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

To direct, provide general direction, team leadership, support, and operational management for a branch office to meet credit union goals. Assist with the development, modification and implementation of procedures for daily branch operations. 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.

Essential Functions & Responsibilities: Responsible for overall branch performance regarding staff production and positive financial results. Actively pursue new business opportunities in the community, give presentations, and develop new member relationships. Participate in community activities, events and functions to further the strategic business plan of the credit union. Responsible for developing and implementing individual staff goals, based on branch goals and overall credit union strategic plan, and motivating staff to attain the goals set by senior management. Responsible for being knowledgeable in all areas of branch and lending operations and remaining current on all credit union products and services. Maintain operational compliance with all credit union procedures, policies, governing regulations and codes, and internal controls including maintaining proper cash limits. Must be available to travel to any branch location for support as requested by management, as well as work on Saturdays when scheduled.

Experience: Two years to five years of similar or related experience. Minimum five (5) years experience in a full service financial institution or other retail customer service profession with exposure to a variety of programs/products. Three to five years lending background in a financial institution or related field. Two or more years experience in developing new business or community involvement.

Education: A high school education or GED; college degree preferred. Knowledgeable of Bank Secrecy Act and Anti-Money Laundering regulations and requirements a plus.

Other Skills: The ability to speak and write clearly and effectively to achieve the desired effect in a variety of communications settings and styles. The ability to prepare and maintain confidential records and reports. The dedication to meeting the expectations and requirements of internal and external members, use feedback for continuous improvement, and develop and maintain effective relationships. The ability to generate new and unique ideas as solutions to operational or member service issues, and develop non-traditional ways of doing business. The ability to analyze statistical and financial data and present findings. Must have workable knowledge of Microsoft Office products, including but not limited to Word, Excel and Outlook. Advanced leadership, communication, and organizational skills. Ability to maintain a high level of confidentiality at all times.

EOE

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.

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

Provide 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.

Essential Functions and Responsibilities:
Support Branch Manager in all areas of member service operations, including but not limited to member services, staff performance management, compliance and facilities. Responsible for daily coordination of Tellers and Teller duties including cross-selling. Actively educate and inform members on all credit union products and actively cross-sell all products/services to meet monthly production goals. Assist member(s) with account inquiries in a timely and accurate manner and perform all functions associated with account maintenance as requested including but not limited to personal and account data changes, address changes, and account closures. Maintain vault and ATM cash in an accurate manner. Responsible for replenishing and verifying cash shipments from Federal Reserve under dual control system. Balance and service coin machine (where applicable). Perform regular unannounced audits on Teller cash drawers, ATM, and vault cash. Assist Tellers in all phases of their duties including balancing cash drawer and end of day procedures. Responsible for ensuring compliance issues are properly administered in the member services area. Resolve and follow-up on member complaints and issues to insure the highest quality member service. Assist with account opening responsibilities. Perform other job duties as assigned.

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.

Other Skills:
- Customer-service skills
- Detail-oriented
- Multi-tasking

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

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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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