Careers

Teller

Full Time

Location: San Fernando

Salary Range: $20.00 - $24.00 hourly depending on experience, skills, and education

Under general supervision and in accordance with established policies and procedures, the Teller will deliver high quality member service providing accurate information and have thorough knowledge of policies, procedures and guidelines concerning areas of job responsibilities. Cross sell additional products and services to our members and potential members and meet or exceed sales and service standards. Prioritizes outstanding customer service.

Education and/or Experience:

• High School Diploma or Equivalent.
• One year financial institution experience and/or cash handling, and/or  sales.
• Or equivalent combination of education and experience.

Essential Duties and Responsibilities:

• Greet and assist members and guests in a courteous and professional manner.
• Provides routine information concerning the credit union products and services.

• Actively markets current and new products and services of the credit union; attempts to educate members on the benefits and features of new, as well as existing, products and services.
• Accurately process members’ daily account transactions including: withdrawals, deposits, loan payments, account transfers, cashier’s check purchases, card advances, card issuance and re-pinning.
• Maintain and balance a cash drawer and other negotiable instruments daily.
• Adequately perform all operational functions including but not limited to file maintenance, filing, photocopying
• Adequately perform all servicing functions including but not limited to mail, drop box, ATM servicing, inputting, and following up on loan applications and processing outgoing wires.
• Recognize/listen to member requests and/or concerns and identify their needs.
• Assist other departments as necessary.
• Complete required training including regulatory training such as, but not limited to, BSA, OFAC and GLB Privacy. Duties may vary or be reassigned from time to time by Branch Management

• Assist members with credit applications
• Actively refer members to CU partners
• Make recommendations to supervisor on policy and procedure changes.
• Examines work for exactness, neatness, and conformance to policies and procedures.
• Assist staff with work-related matters. Act upon questions and assist in solving problems within scope of responsibility.
• Assist members with all facets of alternative depositing, new account capabilities, lending, including discussing loan options or alternative products, cross sell GAP, MBI and Debt protection.
• Assist members with investigation and reconcilement of account problems.

• Performs all duties in accordance with the company’s policies and procedures and all state and federal laws and regulations including, but not limited to, Privacy of Consumer Information and Bank Secrecy Act

• Duties may vary or be reassigned.

Mortgage Lending Manager

Full Time

Location: Burbank

Salary Range: $90k - $145k annually depending on experience, skills, and education

The Mortgage Lending Manager is responsible for the prudent management of the Gain Federal Credit Union real estate loan pipeline, originations, underwriting, sales, contract processing and member relations. Continuously evaluating and responding to changes in regulatory, market and competitive economic conditions. Plans, organizes, and directs daily activities and workflow, e.g., business development, appraisal, organization, closing, post-closing, loan pricing within established company guidelines and secondary market activities. Within granted authority, and in accordance with sound underwriting practices as set out in the companies standard operating policies and procedures, and FNMA and FHLMC procedures, examines, evaluates, and authorizes approval within prescribed limits of borrower’s applications for credit secured by real property. Responsible for organizing, planning, and managing staff and projects. Trains and motivates staff to meet or exceed the company goals.

Education and/or Experience:

• Associate degree or equivalent from two-year College or technical school preferred but not required.
• Five years related experience or training in real estate lending, or equivalent combination of education and experience with a minimum of three years managerial experience.

Essential Duties and Responsibilities:

• Manages and directs the Gain Federal Credit Union real estate department and associated personnel.
• Responsible for Business Development activities including visiting local Real Estate Brokers and Sales Agents, Chamber meetings, Board of Realtor meetings, home buying/selling seminars, and any other activities that may enhance the level of business to the company.
• Understands and can effectively apply real estate lending policies to all real estate lending situations.
• Must have a thorough working knowledge of all mortgage lending processes to include the areas of underwriting, credit loan analysis, property appraisal, title work, disbursement, pricing, secondary market sales and accounting entries for conventional mortgage loans and equity loans.
• Coordinates and monitors all staffing and workload to provide optimal service in the most cost-efficient manner.
• Counsels members and other personnel regarding mortgages, including cash flow and products available to meet members’ needs.
• Analyzes applicant financial status, credit, and property evaluation to determine feasibility of granting loan and submits loan to the secondary market for purchase as required.
• Responsible for annual HMDA reporting.
• Coach and train Real Estate Loan Processors and Underwriters to analyze potential lending opportunities involved in each lending situation to further assist the borrower as well as increase the company’s business.
• Manages a sales environment ensuring staff cross-sell other Gain Federal Credit Union benefits to non-members
• Ensure all Mortgage loans are properly documented, approved and funded in accordance with company and investor (e.g., FNMA and FHLMC) policies and procedures.
• Must have a very good working knowledge of FNMA guidelines and the selling process.
• Monitors and provides loan service by accepting and acting on loan applications from members. Maintain loan documents in compliance with policy and federal and state regulation.
• Maintain Loan Procedures Manuals, including updates and revisions.
• Oversee interest adjustments and underwriting and closing loans.
• Ensure all notifications and documents are sent in a timely manner (i.e., RESPA’s within 72 hours, denial notices, etc).
• Solve mortgage concerns regarding amortization, surveys, titles, etc. by working with vendors, attorneys, and staff.
• Make recommendations for real estate lending procedural changes.
• Performs such other duties and functions as might be required for the efficient and effective operation of the department, or as might be assigned from time to time by management.

Our Hiring Process:

• If you are interested in applying for any of the opportunities posted, send your cover letter & resume via:
  • Email - hire@tqcteam.com
• If your experience matches the requirements of the position, we may contact you for an initial conversation and /or interview.
• If selected for an in-person meeting, you will be asked to complete our employment application and possibly, job-appropriate testing at our corporate office in Burbank.
• If selected for the position, you must complete a thorough pre-employment background check.
  • NMLS Verification for all Mortgage/Consumer Loan Originators
• If selected for the position, an offer of employment will be extended contingent upon successful completion of a background check.

PLEASE NOTE: Due to the high volume of applications we receive on a daily basis, we are unable to provide individual status updates by phone or email.

Nothing in our job advertisements restricts the right of Gain Federal Credit Union to assign or reassign duties and responsibilities to our positions at any time.

Gain Federal Credit Union is an Equal Opportunity Employer. 

Gain Federal Credit Union is an equal opportunity employer that does not discriminate in employment opportunities or practices on the basis of race, religion, color, sex, sexual orientation, gender identity, national origin, protected veteran or disability status, or any other status protected by law.

GFCU complies with the City of Los Angeles's "Ban-the-Box" ordinance (aka The Fair Chance Initiative for Hiring).