Careers

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Reports to: SVP of Technology

Supervises Direct: None

Classification: Non-exempt

Revised: 12/2022

ALLIANCE is building a Data and Innovation Lab to leverage our Big Data and Predictive Analytic capabilities to augment our world class analytics capabilities and deliver financial services to our members. Data Science allows us to better understand the implications of what information means, identify trends, anticipate future behaviors, perform pattern matching, discover the golden path members take that leads to a future decision and predict the outcomes of future events. The lab specializes in taking full advantage of large data sets to explore and discover new insights that would have not been possible with traditional analytics. Leveraging leading edge technologies and capabilities, the group applies machine learning and statistical modeling techniques to help ALLIANCE understand the changing business environment, discover new growth opportunities, and determine where business improvements can be made. The lab will be equipped with capabilities in text analytics/Natural Language Processing, social media analytics, Big Data advanced analytics and Machine Learning.

Role

Process data and performa a variety of clerical duties and support functions for the credit union. Ensure and verify the accuracy of all data.

Job Responsibilities

• Problem solving and troubleshooting
• Creating documentation of business processes
• Researching given database schemes and documentation for such
• Advanced experience with dimensional data modeling & schema design in Data Warehouses
• Ability to write reusable code components
• Perform all data entry and processing duties for the IT department and/or other departments
• Verify data input to ensure accuracy
• Review work for input. Resolve any issues regarding questionable data before inputting into the system
• Generate a variety of reports as requested
• Perform a variety of other clerical duties of moderate scope and complexity
• Perform other job-related duties as assigned

Knowledge and Skills

Experience: 6 to 12 months of similar or related technical experience.

Education: A student in a technical field (Computer Science, ISQS, Physics, Engineering, etc.)

Interpersonal Skills: A significant level of trust and diplomacy is required as well as courtesy and tact. In addition to being creative, innovative, agile, analytical, technically curious, and self-driven.

Physical Requirements: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential function 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 use hands and fingers to handle or feel: reach with hands and arms; and talk or hear.  The employee frequently is required to stand and walk. The employee is occasionally required to sit, stoop, and/or kneel. The employee must occasionally lift and /or move up to 20 pounds or more.

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 job is performed in that of a “typical” office environment where the noise is sometimes moderate, and the temperature is maintained throughout the year.

This job description is not a complete statement of all duties and responsibilities comprising the position.

ALLIANCE Credit Union provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, disability, genetic information, marital status, amnesty, or status as a covered veteran in accordance with applicable federal, state and local laws.

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Role:

Serve the members of ALLIANCE Credit Union with professional, courteous service. Perform all teller functions proficiently. Solve basic member problems and/or help with member questions or work-related matters. Efficient handling of member needs and accurate transactions. Perform account maintenance. Maintain dual control standards.

Essential Functions & Responsibilities:

Welcomes members in a professional and courteous manner. Providing routine information concerning services and directs member to appropriate department for specific information and service. Must be able to handle basic questions and member needs and respond to members’ requests, problems, and complaints and/or direct them to the appropriate person for specific information and assistance. Tellers will have an active roll in participation in credit union promotions.

Provide general and specific service-related information concerning Credit Union services or policies and procedures. While, maintaining up-to-date and comprehensive knowledge on all Credit Union products and services offered by the Credit Union and on all related policies and procedures. Maintain a thorough knowledge of policies and procedures with particular attention to the Bank Secrecy Act, Patriot Act, Regulation CC, Robbery and Emergency procedures. Maintain knowledge of all State and Federal regulations that are applicable to the transactions performed in the teller area.

Responsible for meeting or exceeding referral objectives. Must maintain basic product knowledge of services offered by the Credit Union. Responsible for informing members of products that will enhance their ALLIANCE experience. Must be able to work with other departments to answer questions and refer members when necessary accurately and appropriately. Must learn what PFI means and why it is important. Must promote the Credit Union’s vision and mission statement.

Responsible auditing and compliance needs. Must insure compliance by completing all logs and monitoring individual cash limits, ensuring accuracy, completeness and compliance standards are met. Responsible for ensuring dual control standards are met at all times. Responsible for maintaining balancing standards and following all balancing policies and procedures. Complete CTRs effectively and efficiently. Report SAR activities to the BSA officer. Responsible for accurately performing opening and closing procedures and maintaining safety standards.

Maintain ongoing training and development. Must be willing to participate in training that is provided. Must be actively meeting attendance measurements. Responsible for participating in and providing feedback in team meetings.

• Provide teller cash orders and sell excess cash while monitoring individual teller limits
•  Maintaining vault security and balancing individual transactions performed on RBGs and dispensers
• Provide teller functions such as balancing teller drawers and cash tapes.
• Close accounts pursuant to appropriate requests
• Order debit cards
• Participate in credit union promotions
• Promote, explain and cross-sell credit union services such as consumer and mortgage loans, IRAs, share certificates, debit and credit cards, on-line banking, mobile app features, gift cards and money orders
• Determine applicable holds on share drafts presented
• Ensure teller area is stocked with forms, supplies, etc.
• Order member checks
• Set up and maintain online banking
• Other duties as assigned

Performance Measurements:

• Provide friendly, professional, personal service to all members and associates.
• Balance your drawer daily, with no outages Maintain dual control.
• Accurately post mail transactions to dual control log on a daily basis.
• Troubleshoot and resolve customer and internal inquiries in a timely, friendly and accurate manner.
• Proactively seek opportunities to identify appropriate products and services for the betterment of the member.
• Accurately post transactions, having fewer than 3 unresolved posting errors in a 30 day period.
• Troubleshoot and resolve member and internal inquiries in a timely, friendly and accurate manner.
• Maintain a dependable record of attendance and timeliness.
• Maintain a profession work environment and businesslike appearance.

Knowledge and Skills:

Experience:

Cash handling experience is preferred but is not required.

Education:

A high school education or GED.

Interpersonal Skills:

Courtesy, tact, and diplomacy are essential elements of the job. Work involves personal contact with others inside and/or outside the organization, generally regarding routine matters for purposes of giving or obtaining information which may require some discussion.

Other Skills:

Ten key calculator and computer keyboard by touch. Must be good with detail to deal with numbers and names. Ability to operate desk top computer, associated peripheral equipment, and Credit Union software programs. Ability to deal with standardized situations applying common sense understanding to carry out simple instructions

Physical Requirements:

The Physical demands described here are representative of those that must be met by an employee to successfully perform the essential function 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 use hands to finger handle or feel: reach with hands and arms; and talk or hear. The employee frequently is required to stand and walk. The employee is occasionally required to sit, stoop, and/or kneel. The employee must occasionally lift and /or move up to 10 pounds.

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 job is performed in that of a “typical” office environment where the noise is sometimes moderate, and the temperature is maintained throughout the year.

This Job Description is not a complete statement of all duties and responsibilities comprising the position.

ALLIANCE Credit Union provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, disability, genetic information, marital status, amnesty, or status as a covered veteran in accordance with applicable federal, state and local laws.

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Department: Mortgage

Reports to: Mortgage Operations Manager

Supervises Direct: None

Classification: Non-Exempt

Role: 

A mortgage closer assembles, inspects, and prepares all critical documentation needed to complete the real estate mortgage loan process.

Essential Functions & Responsibilities:

• Send closing disclosures out within required timeframes.

• Balance closing disclosures with title company.

• Strong communication skills.

• Review and Clear Prior to Funding conditions

• Be well versed and trained in conventional, VA, FHA loans, guidelines and closing requirements.

• Work with Quality Control to clear any post-closing conditions related to closing duties.

• Be organized, professional, timely and knowledgeable in all mentioned functions and responsibilities.

• Basic computer skills and knowledge of Microsoft Office, Word, Excel, and outlook required.

• Calyx Point or similar LOS knowledge a plus.

• Understand Title documents, surveys, closing disclosures.

• Perform other duties as assigned.

Performance Measurements

- Provide informed, professional, and accurate service and support to all members, employees and vendors.

-Maintain a dependable record of attendance and timeliness.

Knowledge & Skills:

Experience -Mortgage closing experience or similar required. 

Education - A high school education or GED.

Interpersonal Skill - A significant level of trust and diplomacy is required, in addition to normal courtesy and tact. Work involves extensive personal contact with others and/or is usually of a personal or sensitive nature. Work may involve motivating or influencing others. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary.

Other Skills - Thorough understanding of investor requirements and automated delivery systems

Effective business communication skills (both oral and written)

Excellent time management and organizational skills

Excellent customer service skills

Strong Interpersonal skills.

Computer literate: experience using all Microsoft Office Applications

Knowledge of FNMA, FHLMC, FHA and VA guidelines and documentation

Must be good with detail to deal with numbers and names. Ability to operate desk top computer, associated peripheral equipment, and Credit Union software programs. Ability to deal with standardized situations applying common sense understanding to carry out simple instructions

Physical Requirements - The physical demands described here are representative of those that must be met by an employee to successfully perform the essential function 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 use hands and fingers to handle or feel: reach with hands and arms; and talk or hear.  The employee frequently is required to stand and walk. The employee is occasionally required to sit, stoop, and/or kneel. The employee must occasionally lift and /or move up to 20 pounds or more.

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 job is performed in that of a “typical” office environment where the noise is sometimes moderate and the temperature is maintained throughout the year.

This job description is not a complete statement of all duties and responsibilities comprising the position.

ALLIANCE Credit Union provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, disability, genetic information, marital status, amnesty, or status as a covered veteran in accordance with applicable federal, state and local laws.

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Department: Mortgage

Reports to: VP of Mortgage Solutions

Supervises Direct: None

Classification: Non-exempt

Role: 

The Mortgage Loan Processor is responsible for processing loan documents and ensuring completeness of the loan file for submission to underwriting and closing. Processors review borrower employment, income, assets, and closing fund sources to validate qualification for the loan program and compliance disclosures and to ensure compliance with state and federal regulations.

Essential Functions & Responsibilities:

• Review and verify all file documentation including signed disclosures and borrower documentation received (income/asset docs, home owner’s insurance, tax returns), 3rd party documentation (appraisals, title work, flood etc.) for completeness & accuracy. Obtain any processor conditions.
• Act as a point of contact between loan officers, underwriters and clients.
• Maintain a close working relationship and correspond with lenders, title companies, contractors, builders, appraisers, real estate agents and other real estate industry professionals so that all parties can work together to find a solution for problems that arise during processing.
• Review underwriting approval and communicate with the necessary parties regarding additional items needed prior to final approval.
• Ensure file is complete, do a final update of any loan data as needed and submit a closing request to the closer once loan is clear to close. 
• Ensure all loan documentation has been correctly stored and labeled in the loan origination system.
• Performs other related duties as assigned.

Performance Measurements:

• Meet closing dates within established time frames.
• Accurately prepare file for underwriting.
• Provide friendly, accurate, professional service to members and associates by responding to messages and correspondence within 24 hours.
• Meet or exceed the minimum established individual goals each month.
• Develop and maintain knowledge of all mortgage products and rates within the credit union and from the mortgage industry.

Knowledge & Skills:

Experience:  Six months to two years of similar or related experience.

Education:  A high school education or GED.

Interpersonal Skills:  A significant level of trust and diplomacy is required, in addition to normal courtesy and tact. Work involves extensive personal contact with others and/or is usually of a personal or sensitive nature. Work may involve motivating or influencing others. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary.

Physical Requirements:  The physical demands described here are representative of those that must be met by an employee to successfully perform the essential function 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 use hands and fingers to handle, or feel: reach with hands and arms; and talk or hear.  The employee frequently is required to stand and walk. The employee is occasionally required to sit, stoop, and/or kneel. The employee must occasionally lift and /or move up to 20 pounds or more.

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 job is performed in that of a “typical” office environment where the noise is sometimes moderate and the temperature is maintained throughout the year.

Other Skills: 

• Thorough understanding of investor requirements and automated delivery systems
• Effective business communication skills (both oral and written)
• Excellent time management and organizational skills
• Excellent customer service skills
• Strong Interpersonal skills
• Computer literate (experience using all Microsoft Office Applications)
• Knowledge of FNMA, FHLMC, FHA and VA guidelines and documentation

This job description is not a complete statement of all duties and responsibilities comprising the position.

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