Careers

 

Careers 

Employment Opportunities

At FCFCU, a $400+million financial institution serving a membership base of more than 50,000 people, we are growing strong. We know that quality member service can only be provided by quality employees. As such, we are always seeking career-minded and team-oriented individuals to join the FCFCU team.

In addition to competitive salaries, FCFCU generously offers a wide range of benefits in addition to those mandated by law. Full-Time employees receive pay during the observed holidays. FCFCU observes 10 holidays each year. The following benefit programs, provided by FCFCU, are available to eligible employees:

  • Medical, Dental and Vision Insurance
  • Long-Term Disability
  • Group Life Accidental Death & Dismemberment
  • 401K Retirement Plan
  • Defined Benefit Pension Plan
  • Vacation Leave
  • Sick Leave
  • Bereavement Leave
  • Cafeteria - Section 125 Plan
  • Credit Union Membership
  • Employee Assistance Program

Disclaimer: The information provided herein regarding benefit eligibility is subject to change at the sole discretion of Fresno County Federal Credit Union with or without prior notice.


Current Opportunities:



 

Member Solutions Assistant (Full Time)
Non-Exempt
Full Range of Benefits

DESCRIPTION:

Perform necessary assignments in support of the collection of past due and written off accounts.

DUTIES AND RESPONSIBILITIES:

  • Assist credit union staff with collection questions and inquiries.
  • Research and analyze historical data on past due or written off accounts and accounts identified as high risk.
  • Contact members by telephone or letter to determine reason for delinquency and to educate member on proper payment process. Negotiate and establish repayment process within defined guidelines.
  • Process member credit card and check by phone payments through Calipay system.
  • Ascertain location of member through skip traces tools or other methods.
  • Maintain documentation in collection notes system on past due accounts and the collection process. Update XP system with new address and phone numbers as required.
  • Handling all CCC (Consumer Credit Counseling) payments received, noting the member’s account on internal collection software and follow up of missed payments.
  • Maintain Member Solutions reports, including FAC reports.
  • Assist Member Solutions Specialist in the preparation and submission to Loan Servicing of relief programs (UMAPS, Workouts, extensions, etc.) documentation.
  • Review and process lien sale notices to protect credit union collateral.
  • Contact members with Collateral Protection Insurance notices or billing to account to attempt to resolve the lack of insurance.
  • Process and distribute incoming department mail daily. Print and mail letters daily.
  • Order and monitor of field visits as requested and save results to collection system and field visit tracking file.
  • Assist with fraud investigations as needed.
  • May handle other issues such as bankruptcy, impounded vehicles, vehicle insurance claims, probate, judgments, and writs.
  • Exercise awareness in regards to suspicious activity, money laundering or fraudulent behavior as it relates to cash transactions and overall transaction activity and document any such behavior so SAR filings can be considered.
  • Ensure compliance with all safety, security and compliance programs including but not limited to BSA, AML, OFAC, Branch Security and Safety.
  • Perform all other related duties as assigned.
Supervisory Responsibilities:

This job has no supervisory responsibilities.

QUALIFICATIONS AND REQUIREMENTS:

  • High school diploma or general education degree (GED).
  • Minimum one-year experience and/or training in a financial institution and/or collections experience; or equivalent combination of education, experience or training.
  • Financial institution experience preferred.

 

Financial Service Officer II
Madera Branch
Non-Exempt
Full Range of Benefits

DESCRIPTION:

Under limited supervision provides counsel to new and existing members in regards to all credit union products, services, and investment opportunities and assists in the establishment of such.

DUTIES AND RESPONSIBILITIES:

  • Uncover and identify financial needs of members and prospects.
  • Make product and service recommendations to members based on profile and needs analysis with special emphasis on providing members with personal financial counseling and lending services.
  • Meet new account and loan origination goals as assigned by branch management.
  • Open all types of deposit accounts offered by the credit union.
  • Interview loan applicants, originate, review and underwrite loan applications and supporting documentation.
  • Position authority will usually include lending authority for credit grades A+, A, and B.
  • Evaluate loan applications and approve, decline, or counteroffer those that are within lending limits and in accordance with sound lending practices as set forth in policies, procedures, and guidelines.
  • Ability to communicate credit decisions to applicants and, if necessary, obtain additional loan information and documentation; prepare loans for approval and funding; sign loan documents and book loan to existing account.
  • Promote and open loan cross-service products and services including, but not limited to, Debt Protections, Mechanical Breakdown Insurance, GAP, Autoland and investment referrals based on members’ needs.
  • Manage member portfolios, service relationships, and identify cross-service opportunities with existing members.
  • Maintain ongoing relationship with members including follow-up calls and correspondence.
  • Develop and maintain relationships with business partners such as Mortgage Loan Officers, and Investment Services Representatives and Centralized Lending. Refer members to them when appropriate for additional services.
  • Maintain sufficient product/service knowledge to consistently practice “needs-based” selling to members.
  • Promote new programs and distribute literature to interested members.
  • Follow credit union policies and procedures regarding use of Qualifile and ChexSystems to minimize risk of financial loss to the credit union while establishing new accounts.
  • Provide prompt, quality member service.
  • Perform wide range of services including, but not limited to, account servicing/maintenance (account reconciliation, address change, stop payments, account closings, fraud claims, check ordering, temporary check issuance, ATM maintenance/issuance), and problem resolution.
  • May handle cash transactions; must balance cash drawer daily.
  • Provide support to branch management, financial service staff, and tellers as needed.
  • Supports branch management in Credit Union promotions and attaining branch goals.
  • Exercise awareness in regards to suspicious activity, money laundering or fraudulent behavior as it relates to cash transactions and overall transaction activity and document any such behavior so SAR filings can be considered.
  • Ensure compliance with all safety, security and compliance programs including but not limited to BSA, AML, OFAC, Branch Security and Safety.
  • Perform all other related duties as assigned.
QUALIFICATIONS AND REQUIREMENTS:
  • High school diploma or general education degree (GED); two-year college degree preferred.
  • One year lending experience and/or training; or equivalent combination of education, experience or training.
  • Financial institution experience preferred.

 

Collections Supervisor (Member Solutions)
Non-Exempt
Full Range of Benefits

DESCRIPTION:
Responsible for the day to day operation, supervision, and coordination of the member solutions staff, as well as the overall collection effort.

DUTIES AND RESPONSIBILITIES:

  • Initiate effective telephone contact on delinquent accounts in Specialist workgroups. Determine reason for delinquency and educate member on proper payment process. Negotiate and establish repayment process within defined guidelines.
  • Maintain documentation in collection system notes on the collection process. Update XP system with new addresses, home, cell and work phone numbers and e-mail addresses as required.
  • In a timely manner order the extract/collect and analyze and maintain data regarding potential loss situations. This data will include, but is not limited to ordering credit bureaus, field visits, skip tracing data from various sources, property owner reports from approved databases, or other resources as required, or as directed.
  • Analyze each situation to determine the most appropriate product, service and /or course of action necessary to resolve the delinquency that is in the best interests of the credit union. Gather information from members to submit for the help programs available.
  • Prepare and recommend or review consumer loan workouts, UMAP, rewrites (existing loans or deficiency balances), modifications and or other approved acceptable methods of member assistance. Recommend accounts for our Consumer credit counseling service. Refer to the Executive Vice President Lending or his designated authority for review/approval as required.
  • Attend bankruptcy and small claims hearings related to the preservation of the loans or property securing our loans. Represent the credit union at creditor’s meetings in bankruptcy, including examination of members in these hearings.
  • Ensure delinquency notices are process daily by BDI and follow-up program is maintained.
  • Compile and maintain reports including but not limited to the Potential Loss, NCUA Bankruptcy and Foreclosure Abatement Committee reports.
  • Keep current with regulatory guidelines to ensure compliance with all standards set by applicable Federal and State agencies.
  • Identify and prepare accounts for charge off monthly and assignment to Recovery Specialist for collection, and as required approval of assignment of accounts to third parties for further collection action.
  • Research and help to resolve member complaints outside scope of Specialists and Assistants authority. Insure prompt and professional member service by staff.
  • Capable of performing duties of Member Solutions Specialists and Member Solutions Assistants as required.
  • Assume the responsibility of Member Solutions Manager, as assigned.
  • Exercise awareness in regards to suspicious activity, money laundering or fraudulent behavior as it relates to cash transactions and overall transaction activity and document any such behavior so SAR filings can be considered.
  • Ensure compliance with all safety, security and compliance programs including but not limited to BSA, AML, OFAC, Branch Security and Safety.
  • Perform other duties as assigned.
Supervisory Responsibilities:
Directly supervises 4-12 employees in the Member Solutions Department. Manages and carries out supervisory responsibilities in accordance with the Credit Union’s policies, procedures and applicable laws and regulations. Responsibilities include interviewing, hiring, and training employees; planning, assigning, directing and evaluating work; conducting performance appraisals; rewarding and disciplining employees; addressing complaints and resolving problems. Shares responsibility for excellence in member service through staffing, training, coaching, and leading by example.


QUALIFICATIONS AND REQUIREMENTS:

  • Associate’s degree (A.A.) or equivalent from two-year College or technical school.
  • Minimum 2 years collection experience or equivalent combination of education, experience and training.
  • Knowledge of the legal aspects of collections, bankruptcies, repossessions, and foreclosures required.
  • Experience in financial institution preferred.
  • Supervisory experience preferred.
  • Knowledge of the fundamentals of lending preferred.
  • Valid California drivers’ license.

 

Member Solutions Specialist (Consumer Collector)
Non-Exempt
Full Range of Benefits

DESCRIPTION:
Responsible for the collection of all delinquent consumer loans.

DUTIES AND RESPONSIBILITIES:
 

  • Assist credit union staff with collection questions and inquiries.
  • Initiate telephone contact on all assigned past due accounts.
  • Responsible for removing limits and suspending ATM cards, debit cards, Visa Cards, and lines of credit per collection policy or as directed by management. Placing and removing the appropriate warnings and flags on member accounts.
  • Analyze each situation and assist member to determine appropriate product, service, or course of action to resolve delinquency while protecting the interests of the credit union.
  • Maintain documentation in collection notes system on past due accounts and the collection process. Update XP system with new address and phone numbers as required.
  • Monitor all past due loans to assure receipt of payment.
  • Monitor assigned loans achieving and maintaining a minimum monthly average accounts collected per month as established by manager to achieve acceptable delinquency goals.
  • Responsible for following up on promises not kept by members daily.
  • Processing member credit card and check by phone payments through Calipay system.
  • Submit vehicle repossession recommendations to management for review and approval.
  • Submit final delinquent account resolution recommendations to management.
  • Reconcile member disputes such as payroll problems, misapplied payment, and finance/late fees as required.
  • Recommend workout loans, extension agreements, or third party action, modification or rewrite to management for review and approval.
  • Initiate skip tracing techniques to locate members for recovery of security or other collection actions.
  • Exercise awareness in regards to suspicious activity, money laundering or fraudulent behavior as it relates to cash transactions and overall transaction activity and document any such behavior so SAR filings can be considered.
  • Ensure compliance with all safety, security and compliance programs including but not limited to BSA, AML, OFAC, Branch Security and Safety.
  • Perform all other related duties as assigned.

QUALIFICATIONS AND REQUIREMENTS:
 

  • High school diploma or general education degree (GED).
  • Minimum two years collection experience; or equivalent combination of education, experience or training.
  • Financial institution experience preferred.

Loan Servicing Specialist
Non-Exempt
Full Range of Benefits

DESCRIPTION:
Responsible for servicing consumer and equity loan applications.

DUTIES AND RESPONSIBILITIES:
 

  • Enters loan application via phone request and reviews loan for accuracy before sending to underwriting.
  • Processes and/or verifies Change in Loan Terms, such as, payment extensions, loan modifications, payment method changes, workout agreements/UMAPs and re-ages.
  • Assists in research and investigation of problems with loans and applications and make corrections as required.
  • Processes loan transfer requests.
  • Responsible for the holiday Skip-A-Pay tracking and processing.
  • Responsible for reporting all VISA applications to credit processor.
  • Processes weekly and/or monthly reports such as, $10.00 Delinquent Report, CCSTMT2, Paid Ahead and Shared Secured Reports.
  • Processes monthly charge offs approved by the Board.
  • Reviews and/or updates all credit disputes. This includes disputes through E-Oscar and from member(s).
  • Processes consumer loan modification and rewrite requests.
  • Explains, promotes, or sells products or services such as all loan and deposit products, credit life and disability insurance, mechanical breakdown insurance, GAP insurance, and other credit union products or services meeting members’ needs.
  • Assists as needed in processing incoming paperwork and filing.
  • Exercises awareness in regards to suspicious activity, money laundering or fraudulent behavior as it relates to cash transactions and overall transaction activity and document any such behavior so SAR filings can be considered.
  • Ensures compliance with all safety, security and compliance programs including but not limited to BSA, AML, OFAC, Branch Security and Safety.
  • Performs all other related duties as assigned.

QUALIFICATIONS AND REQUIREMENTS:
 

  • High school diploma or general education degree (GED); 2-year degree preferred.
  • Minimum one-year lending or financial institution experience and/or training; or equivalent combination of education, experience or training.
  • Processing experience preferred.

 

Consumer Loan Manager
Exempt
Full Range of Benefits

 

DESCRIPTION:
Plans, directs, organizes and control the activities and staff involved in administering the loan program.

DUTIES AND RESPONSIBILITIES:

  • Provides for the review of loan applications for conformance to established loan policies, completeness of documentation, accurate preparation, and quality of underwriting.
  • Oversees Indirect Lending Program.
  • Develops recommendations regarding loan products, pricing, policies and guidelines for review by senior management.
  • Reviews loan performance and delinquency rates and recommends remedial actions.
  • Reviews loan quality control reports and takes steps to mitigate risk and/or improve loan quality.
  • Implements controls to ensure effective loan operations.
  • Develops, coordinates, and implements procedures necessary to achieve a high member satisfaction scores.
  • Responsible for achieving departmental annual loan production goals through lending staff.
  • Exercise awareness in regards to suspicious activity, money laundering or fraudulent behavior as it relates to cash transactions and overall transaction activity and document any such behavior so SAR filings can be considered.
  • Ensure compliance with all safety, security and compliance programs including but not limited to BSA, AML, OFAC, Branch Security and Safety.

Perform all other related duties as assigned.

Supervisory Responsibilities:

Directly supervises 13-20 employees in the Lending Department. Manages and carries out supervisory responsibilities in accordance with the Credit Union’s policies, procedures and applicable laws and regulations. Responsibilities include interviewing, hiring, and training employees; planning, assigning, directing and evaluating work; conducting performance appraisals; rewarding and disciplining employees; addressing complaints and resolving problems. Shares responsibility for excellence in member service through staffing, training, coaching, and leading by example.

QUALIFICATIONS AND REQUIREMENTS:

  • Bachelor’s degree (B.A.) from four-year college or university; or four to five years’ related experience and/or training; or equivalent combination of education, experience and training.
  • Must have at least three years management experience.
  • Requires superior working knowledge of Regulations B, E and Z, Fair Lending, Fair Credit Reporting, Consumer Protection laws, Bankruptcy laws, Right to Financial Privacy Act, and any other regulations or laws pertinent to consumer lending.
  • Experience in financial institution preferred.

 

Teller I
(Part-Time)
No Benefits

 

DESCRIPTION:
Under limited supervision provides a wide variety of assigned teller tasks associated with the processing of member transactions such as deposits, withdrawals, loan payments, posting of transactions, money orders, cashiers' checks, Credit Union checks, and travelers checks either in-branch or mail.

DUTIES AND RESPONSIBILITIES:

  • Receives checks and cash for deposit, verifies amount, and examines checks for proper endorsements.
  • Verifies authenticity of all negotiable items. 
  • Accepts cash and checks for credit to appropriate member loan. 
  • Cashes checks and pays out cash after verification of signatures and member balances. 
  • Enters members' transactions into computer to record transactions and issues computer generated receipts. 
  • Maintains all forms for transactions when necessary. 
  • Receives, processes, sorts, and distributes all incoming and outgoing courier and U. S. mail, if required. 
  • Maintains all mail-related logs and records. 
  • Places hold on accounts for uncollected funds as required. 
  • Obtains and verifies cash from Teller Cash Dispatch (TCD) unit, vault teller, or vault as needed. 
  • Balances currency, coin, and checks in cash drawer at end of shift and compares totaled amounts with data displayed on computer screen; stores cash drawer. 
  • Explains, promotes, or sells products or services such as travelers’ checks, money orders, Credit Union checks, and other credit union products or services meeting members’ needs.  
  • Accepts updated member information as needed or as requested by members. 
  • Handles member research by determining the member’s need, completing research forms and forwarding to the proper department. 
  • Assist member with safe deposit boxes, if required. 
  • Assists with support functions including answering phones, filing, mailroom duties, and other miscellaneous projects. 
  • Exercise awareness in regards to suspicious activity, money laundering or fraudulent behavior as it relates to cash transactions and overall transaction activity and document any such behavior so SAR filings can be considered. 
     Ensure compliance with all safety, security and compliance programs including but not limited to BSA, AML, OFAC, Branch Security and Safety. 

Perform all other related duties as assigned.   

QUALIFICATIONS AND REQUIREMENTS:

  • High school diploma or general education degree (GED)
  • Three months' cash handling experience and/or training in a customer service environment; or equivalent combination of education, experience or training.
  • Financial institution experience preferred.  

  

How to Apply:
Please send resume and cover letter to:
Fresno County Federal Credit Union
Human Resources
P. O. Box 8027
Fresno, CA 93747

Or email us

Applications may be obtained at any of our locations

 

 

Equal Housing Lender NCUA