship Managers in order to maintain positive relationships with key vendors to ensure product is high quality and delivered on time
  • Build relationships internally and externally to drive cost alignment and efficiency through the entire vendor lifecycle
  • Identify improvement areas internally as well as perform closely with all internal stakeholders to prepare solutions
  • Deliver efficient and effective escalations in line with the established policies and procedures
  • Prepare processes for as well as manage analysis, selection and transition
  • Stimulate steady process enhancement to present increasing operational efficiency in entire business partner processes
  • Perform project management duties as applicable in relation to vendor management. Research, analyze, and prepare project forms for project approvals. Attend conferences, and review communications pertaining to areas of responsibility in order to develop new products/projects based on current and future needs and stay abreast of industry trends
  • Serve as key liaison for addressing all audit an* d regulatory findings relating to Vendor Management and ensuring resolution

Records Management Responsibilities

  • Collaborate with and Survey all internal stakeholders for all current records/reports processed
  • Inventory all reports/records currently collected along with capturing any new reports/records
  • Identify if Personal Identifiable Information exists
  • Determine owner and frequency of reports
  • Identify all current report/records run reports and determine utilization (keep/discontinue)
  • Identify retention period based off regulations
  • Develop and Implement Records Information Management policy and procedures to align with Credit Unions strategic goals and required regulations that promotes efficiency for the end-user and operational excellence.
  • Train internal stakeholders on policy and procedures
  • Perform project management duties as applicable in relation to data/records management. Research, analyze, and prepare project forms for project approvals. Attend conferences, and review communications pertaining to areas of responsibility in order to develop new products/projects based on current and future needs and stay abreast of industry trends.
  • Serve as a key liaison for addressing all audit and regulatory findings relating to Data/Records Management and ensuring resolution with applicable stakeholders
    Stimulate steady process enhancement to present increasing operational efficiency in entire business partner processes
  • Deliver efficient and effective escalations in line with the established policies and procedures
  • Develop or work with Third-Party vendor for reporting and monitoring compliance
  • Developing direct reports

Requirements
*Bachelor’s degree (B. A.) with Vendor management experience of Six (5) plus years, with one (1) plus years of management experience
*Records Management experience of minimum one plus years of related records management experience.
*Strong understanding of 3rd Party Vendor Lifecycle Management
*Experience in vendor management for a financial institution beneficial but not required
*Able to problem-solve, take initiative for projects and work independently with minimal supervisory oversight
*Demonstrates strong record-keeping, time-management, and general organizational skills
*Possess strong verbal and written communication skills
*Ability to build strong relationships with all stakeholders
*Strong computer experience with skills in MS Office especially Excel

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Consumer Lending Servicing Specialist, Temporary

Summary
The Consumer Lending Servicing Specialist performs general consumer loan servicing actions for the Consumer Lending Department. Directly responsible for providing outstanding service to our membership and organizational partners.

Responsibilities

  • Responsible for day to day consumer loan servicing requests.
  • Perform qualify control and risk assessment as required.
  • Responsible for GAP, debt protection claims and cancellation process.
  • Responsible for servicing consumer loan accounts, such as providing payoff requests, posting payoff checks, processing balance transfer, closing visa credit limit, researching and satisfying member questions via telephone, email and other communication.
  • Ensure confidentially and safeguard sensitive member information.
  • Ability to communicate effectively both verbally and in writing.
  • Process all type of consumer lending loan servicing request / SFT
  • Process debt protection claims and cancellation
  • Process GAP / MBI and claims/cancellation
  • Process month-end for GAP / MBI
  • Process loan payoff
  • Process Visa positive monthly report
  • Work with member solutions on workout loan & visa medication
  • Process work out a loan extension
  • Process indirect loan funding
  • Perform loan quality control

Requirements

  • Thorough knowledge of personal computers with internet and intranet access and office equipment.
  • Thorough knowledge of modern office administration techniques and methods.
  • Ability to coordinate a variety of activities simultaneously and prioritize work.
  • Ability to establish and maintain effective working relationships with a diverse group of people including vendors and other Credit Union employees.
  • Ability to analyze situations and recommend solutions.

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Consumer Loan Consultant II

Essential Duties and Responsibilites

  • Reviews and approves consumer indirect and direct loans within assigned guidelines and authority
  • Reviews and makes decisions in compliance with policies and other designed loans and reviews each for accuracy
  • Responsible for functions of the Indirect Lending program, including transmitting, receiving, closing, and funding of Indirect Loans
  • Train and mentor staff as it pertains to indirect lending
  • Identifies cross-sell opportunities and cross-sells services to members.
  • Perform other duties and responsibilities as required
  • Loan approval authority higher or equivalent to a Consumer Loan Officer
  • Makes recommendations on consumer loans outside of authority level
  • Conducts loan interviews and performs credit investigations for consumer loans
  • Provides financial and credit information to members
  • Disburses funds, especially for CUDL indirect auto loans
  • Finds creative ways to analyze and satisfy member loan requests
  • Provides information to members with respect to credit union loan policy
  • Provides payoff information
  • Cross-sells all services of the credit union
  • Answers members’ inquiries regarding savings and loan programs
  • Effects transfers from savings to loans for all members on a pre-authorized loan payment system
  • Prepares correspondence for mailing from loan department
  • Responsible for calculating all disclosure requirements and instructions for loan closing
  • Assists with data collection for and preparation of department reports
  • Processes GAP and debt cancellation claims
  • Assists with ongoing loan department projects
  • Follows 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
  • Performs other duties as assigned by management

Secondary Functions
*Assists with collateral title lien perfection through DMV and maintenance of electronic title system through FDI.
*Assists with audits on vehicle and vessel title work. Verifies that all documents have been accurately completed.

  • Assists with tracking, processing and follow up on UCC filing, vessel mortgages, vehicle title applications, transfers and releases on paid loans.
  • Assists with perfecting San Francisco Fire Credit Union’s interest in any collateral being used as security on a consumer loan.
  • Assists with releasing the credit union’s interest in a piece of property once the loan is paid in full.
  • Ensure that loan payments are properly applied to the FSP systems.

Qualifications 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.

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.

Language Skills
Ability to read and comprehend verbal and written instructions. Ability to write basic business communications to members and employees. Ability to respond to common inquiries or complaints from member, regulatory agencies, and other employees.

Mathematical Skills
Ability to add, subtract, multiply, and divide into all units of measure, using whole numbers, common fractions, and decimals. Ability to calculate figures and amounts such as interest, dividends, and percentages. Ability to apply concepts of basic algebra.

Personal Computer Skills
Ability to operate a computer in a Windows environment. Experience with Ultradata/FSP and Microsoft Office applications preferred. Have the ability to operate standard office equipment and tools, such as postage machine, fax machine, telephone, and photocopier.

Reasoning Ability
Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

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 required to sit most of the time, but occasionally moves to file cabinets or other offices. The employee frequently is required to use hands to handle or feel objects or documents, to operate a telephone and a PC, and to talk and hear. The employee is occasionally required to 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 close vision and the ability to adjust focus.

Required Schedule
The schedule for this position is Tuesday through Saturday 40 hours.

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Contact Center Representative (Concord Location)

Summary
Our Contact Center Representatives or “Financial Service Consultants” handle all remote communications from our members including telephone calls, postal mail, email 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.

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 manager of any service concerns while being attentive to call volume and service levels
  • Meet established individual and team service goals

Requirements

  • High school diploma / GED plus at least 1 year customer service experience
  • Ability to effectively multi-task and calculate figures and amounts quickly
  • Ability to write basic business communications to members and employees
  • Experience with MS Windows and MS Office
  • Call center experience and/or experience in banking is preferred
  • Various shifts available Monday through Saturday 7am to 8pm

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Teller (Financial Services Consultant)

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.

Reponsibilities

  • Maintains the Credit Union’s tradition of excellence by taking ownership of member issues, seeking solutions first and being accountable
  • Open various types of accounts including checking, savings, CD’s and IRAs
  • Operate assigned cash can and teller’s sub-vault within established guidelines
  • Create temporary checks for members as required
  • Assist members with debit card re-pinning and ATM machine usage
  • Act as vault teller as required
  • Maintain a thorough knowledge of all Credit Union products and services
  • Complete training programs in accordance with your personal development plan
  • Contribute 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

Requirements

  • High school diploma or GED plus at least 1 year of related experience
  • Ability to effectively multi-task • Ability to calculate figures and amounts
  • Experience with MS Windows and MS Office
  • Must be available for Saturday shift
  • Cash handling experience in a bank or financial institution is preferred

The roles we have open is for the following branch:
Main Branch: 3201 California Street, San Francisco, CA 94118
Mint Plaza Branch: 12 Mint Plaza, San Francisco, CA
Stonestown Branch: 565 Buckingham Way, San Francisco CA 94132

Apply Now

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.


IT Project Coordinator

Summary
SF Fire Credit Union’s IT Project Coordinator is responsible for coordination, implementation, execution, control and completion of all IT and business process improvement projects consistent with credit union strategy, commitments, and goals. The Project Coordinator will administer and organize all types of projects, from simple activities to more complex plans.

Responsibilities

  • Working with the Project Managers, coordinate all aspects of project management activities, resources, equipment and information using appropriate tools
  • Assist in the development of project plans
  • Participate in regular meetings with project teams and track project deliverables using appropriate tools
  • Schedule and facilitate project meetings
  • Prepare and distribute meeting notes and action items
  • Assign tasks to project members and assist with schedule management
  • Follow up on project tasks and request updates as applicable, including with third-party vendors
  • Track all project documentation, ensuring all key information is up-to-date and available to project members
  • Assist with monitoring project progress, scope, deliverables and timeline
  • Identify, monitor and address risks and/or issues
  • Support the project status reporting process by ensuring updates are provided or applied on a timely basis
  • Additionally, for a strategic, enterprise project:
  • Coordinate the documentation of “key” procedures by the Procedure Development Support team, and ensure turnover of procedures to the project Training Coordinator.
  • Coordinate the identification of required reports for the enterprise, and facilitate/track through delivery (out-of-the-box or custom development).
  • Coordinate various gap-item deliverables, and facilitate their integration and delivery with the overall project timeline.
  • Follow up on database setup tasks with task owners.

Qualifications

  • Bachelor’s degree or equivalent
  • Four years of project management experience in an IT environment
  • Strong organizational skills, including multitasking and time management
  • Working knowledge of Microsoft Office 365 and Microsoft Project, Planner, Visio and Teams required
  • PMP certification preferred
  • SDLC experience preferred
  • Knowledge of products, services, and procedures of a financial institution preferred

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IT Project Manager

Summary
SF Fire Credit Union’s IT Project according to strict deadlines and within budget. This includes acquiring resources and coordinating the efforts of team members and third-party contractors or consultants in order to deliver projects according to plan. The Project Manager will also define the project’s objectives and oversee quality control throughout its life cycle.

Responsibilities
Strategy & Planning

  • Define project scope, goals and deliverables that support business goals in collaboration with senior management and stakeholders.
  • Effectively communicate project expectations to team members and stakeholders in a timely and clear fashion.
  • Liaise with project stakeholders on an ongoing basis.
  • Set and continually manage project expectations with team members and other stakeholders.
  • Plan and schedule project timelines and milestones using appropriate tools.
  • Track project milestones and deliverables.
  • Determine the frequency and content of status reports from the project team, analyze results, and troubleshoot problem areas.
  • Define project success criteria and disseminate them to involved parties throughout project life cycle.
  • Conduct project post mortems and create a recommendations report in order to identify successful and unsuccessful project elements.
  • Develop best practices and tools for project execution and management.

Acquisition & Deployment

  • Estimate the resources and participants needed to achieve project goals.
  • Draft and submit budget proposals, and recommend subsequent budget changes where necessary.
  • Where required, negotiate with other department managers for the acquisition of required personnel from within the company.
  • Determine and assess need for additional staff and/or consultants and make the appropriate recruitments if necessary during project cycle.

Operational Management

  • Direct and manage project development from beginning to end.
  • Develop full-scale project plans and associated communications documents.
  • Delegate tasks and responsibilities to appropriate personnel.
  • Identify and resolve issues and conflicts within the project team.
  • Identify and manage project dependencies and critical path.
  • Develop and deliver progress reports, proposals, requirements documentation, and presentations.
  • Proactively manage changes in project scope, identify potential crises, and devise contingency plans.
  • Coach, mentor, motivate and supervise project team members and contractors, and influence them to take positive action and accountability for their assigned work.
  • Build, develop, and grow any business relationships vital to the success of the project.

Qualifications

  • Bachelor’s degree or equivalent
  • PMP certification required
  • SDLC experience preferred
  • Four years project management experience in an IT environment
  • Advanced proficiency with MS Project and Visio required
  • Must have in-depth knowledge of products, services and procedures of a financial institution
  • Familiarity with quality practices such as Six Sigma preferred

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QA Coordinator

Summary
The QA Coordinator’s primary role is to identify and resolve quality issues in the Credit Union’s software product lines. The QA Coordinator will oversee all aspects of the testing processes.

Responsibilities

  • Execute all phases of the quality assurance (QA) cycle (e.g. requirements analysis, test case identification, test plan creation, execution, defect tracking, status, and reporting of results).
  • Create and maintain test cases, scenarios, and supporting data based on requirements and design documentation.
  • Organize and maintain the test script library for assigned area or application(s).
  • Work closely with product owners, developers and project team members on test design, and provide thought leadership on test approaches.
  • Develop test planning activities, including preparing documentation and estimating testing needs and time-frames.
  • Develop an understanding of software requirements, including how users use the products and the impact of change to the users’ workflow.
  • Execute tests to validate that the software complies with standards and documented, approved requirements.
  • Perform and coordinate Functional, Regression, Performance, System Integration, and User Acceptance testing based on requirements.
  • Log and track defects from discovery to closure, working with product owners, developers or project team members to assess severity and impact.
  • Produce testing and defect reports as required.
  • Troubleshoot software problems and escalate issues, as appropriate.
  • Develop, maintain and update manual test scripts, utilities, data sets and other test tools required to execute test plans.
  • Act as key point of contact for all QA aspects of releases, providing QA services and coordinating QA resources internally and externally.
  • Administer and support the enterprise test management tool, TestRail.
  • Offer recommendations for new tools and testing approaches and techniques.
  • Advocate quality from the end user’s perspective.
  • Champion change to improve the processes that build products.

Position Requirements

  • Bachelor’s degree in a computer science, computer technology, electrical engineering, electrical engineering technology or other related field (preferred).
  • Minimum 2 years Software Quality Assurance experience is required.
  • Experience across all phases of the SDLC and Agile software development practices.
  • Knowledge of software programming and software development life-cycle.

Knowledge Of

  • Basic programming principles
  • TestRail (preferred)
  • Atlassian product suite (JIRA, Confluence)
  • MS Office 365 Suite; SharePoint; advanced Excel preferred
  • MS SQL Server
  • SQL
  • Knowledge of Credit Unions or other Financial Institutions (preferred)

Skilled at:

  • Problem solving and root cause analysis
  • Excellent written and verbal communication
  • Writing quality management system procedures, work instructions and test instructions
  • The design, writing, and execution of quality test plans for hardware and software
  • Multi-tasking while meeting testing/ project deadlines
  • Working autonomously, and collaborating and contributing in a team environment
Desirable Qualifications:
  • Critical thinking, organization skills, self-motivated, and detail oriented

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Real Estate Loan Officer

Summary
The Real Estate Loan Officer (“LO”) 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 LO 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. LOs recommend loan products and other services that are in the best interest of the Member, given the Member’s financial status, goals, and objectives. LOs 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 and 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.
  • 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
3 + 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.

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Real Estate Loan Servicing Specialist

Summary
The Real Estate Loan Servicing Specialist is responsible for the servicing of Home Equity Lines of Credit and coordinating with the credit union’s third-party servicer for 1st lien mortgage loans. The Specialist acts as a liaison between members and the real estate team for servicing related activities and must have the ability to manage time effectively with multiple tasks, computer proficiency, attention to detail and effective communication. Knowledge of mortgage loan documentation, processing and servicing is required.

Responsibilities

  • Perform all servicing related duties for Home Equity Lines of Credit and work with third party servicer for first lien mortgage loans.
  • Answer servicing related phone calls and email inquiries from members and credit union employees in a timely and professional manner.
  • Provide timely resolution of servicing related issues.
  • Work with 1st mortgage loan servicing vendor in assisting members with loan servicing needs.
  • Communicate and work with third parties for loan payoff demand requests and provide timely and accurate loan payoff statements.
  • Perform payment processing for mortgage and HELOC payments.
  • Allocate funds to various general ledger accounts.
  • Work with Accounting in balancing assigned general ledger accounts, performing research as needed.
  • Validate the accuracy of incoming loan payoff amounts and perform follow-up as needed. Update loan files and all applicable system data to reflect payoffs and line closure
  • Work with members to reverse and set-up payments, process sub-account transfers
  • Perform post closing activities on new loans, to include auto pay set up and ordering of HELOC checks.
  • Provide back up support to the Real Estate Department for the initial loan set up and assignment of new loan applications in the credit union’s real estate origination system
  • Assist with the assignment of service tickets and incoming inquiries to real estate team members
  • Assist with loan subordination and HELOC increase requests, including system maintenance
  • Maintain servicing related reports
  • Provide back-up support for conversations with members to review, explain, and sign the loan documents for new loans, including notarizing documents as required
  • Assist with file and file vault maintenance, tracking and storage
  • Perform other projects as assigned

Qualifications

  • 3 years related experience and/or training; or equivalent combination of education and experience
  • Must have working knowledge of mortgage lending, documentation and servicing, together with an understanding of mortgage processing and underwriting, Title policies and accounting practices
  • Valid California Notary Public license

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Senior Quality Control Specialist and Document Specialist

Summary
The Senior Lending Quality Control and Document Specialist position ensures all loans are compliant with our internal credit policy, procedures, investor requirements, and applicable laws and regulations prior to funding and after closing. This position will also prepare and distribute monthly quality reports to Senior Management.

Responsibilities

  • Perform pre-funding QC and post-funding audit review of 1st and 2nd mortgages. Review of loan files includes: TILA review, LE/HUD review, document expirations, escrow determinations, cash to close review, etc.
  • Conduct pre-funding loan file quality control reviews, including review of credit report, appraisal, occupancy, red flags, underwriting and decision logic, underwriting conditions and compliance.
  • Work with underwriters, loan processors and mortgage loan originators to answer questions and obtain corrections audit and QC findings.
  • Coordinate and confirm with loan processors that the Loan Estimate is compliant. Review and approve Loan Estimates prior to LE delivery to borrowers.
  • Coordinate the delivery of loan files to be audited by the designated outside audit firm.
  • Review and manage post-funding audit findings, escalate any issues to management. Work with third party vendors.
  • Provide reporting to management relative audit findings and resolutions.
  • Reviews and manages post funding audit reviews including clearing audit exceptions with designated outside audit firm.
  • Ensure integrity of data input into loan origination system.
  • Analyze and prepare pre-fund, post-closing, and miscellaneous monthly management reporting.
  • Other ad hoc analysis or responsibilities as assigned.

Requirements
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.

Education and/or Experience
A.A. degree or better plus five to seven years real estate loan processing or underwriting experience in a financial institution, with thorough knowledge of real estate origination and processing, FNMA/FHLMC guidelines, and all regulatory compliance procedures; or equivalent combination of education and experience.

Language Skills
Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers and individual members.

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VP of Real Estate

Summary
Responsible for the direction of Real Estate Loan Department and establishes the necessary steps to reach the department’s goals. Responsible for the management of the credit union’s real estate loan production and servicing portfolio, responding to changes in regulatory, market and competitive conditions. Responsible for business development efforts relative to real estate lending products including first and second mortgages. The qualified applicant will have strong leadership and management skills, credit risk management skills and a regulatory and compliance background.

Essential Duties and Responsibilities
(Other duties may be assigned)

  • Manages and supervises the Real Estate Loan Department staff. Directs the activities of the operations, production, loan servicing and underwriting teams. The Real Estate Loan Department is responsible for the origination, processing, underwriting, funding and servicing of first and second mortgages.
  • Develops, drafts and applies mortgage lending policies and procedures in conjunction with the Executive Team and in compliance with SF Fire CU, Regulatory and Investor Guidelines. Ensures the compliance of all real estate loan products, procedures and policies.
  • Continuously reviews lending products, processes and delivery channels to identify ways to improve the member experience associated with their use.
  • Actively monitors the internal and external service being provided by the department and provides coaching necessary to ensure expected member service levels are achieved.
  • Manage operations to ensure goals and objectives with respect to first and second mortgages are met and operations follow established policies, procedures, regulatory and secondary market requirements.
  • Knowledge and hands-on experience working with a Mortgage LOS. Will be responsible for the administration, performance and optimization of the system. Manages and monitors the Real Estate pipeline to ensure that loans are processed in a timely manner.
  • Responsible for monitoring the servicing of the first and second mortgage portfolio, including management of the first mortgage sub-servicer relationship.
  • Responsible for department expense monitoring /control and budget analysis.
  • Develops and implements department metrics and prepares reports for review by SVP of Lending and the Executive Management Team.
  • Researches, recommends and develops new products and implements the loan pricing strategy for all real estate loan products.
  • Oversees underwriting and the credit risk management of all real estate loan applications in accordance with SF Fire CU, Investors and Regulatory Guidelines.
  • Strategizes and manages business development efforts through: developing and executing outreach programs for new members, residential realtors and affinity groups, firehouse visits, and educational seminars and industry events.
  • Manages the secondary market functions including: loan pricing and the lock desk, lock extensions, and secondary market commitments, sales and delivery.
  • Oversees staffing and workloads including the processing of staff time records, vacation schedules and appointment schedules.
  • Develops and refines departmental processes and employee tools, to enhance ability of employees to provide exceptional internal and external service. Reports directly to the Senior Vice President of Lending.

Supervisory Responsibilities
Directly supervises staff in the Real Estate Lending Department. Carries out supervisory responsibilities in accordance with the organization’s policies and applicable laws. Responsibilities include interviewing, hiring, training and coaching employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems.

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.

Education and/or Experience
Bachelor’s degree; 10 years related experience; or equivalent combination of education and experience. Must have experience and a strong working knowledge of first and second mortgages, including operations, originations, underwriting, loan servicing and compliance. Experience and knowledge of FannieMae guidelines, policies, and procedures, including secondary marketing practices, loan pricing and committing and delivering loans to them.

Language Skills
Ability to read, analyze, and interpret common financial reports, trend analysis and regulatory guidance. 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 knowledge of word processing and spreadsheet applications; ability to quickly learn specialized software applications. Loan Operating System (LOS) knowledge 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 finger, 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.

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Our Benefits
We have a competitive compensation and benefits package, but the true reward of working for SF Fire Credit Union goes beyond what you’ll see on a pay-stub. We genuinely care about our employees and we strive to invest in their professional and personal growth. We’re a relatively small organization at about 200 employees, so you can see the impact of your efforts and the value your contributions bring to our members and fellow employees.

  • 401(k) and Employer Match
  • Health, Vision, and Dental Insurance
  • Annual Incentive/Bonus Program
  • Tuition Reimbursement Program
  • Ten Paid Holidays + Competitive PTO package
  • Home & Consumer Loan Program (Discounted Rates)
  • Professional development and Soft-skill training programs
  • On-demand personal coaching resource
  • Wellness Program (Discounted Membership at 24-Hour Fitness)

Our Culture
Most days it feels more like going to work with a big family. Whether it’s an impromptu lunchtime BBQ on the deck, baking birthday cakes for colleagues in the kitchen, or after-hours karaoke, we’re here to do a great job and have a good time while doing it! We value a good sense of humor, desire to innovate, and a “in-this-together” attitude. And while we’re driven to do great work, we also value real work/life balance.