POSITION: Business Development Manager (Full-Time)

DESCRIPTION OF DUTIES:  Promote the Credit Union by leading the business development effort with a strategic focus on solidifying partnerships with businesses in surrounding communities, building strong business relationships and identifying opportunities for growth across our market. Responsible for developing and maintaining a strategy to grow loans, deposits, products and membership based on the Credit Union’s strategic objectives. Responsible for developing new relationships with employers and their key decision makers to form partnerships that will generate new members, consumer loans and deposit business through our “Business Partner” program.  Actively seek referrals from individuals and other business partners.  Maintain strong relationships with existing business partners.  Proactively assist with requests and complaints from business partners and their employees.  Identify opportunities to cross-sell products and services offered by the Credit Union.  Work with and support the endeavors of Marketing, Member Services, Indirect Lending and others within the Credit Union.  Maintain a climate of mutual respect at all times.  Develop staff by providing information, education and experiential growth opportunities.  Recommend and assist in the development of promotional strategies and materials needed to meet business development goals. Conduct employee training sessions to enhance their understanding of the Business Development/Business Partner role ad improving their own level of skills in supporting this program.

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

EDUCATION:  A college degree in a Marketing or business related field of study is preferred.

SPECIFIC SKILLS:  Excellent communication and presentation skills.  A natural sales ability and engaging conversationalist.  Ability to train and relate to others.  A high achiever with the desire to provide exceptional service standards at all times.  The ability to think creatively and respond quickly to objections. Proficient in PowerPoint, Excel and Word.  An understanding of financial services and products. Extensive knowledge of Business Development programs a plus. 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:  Business Development Manager, PO Box 1647, Pascagoula, MS 39568 or email nness@navigatorcu.org

POSITION: Loan Underwriter (Full-time)

DESCRIPTION OF DUTIES: Evaluate applicant’s ability and willingness to repay debt; Determine collateral needs and payment plans for members applying for loans; Handle all types of Consumer Loans offered by NCU from application through dispersal while fielding questions from all possible applicants through email, face to face, telephone or Indirect Dealerships;   Approve or deny loan applications and explain reasons for denial or any exceptions; Implement new loan products and services in accordance with Management direction; Keep up to date with all State and Federal regulations as well as NCU policies and procedures; Effectively cross-sell to members; Perform other duties as assigned.

EXPERIENCE:   Two to three years similar or related experience recommended.

EDUCATION:  Two-year Associate or Bachelor college degree preferred.

SPECIFIC SKILLS:  Must have working knowledge of PC’s; Must be able to operate general office equipment; Must have knowledge or interviewing skills and techniques; Must have the capability to comprehend intermediate mathematical concepts such as calculation involving decimals, percentages and fractions.  Must be organized and have attention to detail.

GENERAL REQUIREMENTS: Must possess knowledge of the credit union movement and NCU policies and procedures; Must have knowledge of the NCU Loan Policy, credit granting criteria, interest rates and how they are computed; Must have basic knowledge of Truth in Lending Regulations, as well as ECOA Regulation B and Fair Credit Reporting Act; Must have knowledge of open and closed ended credit plans; Must be able to evaluate credit reports, calculate debt ratios, and loan to value ratios; Must have knowledge of required documentation for each type of loan; Must maintain professional, interpersonal skills to communicate information courteously and effectively to co-workers, members and indirect dealers.

Navigator Credit Union offers a competitive salary and comprehensive benefit package.  Applicants should mail a resume to the Navigator Credit Union, Human Resources, ATTN:  Loan Underwriter, 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.