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AVP, Loan Servicing & Loss Mitigation Compliance Officer Data Analyst
Member Service Rep I - McLeod Member Service Rep II - Whitney REO/Foreclosure Specialist

AVP, Loan Servicing & Loss Mitigation

40 Hours (Full time)

Monday-Saturday (varied hours)

McLeod Office
4221 McLeod Dr.
Las Vegas, NV 89121

SUMMARY:

The AVP, Loan Servicing & Loss Mitigation provides leadership and management oversight to the loan servicing and loss mitigation activities of the credit union; ensuring timely payments on the credit union’s loan portfolio and assisting members suffering from financial hardship in restructuring their loan obligations. The AVP will endeavor to ensure that the credit union is proactive in avoiding loan losses and pursuing prompt recovery of all monies owed to the credit union in a timely manner.

  • ESSENTIAL DUTIES AND RESPONSIBILITIES include the following.  Other duties may be assigned.
  • Supervises and mentors staff.  Assigns accounts to be worked, and maintains a system of control that indicates progress with regard to granting financial assistance, the receipt of payments on delinquent accounts (loans and overdrawn depository accounts), more stringent collections actions that need to be taken, legal processes to be initiated, and/or alternative collection methods that need to be initiated to ensure prompt repayment of credit union loans.
  • Maintains satisfactory levels of member service on closed loans, assisting members with understanding loan terms, disbursement of escrow accounts (first mortgages) and effecting changes to their accounts in conformance with credit union policies, operating guidelines and procedures.
  • Contacts delinquent borrowers in person, by telephone, or by mail, to encourage prompt repayment of delinquent accounts when required.
  • Ensures that all department functions conform to all state and/or national legislative and regulatory requirements and to all approved credit union policies, operating guidelines and procedures in a timely manner; preparing response(s) to audit/examination findings and correcting deficiencies in a timely manner.
  • Prepare and maintains loan portfolio analytics for credit score migration tracking, residential real property value tracking, collateral insurance tracking.
  • Ensures that accounting general ledger accounts are maintained in-balance at all times and that correct reporting of interest paid by members is done throughout the year and at year-end.
  • Develops and ensures that department workflows and the use of technology provide the credit union with optimal efficiencies, cost reductions and the highest level of member service.
  • Initiates recovery of credit union loan collateral, through repossession or foreclosure, and ensures that the credit union receives the highest rate of return when disposing of recovered loan collateral.
  • Monitors and review open-end lines of credit and credit cards, based on a member’s most recent credit score and other characteristics, to reduce or cancel credit limits in conformity with current lending guidelines; ensuring prompt delivery of a correct adverse-action notice is delivered to members.
  • Ensures that Bankruptcy filings are processed on a timely basis, oversee the preparation of Proof of Claims, attends Bankruptcy hearings representing the credit union and making submissions to the Bankruptcy Court regarding the credit union's claims and interest in the proceedings.
  • Interface with legal counsel on collections issues, appears in court when necessary; ensures claims are filed in Small Claims Court and attends and ensures hearings are attended by competent trained department staff to present evidence in support of a claim of the credit union.
  • Recommend loans to be charged off each month.  Recommends charge offs for returned checks and overdrawn checking accounts on a quarterly basis.
  • Implements loss prevention practices, such as the maintenance of Collateral Protection Insurance, general insurance coverage, posts death claim recovery checks, and the review of Highway Department reports on abandoned vehicles.
  • Ensures the any potential loss on a credit union is recognized in a timely manner and that delinquency grading is accurate such that the credit union’s allowance for loan loss is accurately calculated on a monthly, month-end, basis by the 5th business day of an ensuing month.
  • Ensures the correctness of monthly and intra-monthly department productivity tracking is completed in a timely manner and that all month-end reports are submitted for review by the Chief Lending Officer by the 5th business day of an ensuing month.
  • Assists the Chief Lending Officer in the preparation of the Department Budget.
  • Performs such other loan servicing and loss mitigation functions as assigned by the Chief Lending Officer or the Chief Executive Officer.

 

EDUCATION and/or EXPERIENCE:

Bachelors Degree from an accredited institution of higher learning or work experience of at least 10 years of loan servicing and loss mitigation within financial services; or equivalent combination of education and experience.

*APPLICATIONS WHICH ARE NOT FULLY COMPLETED WILL NOT BE CONSIDERED

**"SEE RESUME" ON APPLICATIONS WILL NOT BE CONSIDERED

SILVER STATE SCHOOLS CREDIT UNION IS AN EQUAL OPPORTUNITY EMPLOYER (EOE)


Compliance Officer

40 Hours (Full time)

Monday-Friday (8am-5pm)

McLeod Office
4221 McLeod Dr.
Las Vegas, NV 89121

 

SUMMARY:

Responsible for the development, implementation and maintenance of the credit union’s compliance program, vendor management program, and Business Continuity Plan.  

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following.  Other duties may be assigned.

  • Responsible for the coordination of proposed, pending, and final regulatory updates and compliance changes in the credit union environment. Through use of a Compliance Management System, receive, assign/distribute to appropriate business unit(s), monitor, and report the status of implementation and completion of regulatory changes throughout the credit union, including but not limited to:
  • Bank Secrecy Act/Anti-Money Laundering
  • Customer Due Diligence and Enhanced Customer Due Diligence
  • Customer Identification Program (CIP)
  • Office of Foreign Asset Control (OFAC)
  • USA Patriot Act of 2001/Know Your Member
  • Member Due Diligence.
  • Credit Card Act of 2009,
  • Electronic Signatures in Global and National Commerce Act of 2000 (ESIGN Act)
  • Fair Lending
  • Fair Credit Reporting Act (FCRA)
  • Fair and Accurate Credit Transaction of 2003 (FACTA)
  • Federal Trade Commission (FTC)
  • Financial Services Modernization Act of 1999/Gramm-Leach Bliley (GLBA)
  • Military Lending Act (MIL)
  • National Automated Clearing House Asociation (NACHA)
  • Servicemembers Civil Relief Act (SCRA)
  • SAFE Act,

 

  • Reg AA/Unfair or Deceptive Acts Practices (UDAAP)
  • Reg B,
  • Regulation C/HMDA,
  • Reg CC/Availability of Funds and Collections of Checks,
  • Reg D,
  • Reg DD/Truth in Savings (TISA)
  • Reg E/Electronic Funds Transfer,
  • Reg GG/Prohibition on Funding of Unlawful Internet Gambling,
  • Reg H/National Flood Insurance Program
  • Reg J/Collection of Checks and Other Items by Federal Reserve Banks and Funds Transfers through Fedwire,
  • Reg M/Consumer Leasing,
  • Regulation O/Loans to Executive Officers, Directors, and Principal Shareholders of Member Bank,
  • Reg P/Privacy of Consumer Information,
  • Reg X/ Real Estate Settlement Procedures Act (RESPA),
  • Reg Z/Loan Originator Compensation and Steering (TILA)

 

  • Responsible for monitoring and keeping up to date with industry organizations, such as CUNA, CUES, CCUL and regulatory entities including, but not limited to, the CFPB, the FFIEC, the FRB, FinCEN, and the NCUA.
  • Responsible for monitoring and keeping up to date with State of Nevada Revised Statutes and Administrative Code.
  • Responsible for providing education and guidance on pending compliance changes as requested and for monitoring organizational compliance, escalating areas of compliance concern or implementation issues to management.
  • Responsible for providing support to management and coordinating with Compliance vendor to respond to compliance inquiries on existing or new products or services, transactions, disclosures or advertising, training, and policies and procedures.
  • Maintain member complaint tracking log and escalate unresolved issues.
  • Responsible for the credit union’s Vendor Management Program including updates to policy, ensuring plan compliance with guidance, overseeing the vendor management system, reviewing new and existing vendor contracts and transmittal forms for completeness, ensuring accuracy of data entry, reporting and monitoring of vendor due diligence assignments, and providing management and Board reporting.
  • Responsible for the credit union’s Business Continuity Plan including updates to policy, plan compliance with guidance, the plan system and maintenance of the plan including employee contact lists, vendor lists, coordinating periodic business unit reviews/updates, and distribution to appropriate personnel.

EDUCATION and/or EXPERIENCE:

At least five years of broadly-based experience in retail financial institutions.  Strong knowledge of credit union policies and procedures and credit union regulatory environment. Two years’ experience in compliance, audit, vendor management or business continuity.  

*ONLY FULLY COMPLETED APLICATIONS WILL BE CONSIDERED*

**SEE RESUME ON APPLICATIONS WILL NOT BE CONSIDERED**

SILVER STATE SCHOOLS CREDIT UNION IS AN EQUAL OPPORTUNITY EMPLOYER (EOE)


Data Analyst

40 Hours (Full time)

Monday-Friday 8:30am-5:30pm

McLeod Office
4221 McLeod Dr.
Las Vegas, NV 89121

SUMMARY:

The Data Analyst will provide critical data reporting delivery, packaging, and analytic capabilities. This role will analyze complex data structures to generate useful business insights and develop reporting to monitor business critical results. The Data Analyst will support the leadership team with data consultation, data gathering, data delivery, and data analysis. 

ESSENTIAL DUTIES AND RESPONSIBILITIES may include the following.  Other duties may be assigned.

  • Investigate data issues in account data from acquisition through presentation in the UI.
  • Assist in identifying issues that may adversely affect the performance of the Information
  • Technology department.
  • Perform unscheduled ad-hoc analysis for business partners and the credit union team.
  • Answer and document 'help desk' phone calls from credit union employees.
  • Participate on project teams.
  • Communicate with business partners to establish data requirements.
  • Be the official Information Technology representative in a variety of credit union endeavors.
  • Present final analysis to business partners and/or the credit union team.
  • Consult within and outside of Information Technology, professionally, to enlighten and educate.
  • Create tools or queries to obtain data from central data repository for the purposes of reporting and analysis.
  • Empower every user with data so they can make sound decision.
  • Perform ad-hoc analysis for business partners and the credit union team.
  • Implement analytic directives on data from senior staff and clients and develop written reports as needed.
  • Run SQL queries to produce counts, statistics, reports and graphs to circulate quantitative information to all departments.
  • Analyzing data sets and presenting results in an easily readable format.
  • Interpret available data to identify significant trends in operational statistics and prepare conclusions and forecasts based on those trends.
  • Use a variety of database software techniques to produce various media tools such as: reports, charts, graphs, lists, labels, memos, etc
  • Recommend and/or identify key business metrics.  
  • Create or update reporting presentations and other documentation.
  • Assist in designing, documenting, programming and standardizing processes and reports.
  • Participate in quality assurance of measures including test case creation, SQL code review, independent results validation, and pulling sample cases from member data to support User Acceptance Testing.
  • Audit processes to ensure adherence to defined policies, processes, and procedures; generate formal report of audit findings.
  • Create or update documentation including policies, data flows, methods and procedures and other documentation as required.
  • Manipulating large data files using SQL, MS Query and MS Excel including pivoting capabilities and creating macros.
  • Ability to handle large data sets while maintaining database integrity.
  • Creating and scheduling targeted reports, data collection jobs, integration(s), and secure transfers of data.
  • May code new or modified programs, reuse existing code through the use of program development software alternatives and/or integrate purchased solutions.
  • Document, test, implement and provide on-going support for the application(s).
  • Assure validity by checking data accuracy, applying reasonability checks, and maintaining audit trails.

EDUCATION and/or EXPERIENCE:

BS in Computer Science or comparable accredited program with a quantitative emphasis or equivalent experience.

  • Experience with validating data from various data sources; flat files and relational databases (often in the same project).
  • Experience in data mining or profiling using query tools such as SQL, Excel, etc.
  • Experience with stdin/stdout and/or Batch Scripting a plus.
  • Some Familiarity with Unix environment a plus.
  • Experience with Symitar PowerOn (formerly RepGen) a plus.

 

*ONLY FULLY COMPLETED APLICATIONS WILL BE CONSIDERED*

**SEE RESUME ON APPLICATIONS WILL NOT BE CONSIDERED**

SILVER STATE SCHOOLS CREDIT UNION IS AN EQUAL OPPORTUNITY EMPLOYER  (EOE)


Member Service Rep I - McLeod

40 Hours (Full time)

Monday-Friday (8:45am-5:15pm)

McLeod Office
4221 McLeod Dr.
Las Vegas, NV 89121

SUMMARY:

Responsible for presenting and explaining credit union products and services to members and assisting them to utilize these products and services.  Assist members in resolving account-related problems by recommending solutions that will meet and/or exceed their requests.  Build member relationship through proactively identifying additional products and services that will aid the member in achieving their financial goals.  Communicate effectively with prospective and current members and to represent the credit union in a positive and professional manner.  Provide highest level of caring, personalized service and quality products, while staying abreast of members’ needs and expectations.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following.  Other duties may be assigned.

In accordance with prescribed methods and operating policies and established practice, the Member Service Representative I:

Greets and interviews members to determine financial needs.  Suggests and explains appropriate deposits, lending and investment products. Describes  and recommends suitable insurance products and automated services.  Directs members to appropriate staff member or department.

Processes a variety of financial transactions for members including issuing checks, processing deposits and withdrawals from accounts, filing insurance claims, issuing certificates, drafts and other negotiable instruments.

Responds and researches member inquiries regarding the operation of accounts, access to services, resolving account discrepancies, balancing and reconciling, adding or reducing service features on various accounts, and assisting members to make the most effective use of automated services.

Explains the features and benefits of credit union electronic services and approves applications.  (Debit Card, Voice Response, Online Bill Pay, Online Banking, Direct Deposit, ACH Debit/Credit and Payroll Deduction). Performs clerical duties such as photocopying, faxing, processing incoming and outgoing mail and filing.

May assist in training new Member Service Representatives in all financial service transactions and procedures.

Performs various duties to provide members Safe Deposit services.

Meet and/or exceed assigned goals.

Follow established credit union policies and procedures, government rules and regulations, and visitor and security guidelines.

Perform other duties as assigned.

EDUCATION and/or EXPERIENCE:

High school diploma or general education degree (GED); and a minimum of 6 months related experience and/or training; or equivalent combination of education and related experience.  Thorough knowledge of credit union's computer system for performing basic input/output tasks including Word and Excel desired.

**Bilingual Preferred**

 

*ONLY FULLY COMPLETED APLICATIONS WILL BE CONSIDERED*

**SEE RESUME ON APPLICATIONS WILL NOT BE CONSIDERED**

SILVER STATE SCHOOLS CREDIT UNION IS AN EQUAL OPPORTUNITY EMPLOYER (EOE)


Member Service Rep II - Whitney

40 Hours (Full time)

Monday-Saturday (varied hours)

Whitney Office
683 N. Stephanie St.
Henderson, NV 89014

SUMMARY

Responsible for presenting and explaining credit union products and services to members and assisting them to utilize these products and services.  Assist members in resolving account related problems by recommending solutions that will meet and/or exceed their requests.  Build member relationship through proactively identifying additional products and services that will aid the member in achieving their financial goals.  Communicate effectively with prospective and current members and to represent the credit union in a positive and professional manner.  Provide highest level of caring, personalized service and quality products, while staying abreast of members’ needs and expectations.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following.  Other duties may be assigned.

In accordance with prescribed methods and operating policies and established practice, the Member Service Representative II

  • Greets and interviews members to determine financial needs.  Suggests and explains appropriate deposits, lending and investment products.  Describes and recommends suitable insurance products and automated services.  Directs members to appropriate staff member or department
  • Processes a variety of financial transactions for members including the opening and closing of accounts, issuing checks, processing deposits and withdrawals from accounts, filing insurance claims, issuing certificates, drafts and other negotiable instruments.
  • Responds and researches member inquiries regarding the operation of accounts, access to services, resolving account discrepancies, balancing and reconciling, adding or reducing service features on various accounts, and assisting members to make the most effective use of automated services. 
  • Explains the features and benefits of credit union electronic services and approves applications.  (Debit Card, Voice Response, Online Bill Pay, Online Banking, Direct Deposit, ACH Debit/Credit and Payroll Deduction)
  • Performs clerical duties such as photocopying, faxing, processing incoming and out going mail, filing and notary services.
  • May perform Senior Member Service Representative duties as required in their absence.
  • Performs all lending functions as required at the branch level. 
  • Assists in training new Member Service Representative in all financial service transactions and procedures.
  • Performs various duties to provide members Safe Deposit services. 
  • Meet and/or exceed assigned goals.
  • Follow established credit union policies and procedures, government rules and   regulations, and visitor and security guidelines.
  • Performs other duties as assigned.

EDUCATION and/or EXPERIENCE: 

High school diploma or general education degree (GED); and a minimum of one year related experience and/or training; or equivalent combination of education and related experience.  Thorough knowledge of credit union's computer system for performing basic input/output tasks including Word and Excel desired.

*ONLY FULLY COMPLETED APLICATIONS WILL BE CONSIDERED*

**SEE RESUME ON APPLICATIONS WILL NOT BE CONSIDERED**

SILVER STATE SCHOOLS CREDIT UNION IS AN EQUAL OPPORTUNITY EMPLOYER  (EOE)


REO/Foreclosure Specialist

40 Hours (Full time)

Monday-Friday (varied hours)

McLeod Office
4221 McLeod Dr.
Las Vegas, NV 89121

Summary:

This position is responsible for providing support and assistance to the Manager, Residential Real Estate Loan Loss in handling the foreclosure of residential real estate collateral and in providing Real Estate Owned (REO) administration and oversight to ensure the credit union minimizes losses from the rehabilitation and repair of recovered residential properties.

 

Essential duties and responsibilities include the following but are not limited to.  Other duties may be assigned as needed.

  • Advise members of the credit union’s financial hardship programs that provide an alternative to foreclosure and keep members in their homes; where there is a financial benefit for the credit union to modify the terms of a member’s loan.
  • Where a member is not interested in the credit union’s financial hardship programs, endeavor to convince the member to provide the credit union with a deed-in-lieu of foreclosure as an alternative to foreclosure.
  • Accurately track foreclosure timelines and ensure that members are provided all required legal notices and remedies to save their home from foreclosure.
  • Attend trustee sales where credit union collateral is being sold and ensure that the credit union does not lose any rights with respect to the loan collateral agreement and obtains clear title to the property; if another bidder does not want the property at a price to recover the proper capitalized balance of a member’s residential real estate loan.
  • Assign service providers for the maintenance and rehabilitation/repair of recovered residential property utilizing a rotational system without preferential treatment and ensure work being performed conforms to the credit union’s scope of work guidelines and/or operating guidelines.
  • Investigate and manage services providers to ensure that they are properly licensed, bonded and/or insured to perform required taskings and inspect properties on a regular basis to ensure work has been completed in conformity with the credit union’s scope of work guidelines and any contract for work that has been completed between the credit union and an approved service provider.
  • Determine potential losses and prepare reports identifying potential losses to the credit union as early as possible.
  • Ensure that requests for payment by service providers reflect actual work to be completed/being completed or materials being provided and interface with the executive assistant to the senior staff has the necessary information from which to pay outstanding invoices in a timely manner.
  • Report to the Foreclosure/REO Analyst, in a timely manner, all activities as it relates to the credit union’s to be obtained or obtained residential real estate properties as requested by the Foreclosure/REO Analyst.
  • Other duties as assigned by the Manager, Residential Real Estate Loan Loss, the Director, Loan Servicing and Loss Mitigation, or the Vice President, Chief Lending Officer.

Education and/or experience:

High school diploma or equivalent.  Basic knowledge of real estate and mortgage lending.

*ONLY FULLY COMPLETED APLICATIONS WILL BE CONSIDERED*

**SEE RESUME ON APPLICATIONS WILL NOT BE CONSIDERED**

SILVER STATE SCHOOLS CREDIT UNION IS AN EQUAL OPPORTUNITY EMPLOYER (EOE)


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