POSITION: BSA Officer (Full-time)

DESCRIPTION OF DUTIES: The primary duties include conducting high-risk customer reviews utilizing the resources of the credit union (system software, reports, databases, and system applications) analyzing and monitoring high risk accounts and corporate structures for irregular transactions. Responsible for research preparation, investigations, and EDD reviews that are performed on all high risk members. This position performs various quality control reviews and monitoring pertaining to the Bank Secrecy Act, USA Patriot Act, Anti-Money Laundering Program, OFAC, and Customer Identification Program compliance using industry standard and regulatory guidance to ensure the credit union’s compliance efforts are maintained on a prioritized and scheduled basis.

EXPERIENCE:  Experience in a BSA role with a financial institution encompassing a broad knowledge of products and services is required.

EDUCATION:  Bachelor’s degree in Finance or related field or equivalent experience in a related field with a credit union or other financial institution preferred. Maintains required certification(s) in the role of BSA “Officer”.

SPECIFIC SKILLS: Regularly run OFAC and 314a checks, researching any and all matches; research any unusual activity identified through Verafin or at the branch level. Deliver and coordinate BSA/AML training and continued education. Assist in creating company-wide compliance training programs. Regularly monitor SAR activity. Collaborate on all SAR decisions for reporting to FinCEN and the Board of Directors. Follow-up on any irregularities that come from newly opened accounts identified through Meridian Link. Work with branch managers to resolve issues. Utilize internal/external resources to investigate and analyze potential fraud and money laundering. Conduct suspicious activities investigations. Assist during all periodic BSA/AML compliance reviews by gathering files, records, and other pertinent information for review by compliance examiners. Organize analyze, and present data related to the Bank Secrecy Act, the USA PATRIOT Act, and the rules of OFAC,including CTR processing and SAR decisioning. Assist with gathering, processing and coordinating the Bank’s BSA, AML and OFAC data to help ensure compliance with the BSA. Review CTRs for compliance; file on a timely basis; address participates in the development, maintenance and updating of all BSA/OFAC/AML policies, procedures and compliance as they relate to the BSA program shortfalls in documentation provided by branch and operations staff, and provide training to correct those shortfalls as needed. Must comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.

GENERAL REQUIREMENTS:  A significant level of trust, credibility and diplomacy is required. In-depth dialogue, conversations and explanations with members, direct and indirect reports and outside vendors can be of a sensitive and/ or highly confidential nature. Communications may involve motivating, influencing, educating and/or advising others on matters of significance. Typically includes subject matter experts as well as first level to middle managers.

Navigator Credit Union offers a competitive salary and comprehensive benefit package.  Applicants should mail a resume to the Navigator Credit Union, Human Resources, ATTN:  BSA Officer, PO Box 1647, Pascagoula, MS 39568 or email nness@navigatorcu.org

POSITION: Consumer Lending Manager

DESCRIPTION OF DUTIES:  Responsible for organizing, planning and directing the company’s consumer loan functions to maximize profits and growth. This position establishes and implements departmental lending policies and operational procedures consistent with overall company management policies. Underwrites direct and indirect loans, which meet established lending requirements and provide maximum profitability and minimize risk. Approves, declines or counter offers loan applications within set lending authority. Ensures compliance with company standards and practices and State and Federal regulations.  Markets the direct and indirect loan programs to the Branch network and auto dealer base. Ensures department and employees meet designated sales goals. Develops and maintains interest rate structure, lending programs and budgets which are competitive and maximize profitability.  Responds to customer inquiries, conducts application interviews, processes and closes consumer loans.  Supervises loan servicing activities, including collections.  Develops new business and expands existing relationships. Exercises usual authority of a manager concerning staffing, performance appraisals, promotions, salary recommendations and terminations.  Ensures a competent, motivated staff through hiring, training, counseling and coaching of staff employees.

EXPERIENCE:  Five to ten years of similar or related experience, including time spent in preparatory positions.

 EDUCATION:  A college degree in a related field of study is required.

 SPECIFIC SKILLS:  Knowledge of State and Federal regulations affecting consumer loans. Knowledge of consumer loan policies, procedures, products and services.  Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act and the Office of Foreign Assets Control.

 GENERAL REQUIREMENTS:    A significant level of trust and diplomacy is required to be an effective subject matter expert in this position. Must be able to conduct in-depth dialogues, conversations and explanations with customers, direct and indirect reports and outside vendors of a sensitive and/or highly confidential nature.

Navigator Credit Union offers a competitive salary and comprehensive benefit package.  Applicants should mail a resume to the Navigator Credit Union, Human Resources, ATTN:  Consumer Lending Manager, PO Box 1647, Pascagoula, MS 39568 or email nness@navigatorcu.org

POSITION: Director of Training

DESCRIPTION OF DUTIES: The Director of Training will ensure our mission of building a legacy of excellence for our members through service, commitment and substantial value. Working with leadership to engage business units in delivering on the strategic goals of the credit union. Responsible for leadership training, culture training, service recovery, and all training programs provided to staff members. Oversees planning and concept development. Outsources and/or purchases training programs, after thorough evaluation, when it is in the best interests of the organization. Recommends and determines instructional methods, utilizing individual training, group instructions, demonstrations, and workshops; selects or develops training aids such as handbooks, operating guides, visual aids, and tutorials. Responsible for implementation of new training programs. Assesses training techniques, evaluates training results, and considers process improvement techniques to suggest meaningful modifications to existing training programs. Manages the organization’s resources responsibly for training; develops and monitors spending against the budget. Supervises the work of others to include determination of workflows, internal controls, monitoring of work processes, performance evaluation of staff members, initiation of disciplinary actions and salary increase recommendations. Manages direct reports to maximize productivity, efficiency, and the potential of the human assets of the company, including: hiring, directing job assignments, monitoring staff performance, coaching, counseling, training, assuring compliance with regulatory requirements and organizational mission, values, policies and work rules. Appraise performance and provide recommendations for staff compensation, promotion, and termination, as appropriate. Conducts needs assessment studies to determine training programs to be developed and organizational issues to be addressed.

EXPERIENCE: Five to ten years of similar or related experience, including time spent in preparatory positions.

EDUCATION: Bachelor’s Degree in Adult Education or relevant work experience.

SPECIFIC SKILLS: Experience and proven results in education coordination, curriculum development, training assessment, change management and evaluation. Able to communicate with senior managers, employees, trainers from other companies and professional training group members both verbally and in writing. Must have strong organizational skills to manage the needs of each employee and determine which training techniques best suit the company's needs. Must possess strong communication and interpersonal skills. Must have a deep and thorough understanding of the financial industry. Must be able to measure and assess staff training needs.

GENERAL REQUIREMENTS: A significant level of trust and diplomacy is required to be an effective subject matter expert in this position. Must be able to conduct in-depth dialogues, conversations and explanations with internal and external members, direct and indirect reports and outside vendors of a sensitive and/or highly confidential nature. Must be able to perform job functions independently or with limited supervision and work effectively either on your own or as part of a team. Must have able to maintain composure in stressful situations. Must be able to read and carry out various written instructions and follow oral instructions.

Navigator Credit Union offers a competitive salary and comprehensive benefit package.  Applicants should mail a resume to the Navigator Credit Union, Human Resources, ATTN:  Director of Training, PO Box 1647, Pascagoula, MS 39568 or email nness@navigatorcu.org

POSITION: Member Service Representative - Miss.

DESCRIPTION OF DUTIES:  Assist members with a wide variety of services and advise as to how best utilize company products and services in order to meet personal financial goals and provide the highest quality customer service; open various new accounts, process necessary information and educate the customers as to services/products available as a result; assist with wide variety of members services; maintain Safe Deposit Boxes; assist members with checkbooks, process credit card/loan applications for members, manages outgoing wires, solve fraud issues, notary, close accounts and basic shared branching transactions; balancing cash dispense and ATM machine; and must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.

EXPERIENCE: Six months to two years of similar or related experience, including time spent in preparatory positions.

EDUCATION: High school degree or GED required.

 

SPECIFIC 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 and obtaining information, as well as advising or referring, which commonly require shorter discussions.

GENERAL REQUIREMENTS: Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs.; must be able to operate routine office equipment including telephone, copier, facsimile, and calculator; must be able to routinely perform work on computer for an average of 6-8 hours per day; must be able to work extended hours whenever required or requested by management; must be capable of regular, reliable and timely attendance; must be able to perform job functions independently and with limited supervision. Must work effectively as part of a team; must be able to read and carry out various written instructions and follow oral instructions; must be able to speak clearly and deliver information in a logical and understandable sequence; must be able to perform basic financial calculations with accuracy; must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public; must be able to perform responsibilities with composure under stress of deadline, requirements for extreme accuracy and quality and/or fast pace; and must be capable of exercising highest level of discretion on confidential matters.

Navigator Credit Union offers a competitive salary and comprehensive benefit package.  Applicants should mail a resume to the Navigator Credit Union, Human Resources, ATTN:  Member Service Representative, PO Box 1647, Pascagoula, MS 39568 or email nness@navigatorcu.org

POSITION: Mortgage Loan Manager (Full-time)

DESCRIPTION OF DUTIES:  Supervises and assists with the workflow processes in the Mortgage Center to achieve maximum productivity and assures a smooth and efficient Mortgage Center operation. Provides services to originators, members and other departments for all types of mortgage loan processing. Responsible for all accounting procedures required in loan funding. Oversees that mortgage loan documentation is accurate, complete and ready for member closings.  Troubleshoots and resolves issues regarding member or internal inquiries, either by direct interaction, telephone, appropriate delegation or written correspondence. Manages direct reports to maximize productivity, efficiency, and the potential of direct reports, including: hiring, directing job assignments, monitoring staff performance, coaching, and assuring compliance with regulatory requirements and organizational mission, values, policies and work rules. Appraises performance in a timely manner and provide recommendations for staff compensation, promotion, and termination, as appropriate.  Developes staff by providing information, education and experiential growth opportunities. Verifies the timely funding of sold loans to ensure there are no outstanding deficiencies. Compiles monthly funding and other regular reports for management. Reviews bills for payment, including appraisals, searches, recordings and title insurance bills. Provides appropriate training and updates for processors to ensure ongoing knowledge of systems, regulatory matters, products and investors. Maintains close relations with others in the banking community, home construction, and real estate to be knowledgeable about property values and to build a network of professionals.

EXPERIENCE:  Two to five years of similar or related experience, including time spent in preparatory positions. Experience with Federal Housing Authority (FHA), Veterans Affairs (VA), and Federal National Mortgage (Fannie Mae). Ability to organize and analyze financial information. PC knowledge including spreadsheet and word processing capabilities.

EDUCATION: A two-year college degree or completion of a specialized course of study at a business or trade school.

SPECIFIC SKILLS:  Knowledge of State and Federal regulations affecting mortgage loans.  Knowledge of mortgage loan policies, procedures, products and services. Knowledge of a width of information including but not limited to: the credit union’s current mortgage loan interest rates, commitment/rate lock/relock fee procedures, consumer loan products/rates/guidelines that are used in conjunction with Mortgage Lending and FICS software systems.  Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act and the Office of Foreign Assets Control.

GENERAL REQUIREMENTS:  A significant level of trust and diplomacy is required to be an effective subject matter expert in this position.  Must be able to conduct in-depth dialogues, conversations and explanations with customers, direct and indirect reports and outside vendors of a sensitive and/or highly confidential nature. Must be able to maintain licensing through the National Mortgage Licensing System throughout employment.

Navigator Credit Union offers a competitive salary and comprehensive benefit package.  Applicants should mail a resume to the Navigator Credit Union, Human Resources, ATTN:  Mortgage Loan Manager, PO Box 1647, Pascagoula, MS 39568 or email nness@navigatorcu.org

POSITION: Mortgage Loan Officer (Full-time)

DESCRIPTION OF DUTIES:  Conducts the loan interview and secures the member information necessary to initiate a loan transaction. Provides loan information and service to members, realtors, and others as needed. Receives and screens loan applications; requests applicant credit and mortgage status; banking and personal references; and notifies those applicants not qualified for further consideration. Prepares records and reports as requested regarding loan origination and closing activities as needed. Responds to inquiries from prospective members regarding all types of mortgage loans.  Provides requested information regarding the credit union’s lending policies and procedures.  Requests a personal employment and credit check of the applicant. Requests an appraisal on the property under consideration. Screens completed applicants; submits those applications qualified for approval; and provides the Mortgage Lending Manager with additional information as required.  Cross-sells products including consumer loan products, deposit account products, etc.  Maintains close relations with others in the banking community, home construction, and real estate to be knowledgeable about property values and to build a network of professionals.

EXPERIENCE:  Three to five years of similar or related experience, including time spent in preparatory positions. Experience with Federal Housing Authority (FHA), Veterans Affairs (VA), and Federal National Mortgage (Fannie Mae).

EDUCATION: High school diploma required.

SPECIFIC SKILLS:  Knowledge of State and Federal regulations affecting mortgage loans.  Knowledge of mortgage loan policies, procedures, products and services. Knowledge of a width of information including but not limited to: the credit union’s current mortgage loan interest rates, commitment/rate lock/relock fee procedures, consumer loan products/rates/guidelines that are used in conjunction with Mortgage Lending and FICS software systems.  Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act and the Office of Foreign Assets Control.

GENERAL REQUIREMENTS:  A significant level of trust and diplomacy is required to be an effective subject matter expert in this position.  Must be able to conduct in-depth dialogues, conversations and explanations with customers, direct and indirect reports and outside vendors of a sensitive and/or highly confidential nature. Must be able to maintain licensing through the National Mortgage Licensing System throughout employment.

Navigator Credit Union offers a competitive salary and comprehensive benefit package.  Applicants should mail a resume to the Navigator Credit Union, Human Resources, ATTN:  Mortgage Loan Officer, PO Box 1647, Pascagoula, MS 39568 or email nness@navigatorcu.org

Navigator Credit Union was named one of Mississippi’s Best Places to Work in 2014, 2015, 2016, 2017 and 2018. Mississippi Best Places to Work logo

 

Navigator Credit Union participates in E-Verify. The Credit Union will provide the Social Security Administration (SSA) and, if necessary, the Department of Homeland Security (DHS) with information from each new employee's Form I-9 to confirm work authorization. Learn more about E-Verify by clicking here.

We are an equal opportunity employment company. We are dedicated to a policy of nondiscriminatory employment on any basis including race, creed, color, religion, sex, age, national origin or disability unrelated to job performance. The Credit Union also takes affirmative action as required by law or statute to hire qualified veterans, veterans of Vietnam Era and disabled persons.

If you would like to submit an application along with your resume, click here to download a fillable PDF file.