Grow your career with First Service Credit Union

First Service Credit Union is a Houston-based financial institution dedicated to providing financial services that enhance our members' lives. As a not-for-profit financial cooperative, we are passionate about delivering an outstanding member experience. With a positive work environment and friendly atmosphere, employment with First Service is not just a job, but a career.

Certified Great Place to Work

Our people are our culture — and our success. We know supporting the entire person is essential to making an employee great. And we're proud that our employees think the same of us. Our employees have voted us one of Houston's Top Workplaces for seven years in a row. Why do our employees love working at First Service? For starters, we're dedicated to putting people first — whether it's the member in front of us or our colleagues who work around us.

Great Benefits

We support our employees by providing benefits that help them through various life stages.

    Generous Health Insurance Plans including Medical, Dental, and Vision

    HealthiestYou™ Remote Physician Access

    Pre-Tax Flexible Spending Accounts

    Employer Paid Life Insurance and Disability Benefits with Optional Additional Coverage

    401(k) Retirement Plan with up to 6% Matching

    Unum Work-Life Balance Employee Assistance Program

    Paid Volunteer Time

    Educational Assistance and Tuition Reimbursement

    Discounted Credit Union Financial Products

Job Opportunities

Role:A Residential Mortgage Loan Originator (RMLO) provides professional mortgage services to borrowers and non-members related to financing the purchase of residential real property and the refinancing of existing mortgages secured by residential real property. RMLOs work independently making sales calls on Realtors, Builders, Financial Planners, or other sources other than referrals from members of CUSO Credit Union clients. Other typical referral sources with whom a RMLO will seek to develop business relationships, include land developers, real estate attorneys, accountants, insurance agents, financial consultants, real estate appraisers, and banks.

Essential Functions & Responsibilities:
60% - Interview, process and close mortgage loans by collecting appropriate documentation from each applicant and delivering mortgage loan packages in the time frames set by management.

5% - Develops and maintains rapport with buyers in the secondary market and assists in the selling of mortgage loans in this market as stipulated by policy.

5% - Coordinates mortgage loan training and education for the staff.

5% - Work with the marketing staff in developing mortgage loan promotions.

5% - Develop referral contacts (realtors, builders, professional and personal contacts).

5% - Maintain knowledge of available loan products, processing procedures, and underwriting and general departmental guidelines.

5% - Manage pipeline for all originated loans through closing and complete required management reports.

5% - Communicate with branches and/or applicants of providing timely updates and progress reports.

5% - Performs other job related duties as assigned.

Performance Measurements:
1. Ensure the department is providing professional, timely, personal service to all members and
associates by responding to all messages and correspondence within 3 hours.

2.Develop and maintain a highly qualified staff possessing maintaining knowledge of all mortgage
products and rates both with the credit union and the industry as a whole, sufficient to meet the
daily lending demands for members.

3. Ensure all mortgage lending activity is in compliance with established policies. procedures, rules
and regulations.

4. Ensure the department meets or exceeds 100% of established goals.

5. Keep management informed regarding key operational issues affecting the department.

Knowledge and Skills:
Experience: One year to three years of similar or related experience

Education: NMLS required training and licensed in the state of Texas and perhaps other states as company expands.

(1) A two year college degree or (2) Completion of a specialized course of study at a business or trade school or (3) Completion of a specialized and extensive in-house training or apprenticeship program.

Interpersonal Skills: Courtesy, tact, and diplomacy are essential elements of the job. Work involves much personal contact with others inside and/or outside the organization for purposes of giving or obtaining information, building relationships, or soliciting cooperation.

Other Skills:
1. Knowledge of the secondary market and experience with first and second mortgage residential real estate lending; must have proven track record of selling and servicing loans.

2. Must have working knowledge of regulations affecting mortgage lending.

3. Must have good communication skills.

4. Must have working knowledge of Loan Origination Systems in general, as well as spreadsheets and word processing software; be able to use PC and general office equipment including 10-key calculator.

Role:
A Mortgage Loan Originator (MLO) provides professional mortgage services to members related to financing FSCU Real Estate products secured by primary residential property. MLOs work independently making sales calls on existing and potential member referral sources. Typical referral sources, with whom an MLO will seek to develop business relationships, include Realtors, home builders, land developers, real estate attorneys, accountants, financial consultants, real estate appraisers, and credit union employees. This is a sales position that primarily focuses on assisting members from direct leads but may also involve working outside the office to represent FSCU at business development functions and community events; visiting the offices of member referral sources; and meeting with loan applicants at a location convenient for them.

Essential Functions & Responsibilities:
65% - Interview, process, and close mortgage loans by collecting appropriate documentation from each applicant and delivering mortgage loan packages in the time frames set by management.

5% - Coordinate mortgage loan training and education for the staff.

5% - Work with the marketing staff in developing mortgage loan promotions.

5% - Develop referral contacts (realtors, builders, professional and personal contacts).

5% - Maintain knowledge of available loan products, processing procedures, and underwriting and general departmental guidelines.

5% - Manage pipeline for all originated loans through closing and complete required management reports.

5% - Communicate with branches and/or applicants of providing timely updates and progress reports.

5% - Performs other job related duties as assigned.

Performance Measurements:
1. Ensure the department is providing professional, timely, personal service to all members and associates by responding to all messages and correspondence within 24 hours.

2. Develop and maintain a highly qualified staff possessing maintaining knowledge of all mortgage
products and rates both with the credit union and the industry as a whole, sufficient to meet the
daily lending demands for members.

3. Ensure all mortgage lending activity is in compliance with established policies. procedures, rules
and regulations.

4. Ensure the department meets or exceeds 100% of established goals.

5. Keep management informed regarding key operational issues affecting the department.

Knowledge and Skills:
Experience: One year to three years of similar or related experience

Education: (1) A two year college degree or (2) Completion of a specialized course of study at a business or trade school or (3) Completion of a specialized and extensive in-house training or apprenticeship program.

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 is usually of a personal or sensitive nature. Work may involve motivating, influencing or training others. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas or services to others.

Other Skills:
1. Knowledge of the secondary market and experience with first and second mortgage residential real estate lending; must have proven track record of selling and servicing loans.

2. Must have working knowledge of regulations affecting mortgage lending.

3. Must have good communication skills.

4. Must have working knowledge of spreadsheets and word processing software; be able to use PC and general office equipment including 10-key calculator.

Role:
Responsible for the preparation of periodic loan accounting reports, loan payment processing and administration; reconciliation; administration of insurances, annual escrow analysis, 1098 reporting

Essential Functions & Responsibilities:
75% - Maintains mortgage information including payment postings, import new loans and updating member information, processing payoffs, curtailments, monthly billing statements, adjustments, account research, etc.

15% - Answers telephone enquiries from members on routine inquiries regarding payoffs, change of owner, note modifications, beneficiaries and other details of existing loans.

5% - Prepare routine letters to members.

5% - Peforms other job related duties as assigned.

Performance Measurements:
1. To carry out assigned responsibilities with minimum number of errors according to established department standards.
2. To prepare reports in a timely accurate manner.
3. To ensure all data entry for loans made with zero errors.
4. To provide informed, professional and accurate service and support to all members and associates.

Knowledge and Skills:
Experience: One year to three years of similar or related experience
Education: A high school education or GED.
Interpersonal Skills: Courtesy, tact, and diplomacy are essential elements of the job. Work involves much personal contact with others inside and/or outside the organization for purposes of giving or obtaining information, building relationships, or soliciting cooperation.

This position provides the Branch Manager with support, assistance and leadership regarding all aspects of branch operations to ensure superior service is provided to all internal and external members. Assure the financial service needs of each member are promptly, accurately, and courteously fulfilled.

  • Responsible for the maintenance and security of the branch facility and its contents in the absence of the Branch Manager.
  • Responsible for maintaining vault and ATM cash, as well as all consigned items at the Branch.

Experience: One year to three years of similar or related experience.

Education: A high school education or GED; one to two years college preferred. Must be knowledgeable of Bank Secrecy Act and Anti-Money Laundering regulations and requirements.

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. Analytical ability to quickly assess member’s financial needs and offer solutions.

Deliver superior service to the members at all times. Present a positive, efficient and professional front line atmosphere. Leave the member with the feeling they are our number one priority. Treat all internal and external members with respect and courtesy.

Efficiently and accurately handle all member transactions in person or by mail or phone including, but not limited to, deposits, withdrawals, transfers, cash advances, and exchanges of currency. Issue credit union and cashier checks, gift checks/cards, reloadable cards, etc. Responsible for balancing daily work, cash drawer, and negotiables. Also, may assist with balancing branch negotiables including but not limited to official checks, etc. Perform member account maintenance functions including personal and account data changes and account openings. Promptly answer telephone inquiries and forward calls to appropriate personnel and take accurate messages when necessary and follow up that call was returned. Knowledgeable on the features and benefits of all Credit Union products and services and determine member needs and recommend products/services based on those needs. Promote teamwork by assisting others with work when needed or when own work is completed.

 Knowledgeable on the features and benefits of all Credit Union products and services and determine member needs and recommend products/services based on those needs. Tracks progress on individual production and account cross-selling goals. Research and follow-up of member inquiries regarding credit union accounts and services in a timely manner whether in person or by mail or phone. Must be available to travel to any branch location for back-up as requested by management, as well as work on Saturdays when needed.

Knowledge and Skills:

Experience: Up to six months of experience in the banking industry and/or cash handling experience.

Education: A high school education or GED. Must be knowledgable of Bank Secrecy Act and Anti-Money Laundering regulations and requirements.

Customer service skills Detail-oriented Multi-tasked

EOE

Review consumer loan applications and make sound lending decisions according to credit union policies. Provide guidance to the Loan Advisors, Financial Service Representatives and Loan Processors.

Essential Functions & Responsibilities:

Responsible for reviewing consumer loan applications, making appropriate credit decisions based on lending policy and credit worthiness. Review loan applications through our Indirect channels, and be familiar with their LOS and program guidelines. Review Home Equity and Home Improvement loans and make appropriate decisions based on lending guidelines; remain knowledgeable of the application process and products. Performance Measurements: Remain current on changes within the legal, regulatory, economic, competitive, and technology environments which may affect consumer lending program. Responsible for remaining current on Compliance courses, and having a passing grade on all examinations. Review and decision consumer direct and indirect loans, as well as home improvement and equity loans, assuring that these loans meet all requirements as outlined in credit union policy.

Knowledge and Skills:

Experience: A minimum of five years of lending background in a financial institution of related field. Formal training should be supplemented with continuing education.

Education : Equivalent to a college degree (BS or BA in a relevant field). Must be knowledgeable of Bank Secrecy Act, Anti-Money Laundering Regulations, Fair Credit Reporting ACT, Equal Credit Opportunity Act, OFAC, and be familiar with Fair Lending Laws and Regulations.

Other Skills: Knowledge of laws and regulations affecting credit union operations and loan underwriting and regulatory compliance. Ability to analyze statistical and financial data. Ability to gather, assembles, correlate, and analyze facts and develop solutions. Analyze and interpret Credit Bureau Systems. Must be proficient in Microsoft Office products, including but not limited to Word, Excel, email and Outlook.

EOE

Deliver superior service to the members at all times. Present a positive, efficient and professional front line atmosphere. Leave the member with the feeling they are our number one priority. Treat all internal and external members with respect and courtesy.

Essential Functions & Responsibilities:
Efficiently and accurately handle all member transactions in person or by mail or phone including, but not limited to, deposits, withdrawals, transfers, cash advances, and exchanges of currency. Issue credit union and cashier checks, gift checks/cards, reloadable cards, etc. Responsible for balancing daily work, cash drawer, and negotiables. Also, may assist with balancing branch negotiables including but not limited to official checks, etc. Perform member account maintenance functions including personal and account data changes and account openings. Knowledgeable on the features and benefits of all Credit Union products and services and determine member needs and recommend products/services based on those needs. Must be available to travel to any branch location for back-up as requested by management, as well as work on Saturdays when needed.

Experience:
Up to six months of experience in the banking industry and/or cash handling experience.

Education:
A high school education or GED. Must be knowledgable of Bank Secrecy Act and Anti-Money Laundering regulations and requirements.

Other Skills:
Customer service skills,detail-oriented,multi-tasked

EOE

 

This position accommodates member needs via telephone, fax, and live chat request including loans and account services. As well as cross selling of First Service products and services.

Experience: Minimum two years call center experience, preferably in a credit union environment

Education: A high school education or GED. Must be knowledgeable of Bank Secrecy Act and Anti-Money Laundering regulations and requirements.

Interpersonal Skills: Courtesy, tact, and diplomacy are essential elements of the job. Work involves personal contact with others inside and/or outside the organization for purposes of giving or obtaining information, building relationships, or soliciting cooperation.

Apply Now

We'd love for you to join our team! Fill out the form below to apply for one of our available positions.

Don't see a position you're looking for? Go ahead and send us your resume! We'll hold onto it and may consider in for positions as they become available.

 
 
 
 
 
 
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