Careers

INDIRECT LENDING MANAGER

FUNCTION: The Indirect Lending Manager is responsible for managing the indirect lending process, including review and approval of loan applications from auto dealerships. This role involves building relationships with dealers, ensuring compliance with credit union policies, and delivering exceptional member service.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following:

• Loan Processing: Review and assess loan applications for completeness, accuracy, and compliance with credit union policies and regulatory requirements.
• Relationship Management: Establish and maintain strong partnerships with auto dealerships and other indirect lending partners. Provide training and support to partners on loan products and processes. Includes monthly visits to build Dealer relationships within established field of membership.
• Credit Analysis: Conduct thorough credit analysis, including evaluating credit reports, financial statements, and borrower profiles to determine risk levels and loan eligibility.
• Decision-Making: Make informed lending decisions based on established criteria, and communicate decisions promptly to dealers and borrowers. Provide remote loan decisioning weeknights and weekends for dealers.
• Member Service: Provide exceptional service to both dealers and members, addressing inquiries and resolving issues in a timely manner.
• Documentation: Ensure all loan documentation is complete, accurate, and stored in accordance with credit union policies and procedures.
• Compliance: Stay updated on industry regulations and credit union policies to ensure compliance in all lending practices.
• Reporting: Prepare and maintain reports on loan volume, performance, and dealer activity for management review.
• Team Collaboration: Work closely with other departments, including underwriting and collections, to facilitate smooth loan processing and enhance member experience.

WORKING RELATIONSHIPS: Reports directly to the Senior Vice President/Chief Lending Officer.

EDUCATION & EXPERIENCE REQUIRED: 

• Education: Bachelor’s degree in finance, business, or a related field preferred.
• Experience: Minimum of 5 years of experience in lending, preferably in indirect lending or automotive finance.
• Skills:
-Strong analytical and decision-making skills.
-Excellent communication and interpersonal skills.
-Proficiency in lending software and Microsoft Office.
• Knowledge: Understanding of credit union operations, lending practices, and relevant regulations.

Human Resources Coordinator

FUNCTION: Perform a variety of duties relating to the support of the Human Resources function for the Credit Union.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following:

1. Responsible for general staffing:
   1. Prepare, and post internal positions per email to all employees, and in ADP. Contact candidates, and schedule interviews, administer and score Teller Tests.
   2. Perform reference checks on potential employees. Verify education and driving record if applicable. Send bondability information to CUNA for processing. Complete credit checks, references, CORI and check systems on final new hire applicants.
   3. Prepare new hire orientation packets. Conduct orientation and complete required documentation as well as benefit enrollment forms. Ensure I-9 form is completed and filed in an accurate and timely manner.
   4. Complete applicant tracking to ensure compliance with the Credit Union’s Affirmative Action Plan. Prepare no interest letters for resumes and applications that have been reviewed and rejected. File resumes by category, purge as needed. Prepare reject letters for candidates who have been interviewed and not hired.
   5. Prepare separation packages with necessary documentation as COBRA including election notification, Exit Interview, DET information and Life Insurance conversion plan. Send Termination Reports to manager.
   6. Complete and send MIS appropriate forms to documents new hires, promotions/transfers and terminations.
2. Responsible for Employee Relations:
   
   1. OSHA reports and posting as required.
   2. Periodically audit compliance boards and send updates as required.
   3. Coordinate HR and Credit Union community events.
      
3. Responsible for Service to Employees:
   1. Responsible for service to all employees who come to the Human Resources department for assistance.
   2. Establish and maintain the confidentiality of employee records.
   3. Prepare monthly performance appraisal lists and distribute to managers; monitor for timely return to HR for processing.
   4. Track employee attendance according to the Credit Union’s Attendance Policy. Complete corrective action process in a timely manner, and monitor the return of signed forms.
   5. Coordinate the daily administration of the benefits program which includes communicating information and processing forms for all employee benefits; act as liaison between employees and benefit providers. Maintain accurate enrollment records, and make changes as needed on a timely manner.
   6. Process the monthly billing of premiums, review of invoices, makes changes as necessary due to employee changes, and submit bill payment to Financial in a timely manner.
   7. Prepare MA PFML and Family and Medical Leave notices; monitor for compliance and length of leave. Coordinate the leave process with employees, process health insurance payments for employees on Leave of Absence.
   8. Prepare Workers’ Compensation documents; and submit accident reports as necessary.
      
4. Cross-Trained to complete all functions associated with Payroll and 401K processing.
5. Any other duties assigned.

WORKING RELATIONSHIPS: Under the direct supervision of the AVP, Human Resources and Senior Vice President/Chief Human Resources Officer.

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 these essential functions.

While performing the duties of this job, the employee is regularly required to sit and reach with hands and arms. The employee is frequently required to stand for extended periods of time; use left and right hands for fine manipulation to finger, handle, or feel objects, tools, or controls; be able to read and write; have numerical comprehension. The employee is occasionally required to walk, stoop, kneel, crouch, or crawl; lift and carry weighted objects of up to 10 pounds; and talk or hear. Specific vision abilities required by this job include close vision and the ability to adjust focus.

WORK ENVIRONMENT/EQUIPMENT: The work environment described here is representative of those an employee encounters while performing the essential functions of this job: General office/Banking environment. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions. The noise level in the work environment is usually moderate. The equipment used is general office bank equipment and PC.

EDUCATION & EXPERIENCE REQUIRED: A high school diploma or equivalent experience. A minimum of three (3) years of Human Resources experience, with working knowledge of the ADP Workforce Now Payroll system.

Required skills for an HR Coordinator:

• Excellent communication and interpersonal skills.
• Must be extremely organized and possess the ability to prioritize and multi-task.
• Detail-orientated with focus on accuracy.
• Working knowledge of word and excel.
• Ability to maintain confidentiality.

We are proud to be an EEO/AA employer M/F/Disabled/Vet.

Assistant Vice President (AVP) Branch Manager

The AVP Branch Manager is responsible for providing leadership and direction to the branch team. They oversee the provision of a full range of services for members and prospective members in addition to training, directing and supervising the branch staff. The branch manager is accountable for maximizing sales and member satisfaction, minimizing operational losses, deepening member relationships and minimizing member attrition. The manager also ensures that all established policies and procedures are followed. In addition, they execute business development activities to ensure sustained growth of the branch, and they seek out new members and business opportunities.

ESSENTIAL BRANCH MANAGEMENT DUTIES AND RESPONSIBILITIES include the following:

1. Exercise supervision over branch personnel
2. Acquire new members, deepen existing member relationships and minimize attrition of existing member’s relationships.
3. Attend to the daily needs of staff, members and prospective members
4. Open IRA certificates of deposit and process member IRA transactions including but not limited to contributions, distributions, transfers, rollovers and changes of beneficiaries
5. Process loan requests and answer credit inquiries
6. Assume responsibility for teller system, and interface with Main Office and vendor as needed to maintain the system
7. Monitor large cash deposits and withdrawals, and complete and forward the Large Currency Transaction Report to Branch Administration
8. Advise and explain the risk associated with large cash withdrawals, emphasizing safety and security of the member and their funds. Explain about possible fraudulent activity and scams involving cash withdrawals
9. Ensure that daily proofs are done as required and oversee accountability for the handling of cash. Assist in resolving balancing problems. Make sure monthly reports and audits are done as per procedures, and inform Senior Management of trends in their market area
10. Review and approve all branch cash orders to ensure compliance with set branch limits
11. Oversee the facilities and equipment of the branch office to ensure the branch is always functioning at its best and is professional in its appearance. Place service calls to maintain and repair equipment as necessary
12. Exercise administrative and operational control over the office including interpreting Credit Union policy and maintaining security and customer service levels efficiently and profitably
13. Represent the Credit Union in the community and actively promote additional business
14. Conduct a monthly staff meeting for branch personnel and an annual training session on security. Attend management meetings and functions as required by Senior Management
15. Open and close branch daily or assign this responsibility to others
16. Respond to Police/Alarm calls after hours. Respond to branch problems/emergencies
17. Approve all expenses incurred by the branch and forward to Senior Vice President (SVP), Branch Administration for final approval

BUSINESS DEVELOPMENT DUTIES included but not limited to:

• Actively build new relationships within the market through outreach and networking
• Seek business opportunities at prospective establishments in the community
• Develop new business opportunities and maintain existing business relationships for further growth and profitability
• Actively participate in community events to promote the Credit Union
• Work with internal departments to create new business products and update existing ones

WORKING RELATIONSHIPS: Under the direct supervision of the SVP, Branch Administration.

EDUCATION & EXPERIENCE REQUIRED: Bachelor’s degree (or equivalent experience) and a minimum of three (3) years as an Assistant or a Branch Manager preferred. Must be working on Management Development Program as identified by Senior Management.

REQUIREMENT: Establishing and Maintaining Registration through NMLS according to the SAFE ACT is a requirement of this position at St. Anne’s Credit Union. Any failure to do so may result in the immediate termination of employment.

Commercial Loan Officer

St. Anne's Credit Union is currently looking to add Commercial Loan Officers to our successful lending team.

FUNCTION: The Commercial Loan Officer is responsible for developing and maintaining quality and profitable relationships with small to mid-sized enterprises, organizations, or individuals as their financial advisor for the full array of products and services made available by the Credit Union and tailored to the Members’ defined strategic objectives. The Commercial Loan Officer develops a variety of product/service revenue opportunities through strategic relationships with accountants, attorneys, key stakeholders, and other qualified sources of business referrals, the effective management of current Member portfolio, and actively promoting referrals to other areas of the Credit Union. The Commercial Loan Officer must also be able to structure and negotiate commercial loan transactions, prepare written presentations of proposed transactions and assist with loan underwriting processes. Other general responsibilities include the timely collection of appropriate Member and transaction information, and ability to monitor the performance of existing relationships in the portfolio.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following:

1. Primary duty is to generate new business and retain loyal, profitable relationships for the Credit Union by providing valuable information and services to Members, and by establishing new profitable relationships that leverage all of the Credit Union’s resources
2. Actively identifies business needs and corresponding revenue opportunities and actively promotes ways to increase Members’ reliance on Credit Union’s products and services
3. Consistently performs business development activities to promote the Credit Union’s Commercial Lending services as well as all other Credit Union resources, such as residential loans, consumer loans, cash management services and deposit products
4. Develops and maintains business referral relationships with existing and prospective Members, and professionals in the accounting, legal and financial planning fields
5. Develops and implements a call program to Members, prospects and referral sources to create Commercial Lending revenue opportunities for the Credit Union
6. Maintains ongoing a proactive level of contacts with Members in the assigned portfolio of relationships to be kept current on changes in financial condition, business or banking strategies, operations, or future plans
7. Actively and consistently participates in local community and civic organizations in order to enhance the Credit Union's image and expand the personal network of business contacts for the development of new business opportunities.

Banking Associates

St. Anne's Credit Union has full time and part time Banking Associate positions available at our branch locations.

FUNCTION: Responsible for assisting new and existing members with various financial needs including teller transactions, new accounts, and general member services. Advise members in the determining which credit union products and services best meet their needs.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following:

1. Greet members and respond to telephone inquiries regarding information concerning credit union products and services in accordance with all regulations and credit union policies and procedures.
2. Serve members at teller window/station.
3. Assist members in opening new accounts such as savings, checking, money market, and certificates of deposit. Obtain proper documentation necessary for opening such accounts. Complete online banking registration and e-statement registration with members at account opening.
4. Handle member inquiries/issues regarding all deposit accounts, including but not limited to processing check orders and reorders, assisting in direct deposit of funds, lost passbooks, fraudulent account activity, and online/ mobile banking issues.
5. Order and maintain debit cards for new and existing members (including the actual production of the debit cards if working in branches where production takes place).
6. Perform maintenance on all existing member accounts and relationships regarding changes of address and/or information. Obtain supporting documentation.
7. Renew, maintain, and redeem certificates of deposit and complete applicable documentation.
8. Open Business checking and savings accounts and obtain all necessary documentation applicable to business type and/or account type. Complete business online banking applications. Complete debit card application and order business debits cards. Refer business members to appropriate business development officer for additional business services and loan requests.
9. Process wire transfer requests.
10. Open and close safe deposit boxes.

Bilingual (English/Spanish) skills are a plus. We are proud to be an EEO/AA Employer M/F/Disabled/VET

Mortgage loan officers

St. Anne's Credit Union is currently looking to add Mortgage Loan Officers to our successful lending team. The Mortgage Loan Officers will service the areas of Plymouth and Rhode Island.

We offer our mortgage professionals a comprehensive product menu, expansive portfolio lending program and rapid turnaround from a great Operations team, which truly differentiates us from the competition.

At St. Anne’s Credit Union, we offer a comprehensive benefits package, including health and welfare benefits, paid time-off and a 401(k) plan. We believe employees who are valued, recognized, rewarded and empowered, will achieve personal and professional growth.

The Mortgage Loan Officer reports to the Vice President – Residential Lending and is responsible for the proactive origination of residential mortgage loan transactions and accountable for the residential loan file from origination to closing, working closely with the Credit Union’s processing, underwriting and closing teams to ensure the accuracy and completeness of the residential mortgage loan file, in conformance with all of the Credit Union’s policies and procedures, secondary market guidelines and all regulatory requirements. The position is also responsible for promoting the Credit Union in the communities we service and cross-selling other Credit Union products and services.

If you are a Residential Mortgage Loan professional with an established track record of successes in the state of Massachusetts or Rhode Island and would like to join a Credit Union that was voted as "Best Financial Institution" in SouthCoast Media Group’s Best of the Best Awards, please contact us at 508-324-7300 or apply online to take advantage of this terrific professional opportunity.

Assistant Branch Manager

St. Anne's Credit Union has an opening for an Assistant Branch Manager.

FUNCTION: In conjunction with the Branch Manager is responsible for the oversight of all daily branch operations, ensuring all established policies, procedures and regulations are being adhered to. Will assume full responsibility for the branch in the absence of the branch manager. Provides leadership, training, coaching and guidance to all banking associates. Serves as a role model in performing all functions necessary to provide the highest level of service to the membership. Seeks opportunities to develop member relationships. Performs a variety of duties related to the daily efficient operation of the branch.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following:

1. Exercise supervision over branch personnel:
   1. Ensure the branch is open and ready to conduct business each business day.
   2. Assist in supervising, directing and controlling the day to day activities of the branch.
   3. Provide leadership and supervision to the branch team. Train staff to Banking and Senior Banking Associate positions.
   4. Serve as the liaison between the branch and various departments to ensure full communication and understanding of all company policies and procedures.
   5. Complete the required settlement of the ATM, teller cash recycler, coin machine, vault and branch proof at day’s end.
   6. Oversee branch cash limits and approve cash orders.
   7. Maintain and approve payroll records, staffing schedules and vacation schedules for branch personnel.
   8. Complete employee performance appraisals as well as any required disciplinary documentation.
   9. Perform any and all supervisor duties as needed.
2. Attend to needs of members and prospective members.
   1. Recommend, explain and open new accounts for members.
   2. Cross-sell services such as loans, safe deposit boxes, e-statements, debit cards and online banking to members.
   3. Conduct ATM and online banking demonstrations.
   4. Provide signature guarantee and notary services.
   5. Open IRA certificates of deposit and process member IRA transactions including but not limited to contributions, distributions, transfers, rollovers and changes of beneficiaries.
   6. Conduct consumer loan interviews, obtaining all necessary documentation for a loan decision, process and close approved consumer loan applications and disburse funds in accordance with credit union loan policies and procedures.
   7. Conduct home equity loan interviews obtaining all necessary documentation for a loan decision and submit completed package to consumer lending department for underwriting and approval. Close and disburse home equity loans in accordance with credit union policies and procedures.
3. Handle a wide variety of member problems either through direct contact or referral to proper department. In absence of Branch Manager, exercise administrative and operational control over the office including interpreting credit union policy and maintaining security and customer service levels.
4. Maintain appropriate security controls to protect the facility against criminal and fraudulent operations and unnecessary risk or exposure.
5. Perform the monthly branch audit, alarm testing and outage reports.
6. Must respond to police department on after-hour calls.
7. Attend staff meetings and trainings as required by Senior Management.
8. Approve expenses incurred by the branch and forward to SVP of Branch Administration for final approval.
9. Responsible for overseeing general maintenance and appearance of the branch office.
10. Represent the credit union in the community and actively promote additional business.
11. Any and all duties assigned by supervisor.

Residential Mortgage Sales Manager

St. Anne's Credit Union has an opening for a Residential Mortgage Sales Manager to focus on business development in the Boston area.

FUNCTION: Responsible for the Residential Mortgage sales activities and participates in related business activities for assigned geographic area. Manages the Mortgage Loan Officers.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following:

1. Responsible for residential mortgage sales activities and participates in related business development activities for assigned geographic area.
2. Must adhere to the requirements of the federal registration under the SAFE Act.
3. Develop a marketing strategy and set sales objectives for the residential mortgage program in assigned geographic area.
4. Oversee the development of new residential mortgage business, the expansion of existing business relationships and the servicing of members.
5. Ensure the provision of service to member or prospective members seeking mortgage services.
6. Assist in the design and ensure proper installation of residential mortgage services.

7. Keep informed of new residential mortgage products and trends in the local real estate market in order to incorporate them into the residential mortgage sales program.

8. Exercise managerial authority concerning staffing, performance appraisals, staff recommendations, promotions, and terminations.

9. The incumbent is responsible for calling on potential or existing members to develop business. External contacts include realtors, builders and developers during the solicitation of residential mortgages.

   WORKING RELATIONSHIPS: Reports directly to the Chief Lending Officer.

   EDUCATION & EXPERIENCE REQUIRED: Bachelor’s degree in business, real estate or related field is preferred. A minimum of ten (10) years’ experience is strongly preferred in residential lending sales and sales management. Strong management and supervisory skills and experience are requirements. Skillful interpersonal relations and communication skills are essential, as is a thorough knowledge of the features and benefits of residential mortgage and secondary market products and services. Strong analytical skills and hands-on knowledge of Ellie Mae’s Encompass are strongly preferred. Demonstrated capacity to cultivate referral networks to increase lead generation is important as is the ability to recruit and train top notch Mortgage Loan Officers who share our commitment to providing superior service and value to our Members.