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.

2020 Houston Top Workplace

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:
Works with all aspects of eBranch and daily operations to ensure superior service is provided to all internal and external members. Accommodate member needs via telephone, fax, email requests including loan and account services. Present a positive, efficient and professional environment with all member contact. Primary contact for Loan by Phone.

Essential Functions & Responsibilities:
35% - Takes members loan applications via phone or email and prepares them for review by an Underwriter. Follows up with the Underwriter to determine status. Processes approved loans and sets up date and time to close the loan and make disbursements. Refers problems that are beyond their authority to their supervisor, along with their recommendations.
25% - Answer member lending questions and provide current loan rates and NADA used car quotes to members, as well as any other information requested on credit union products and services.
20% - Communicate with members by phone, email, or fax to complete their request.
15% - Assists members with opening and closing accounts, answers questions about products and services and resolves problems that are within their authority to resolve.
5% - Maintain usage proficiency on all member-related third party systems and software including the maintenance of member records. These systems include but are not limited to member check ordering, ATM/Debit card ordering and maintenance, account and identity verification, etc.

Performance Measurements:
1. Is knowledgeable on the features and benefits of all Credit Union products and services; determines member needs and recommends products and services based on those needs.
2. Listens and engages the members financial needs, identifies opportunities for consultative selling and actively sells products and services to the members.
3. Refer and cross-sell credit union products and services in order to meet member needs and individual goals.
4. Knowledgeable and proficient in the account opening process for all deposit accounts including but not limited to savings, checking, money market, and club accounts; Also, have proficiency in identification and new account screening methods and be able to fully explain regulatory requirements on all accounts and services.
5. Knowledgeable and proficient in Certificate of Deposit and Individual Retirement Accounts (IRAs) including opening, renewing and closing, and accurately calculating withdrawal penalties and dividend payments as appropriate.
6. Accurately and efficiently complete all member or account related forms and forward to appropriate department for action and/or filing.
7. Possess complete and accurate knowledge of all credit union products, services, policies and procedures.
8. Must be available to assist the Call Center or eServices for back-up as requested by management, as well as work on Saturdays when needed.
9. Respond to all correspondence within one day.

Knowledge and Skills:
Experience: A minimum of one to two years new accounts or loan processing experience at a credit union or other financial institution.
Education: A high school education or GED. Must be knowledgable 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 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
• Focus on serving the member, gaining the member’s respect and trust, and always acting with the member in mind.
• Analytical ability to quickly assess member’s financial needs and offer solutions with excellent product and service sales skills.
• Intermediate computer skills including experience with Microsoft Office products, including but not limited to Word, Excel, email and Outlook.
• Ability to learn and use the credit union PC hardware and software.
• Proficient in English grammar and spelling with excellent oral and written communications.
• Willingness to attend training seminars and meetings outside normal working hours.
• Must have a proactive and positive attitude toward members, supervisors, co-workers and the credit union.

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:
To collect and submit loan documents to underwriting, closing, and funding for approval.

Essential Functions & Responsibilities:
25% - Package and submit loans to underwriting, closing and funding.

15% - Reviews and evaluates information on mortgage loan documents to determine if buyer, property, and loan conditions meet Credit Union and government standards.

15% - Requests additional information from co. and/or applicant.

15% - Evaluates acceptability of loan to corporation that buys real estate loans on secondary mortgage markets (where existing mortgages are bought and sold by investors).

15% - Assembles documents in loan file, including acceptance or denial, and returns file to originating mortgage loan department.

10% - Records loan rejection, specifying investor and Credit Union guidelines and basis for declining application.

5% - Performs other job related duties as assigned.

Performance Measurements:
1. Communicate underwriting decisions to involved parties within 24 hours of receipt of mortgage
file and documentation.

2. Ensure established credit union and government standards for the mortgage industry are met at all
times and strict compliance with policies, procedures, rules, and regulations are adhered to.

3. Provide friendly, accurate, professional service to members and associates by responding to
messages and correspondence within 24 hours.

4. Meet or exceed the minimum established individual goals each month.

5. Develop and maintain knowledge of all mortgage products and rates within the credit union and
from the mortgage industry.

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

Education: A high school or GED degree. College preferred.

Interpersonal Skills: Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation. Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.

Other Skills:
Must have good communication skills. 10-key calculator, typewriter, and keyboard skills. 

Role:
Provide back-office support to other credit union departments. Process in and out-going mail. Order supplies for the entire organization. Process mobile deposits. Responsible for all aspects of document preparation, document scanning, indexing to member number, filing credit agreements; signature cards; OD notes; Powers of Attorney, records retrieval, closed account records maintenance, and merger documentation-scanning and maintenance.

Essential Functions & Responsibilities:
50% - Scan and image credit union documents to the centralized image repository. Perform quality control monitoring of documents imaged in other departments. Process and distribute all incoming mail and interoffice mail bags for courier service. Process all outgoing mail including notices, loan coupons, CD renewals, and other credit union correspondence. Process credit union returned mail and update the core data processing system with correct member addresses

20% - Handle all aspects of mobile deposit processing to include check review, reversals, holds, extended holds, and release of funds. Post payment is support of back office and branch activities

15% - Log and report all suspected fraudulent items according to established procedures. Balance all financial activity on a daily basis, and upload processed checks to the central clearing house. Review reports from the core system, governmental agencies and other sources to verify accuracy of data and compliance with all regulations

10% - Assist with research of mortgage documents and other member requests as needed. Maintain credit union supply room. Order and distribute supplies to all departments as needed.

5% - Performs other job related duties as assigned.

Performance Measurements:
1. To troubleshoot and resolve member and internal inquiries in a timely, friendly and accurate manner

2. To timely image documents for all designated centers

3. To ensure correct files are pulled and forwarded to other departments

4. To retrieve documentation for all departments within 24 hours of the request

5. To ensure all deposited items are posted accurately and that potential fraud is captured and reported

6. To accurately purge files after retention period has been met

7. Accept individual accountability and responsibility for success of FSCU which includes meeting assigned goals/projects

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

Education: A high school or GED degree. 

Interpersonal Skills: Normal courtesy in dealing with others is required. Work involves minimal contacts within the organization. Contact involves routine, non-sensitive issues. Member or vendor contact is limited to incidental contact.

Physical Requirements:
While performing the duties of the job, the employee is regularly required to :
- Position self to move about the work area
- Reach, grab, sort
- Communicate in person and via telephone with others
- Identify and recognize small font communication
- Ability to transport a minimum of 10 pounds

Role:
Serve as liaison between loan department, credit union employees and members. Provide information on loan types and credit union products to members and fellow employees.

 

Essential Functions & Responsibilities:
50% - Send and receive loan documents to/from members using the Signix tool and email.

20% - Fund all loans for assigned Sales Associates.

10% - Forward title packages to Title Clerks.

5% - Process indirect loans from Credit Human and reconcile GL monthly.

5% - Review personal and Loan Processor queues and follow up on all loans as needed to promote completed paperwork and loan funding.

5% - Complete home improvement and equity loan documents. File documents to perfect lien on home improvement/equity loans.

5% - Perform other job duties as assigned.

 

Performance Measurements:

1. Ensure accurate and timely processing of all loan documents.

2. Ensure all necessary documents are present, signed, and imaged.

3. Maintain a high quality control score.

4. To ensure member service is top priority whether internally or externally; treat members and employees professionally with courtesy and respect.

 

Knowledge and Skills:

Experience: Minimum one year operations and/or lending experience, preferably in a credit union environment.

Education: A high school education or GED. Must be knowledgable 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 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: Must possess excellent verbal communication skills. Must have a proactive attitude toward members, supervisors, co-workers and the credit union. Must be proficient in Microsoft Office products, including but not limited to Word, Excel, email and Outlook. Ability to handle multiple projects simultaneously and work with limited supervision, exercising own initiative and judgment.

Physical Requirements: While performing the duties of the job, the employee is regularly required to :
-position self to move about the work area
-reach, grab, sort
-communicate in person and via telephone with others
-identify and recognize small font communication
-ability to transport a minimum of 10 pounds

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

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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