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Assistant Branch Manager

NIH Federal Credit Union, with more than $550 million in assets, is currently seeking a highly-motivated individual for an Assistant Branch Manager position. High school diploma or equivalent (GED). Minimum one-year Supervisory experience in a financial/branch environment with previous teller or customer service experience.  Minimum one-year experience in lending function involving loan processing and origination. Ability to function in a financial institution environment and utilize standard office equipment including but not limited to PC, fax, copier, telephone, etc. Proficient with Microsoft Word/Windows. Attention to detail and accuracy.  Excellent communication, analytical, and interpersonal skills required.

This position is responsible for: under general supervision but in following established policies and procedures performs a broad range of supervisory duties in the MSR and Teller Departments; responds in person and/or by telephone. This responsibility shall include providing Quality Member Service in a full service branch.  Perform duties of a Loan Processor. Must possess excellent interpersonal communication skills and the ability to represent the credit union in a courteous, professional manner. May function as a Branch Manager, Branch Supervisor, MSR and Teller as needed.

The duties pertain to:

Supervisory/Assistant Management:

  • Assist the Branch Manager in leading the Team in achieving NIHFCU’s goals, objectives, and individual employee responsibilities as it relates to overall performance in Sales, Service, Operational Processes and Controls, etc. This includes but is not limited to training, coaching and helping the Employee to understand their job responsibilities and expectations.
  • Supervise and assists in supporting activities of branch employees ensuring prompt accurate service levels to include professionalism, product knowledge and member satisfaction.
  • Take reasonable risks in decision-making authority.
  • Serve as needed in the capacity of a Branch Manager with the ability to demonstrate quality member service in a high pace branch environment to include interactions with Members and peers.
  • Possess effective verbal and written communication skills; effectively prepare Member correspondence through accessing appropriate systems.
  • Responsible for providing prompt and accurate information to members regarding credit union products and services, policies, and procedures.
  • Research information and analyze problems effectively. Determines viable options to solve Member issues and choose the best course of action.
  • Resolves product or service problems by clarifying the member’s concern/complaint; determining the cause of the problem; selecting and explaining the best solution to solve the problem; expediting correction or adjustment; following up to ensure resolution.
  • Investigate, resolve, and respond to member inquiries in writing or by phone. The resolution of these issues may include waiving fees and/or service charges.

Sales, Service and Referrals:

  • Meet established Sales, Referral Goals, and other initiatives as assigned.
  • Knowledgeable in promoting, cross-selling and referring Credit Union products and services with the ability to explain benefits and features.
  • Makes "outside" sales and member service calls on present and prospective members within the branch's market area.
  • Assist the Branch Manager in leading the Team in achieving their assigned Sales, Service, Referral, Member Satisfaction and other goals/initiatives as assigned.
  • As Assigned, Attend/set-up and run marketing event tables at onsite events such as Employee Orientations, Benefits Fairs, etc.

Loans:

  • Within Loan Authority limits, qualifies, approvals, denies or counter-offers loans within NIHFCU guidelines; refer loan applications outside of established limits for approval; is able to justify decision to both management and the member.
  • Interview loan applicants, gather and input required information for credit application, explain loan options, rates, and collateral requirements and disburse loans upon approval. Inform Members of loan decision; discuss loan alternatives.
  • Knowledge and ability to explain general lending policies and practices with the use of lending software.
  • Ensure that all loan documents are completed before approving or processing the loan request.

Branch Operations:

  • Provides for the proper security, maintenance, and cleanliness of the office; supervises the opening and closing of the branch and vault; makes necessary provisions for the securing and accounting of negotiable items.
  • Maintains records and prepares required monthly reports.
  • Assist the Branch Manager in the daily operation of the branch to include but not limited to Vault, ATM, CDM/TCD responsibilities, Auditing, Balancing, etc. and following appropriate policies and procedures as required by NIHFCU, state, and federal regulatory agencies.
  • Conduct Branch Administration Audits as assigned and/or required.
  • Assist the Branch Manager in ensuring branch retail branding and merchandising is up-to-date and per specifications.


Salary to commensurate with experience.  Full-time position/direct hire.  Exceptional benefit package to include:  Medical, dental, vision, flexible spending allowance, 401(k), and tuition reimbursement.  Please apply through our website at: 
https://www.nihfcu.org/careers/how-to-apply.aspx.  EEOC/ADA.


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Part-Time Teller

Immediate opening for 1 Part-Time Teller! Prefer candidates with 2 years retail or large cash-handling experience.  Seeking highly dependable, professional candidates that are willing to fill in as on-call basis which is needed throughout all branches in DC and MD.  The purpose of the positions is to enhance branch coverage.  Exceptional cross-selling and sales experience with the ability to make referrals a plus.  Knowledge of Credit Union retail-banking principles and practices a plus.  Strong analytical skills and paying attention to detail a must.  High school diploma or equivalent with minimum 12-months Teller or retail-cash handling experience. Excellent verbal communication skills. Able to work extended hours on Fridays and Saturdays.  EEOC/ADA.

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Residential Loan Officer

NIH Federal Credit Union with more than $550 million in assets is currently seeking a highly-qualified and energetic individual for a Residential Loan Officer position. The well-qualified candidate will preferably hold a college degree; have three (3) years Residential Mortgage Lending experience and demonstrate an understanding of mortgage processing, underwriting and closing procedures with knowledge of conventional & agency lending guidelines.

This full-time position is responsible for proactively solicits new residential mortgage business and sells NIHFCU mortgage products to meet established loan quality and production goals. The RLO responds to customer inquiries and referrals that are generated primarily from NIHFCU business channels and also from their personal referral network as the NIHFCU field of membership permits. The RLO conducts interviews with prospective borrowers in order to analyze financial and credit data, determines customer financing objectives, advises customers of product/pricing policies and guidelines, and gathers any additional required information. The RLO ensures exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements, demonstrating a commitment to professional ethics, complying with all Federal and State compliance policies and adhering to HMDA requirements.

MAJOR DUTIES AND RESPONSIBILITIES

  • Attempt to contact all assigned leads within 24 hours.
  • Contacting all assigned loan application (complete and incomplete) within established timeframes.
  • Meets with members as necessary during various stages of the loan process.
  • Utilizes NIHFCU training materials, reference tools and other resources to provide accurate and up-to-date loan program/policy information.
  • Follow required workflow procedures and provide complete loan packages (signed disclosures, documentation, etc) to the Residential Lending Operations team.
  • Ensures exceptional customer experience by being primary borrower contact from origination through close and providing on-going communication to customers/members, business partners and Real Estate Agents.
  • Develops and maintains successful relationships with business referral sources as well as existing and prospective NIHFCU members.
  • Prospect new mortgage lending opportunities.
  • Loan Application Process:
     o Meet with prospective borrowers.
     o Review / Analyze credit and financial data.
     o Determine borrower financing objectives and goals.
     o Generate and send proper loan disclosures to borrowers as necessary according to required workflow.
     o Present appropriate NIHFCU products and programs and explain guidelines.
     o Apprise of pricing and lock rate as required.
     o Identify appropriate opportunities to sell additional products.
     o Collect required supporting loan documentation in timely fashion per workflow guidelines and provide complete packages to Loan Processor.
     o Submit Loan exception requests to Sales Manager as soon as they are identified.
  • Loan Management:
     o Act as primary contact to provide on-going communication and loan status updates between customer, Real Estate Agents and support staff.
  • Professional Development:
     o Maintain current and thorough knowledge of all lending programs, policies, procedures and regulatory requirements.
     o Perform job functions in accordance with NIHFCU policies and procedures.
  • The ability to be bonded.

Competence with systems such as: Microsoft Office, Excel, PowerPoint and Outlook. Willing to work in a Team environment.

Salary to commensurate with experience. Full-time position with benefits

Please apply through our website at:  https://www.nihfcu.org/careers/how-to-apply.aspx.  EEOC/ADAAA.

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SVP, Chief Operating Officer - Full-Time in Rockville, MD

NIH Federal Credit Union with more than $550 million in assets is currently seeking a highly-qualified and energetic individual for a SVP, Chief Operating Officer Position. A bachelor’s degree in a related field is required, MBA or advanced degree strongly preferred.  A minimum of ten (10) years’ experience leading and managing technology, branches, financial services, sales, marketing and electronic delivery operations preferably in an financial institution. Experience with Fiserv Spectrum considered a plus.

The SVP, Chief Operating Officer directs all Information Technology and Retail Delivery (i.e. Branch Administration, Marketing & Business Development, and Remote Services) effectively directing inside & outside sales, service, e-commerce, and community outreach efforts.  Initiates, develops and maintains Information Technology plans that meet the needs and goals of the Credit Union. Maintains existing enterprise systems including core, network and information security while providing direction in all technology-related issues in support of information operations and core company initiatives. Ensures that qualified and competent individuals are maintained in leadership positions within these areas. Create strategies that drive sales and service performance in a manner consistent with the Credit Union’s core values. This individual will remain active in the community to promote Credit Union awareness and identify opportunities for loan, deposit and partnership growth. In collaboration with the President/CEO and senior management, the candidate will build the strategic plan for information technology, retail sales & service, branch administration, marketing and overall business development to achieve the Credit Union’s overall growth objectives. These include but are not limited to membership, loans, deposits, and overall utilization of Credit Union services.

MAJOR DUTIES AND RESPONSIBILITIES

• Consistently maintains a professional, respectful, proactive and courteous approach when interacting with member/owners, Board of Directors, Supervisory Committee members, Executive Leadership and peers, 3rd party vendors and internal contacts to maintain quality service.
• Participate as a member of the Executive Leadership Team in governance processes of the organization’s architecture, telecommunications, networks, programming, media, and desktops.
• Lead strategic technological planning to achieve business goals by prioritizing technology initiatives and coordinating the evaluation, deployment, and management of current and future technologies.
• Collaborate with the appropriate departments to develop and maintain a technology plan that supports organizational needs.
• Develop and communicate business/technology alignment plans to executive team, staff, strategic partners, and members.
• Direct development and execution of an enterprise-wide disaster recovery and business continuity plan.
• Assess and communicate risks associated with technology-related investments and purchases.
• Develop business case justifications and cost/benefit analyses for technology spending and initiatives.
• Define requirements for new technology implementations and communicate them to the Senior Leadership Team, internal users, and the Board of Directors.
• Review hardware and software acquisition and maintenance contracts and pursue master agreements to capitalize on economies of scale.
• Define, document and communicate corporate procedures, policies, and standards for the organization for acquiring, implementing, and operating new network systems, equipment, software, and other technologies.
• Approve, prioritize, and control projects and the project portfolio as they relate to the selection, acquisition, development, and installation of major information systems.
• Conduct research to remain up-to-date and knowledgeable in regards to industry trends and emerging technologies in anticipation of new business processes and system alterations.
• Analyze and improve upon technology standards across the organization to maintain a technological and competitive edge within the market.
• Act as primary liaison for the company’s technology vision via regular written and in-person communications with the organization’s executives, department heads, and end users.
• Creatively and independently provide resolution to technical problems in a cost-effective manner.
• Develop, track, and control the technical services annual operating and capital budgets for purchasing, staffing, and operations.
• Ensure continuous delivery of technical services through oversight of service level agreements with end users and monitoring of systems, programs, and equipment performance.
• Ensure equipment and software operation adheres to applicable laws and regulations.
• Govern IT infrastructure management with IT expertise in Networking, ESX/SAN/VMware, HelpDesk support, PBX & Mobile device, Ancillary system for Backing system, IT security and Customer Relationship Management (CRM).
• Ensure that policy, operating procedures or standards are defined, documented and communicated in writing. Employees are to acknowledge understanding of the procedures in writing.
• Actively build and reinforce a sales and service culture environment. Manage results by analysis, planning, organizing, budgeting, monitoring/controlling, problem solving, decision making and managing change. Deliver reports in a timely and accurate manner.
• Provide expertise to areas of responsibility in strategic planning, staffing, training, development, sales, and operational efficiency.
• Recommend new both products and services and stay informed important industry trends.
• Maximize the profitability of the online channels and electronic member experience.
• Provide strategic leadership and direction on branch locations, ATM placement and ATM networks.
• Collaborative work style with ability to effectively interact with partners across organizational boundaries and hierarchies.
• Develop staff by using coaching techniques to maintain the consistency and quality of system knowledge and use. Recommends training and education where appropriate to further develop skills or career paths.  Provides feedback to enhance or in some cases correct the skill sets of staff.
• Supervise performance, development, retention, discipline and organization of direct and non-direct technical staff in accordance with corporate budgetary objectives and personnel policies.
• Participate in the recruiting process by specifying position requirements, interviewing and recommending candidates for employment to the HR department.
• Ensure that all human resources decisions adhere to established policies, procedures and programs.  Submits all required human resources documents in a timely manner, including performance appraisals, requests for leave, etc.
• Set specific, measurable, action oriented, realistic and time bound (SMART) goals with subordinates.  Monitors progress and evaluate performance toward established goals and provide timely and direct feedback to the individual.
• Make recommendations regarding performance improvements, specific project assignments and establish department goals.
• Exercise authority with respect to promotions, transfers, performance appraisals, salary increases and disciplinary actions.
• Informs the Senior Leadership Team of the conditions and operations of the Credit Union and all influencing factors.  Attends all meetings of the Board of Directors unless excused otherwise. Recommend and maintain policies and procedures regarding their area of oversight to Board Committees.
• Attends and presents at quarterly IT and Retail Delivery Department meetings.
• Attends monthly Leadership Meeting and disseminates information as needed in a timely manner.
• Provides timely feedback to appropriate parties to facilitate accurate decision making. Demonstrates effective face to face communications, telephone interaction, and written communications. Responds in a clear, concise manner, using appropriate mode of communication.
• Works directly with IT and Retail Delivery personnel to ensure the consistency and quality of member/owner service throughout the Credit Union.
• Represents the Credit Union in the community in a positive, professional image in order to increase and maintain membership base.
• Performs any other duties as assigned.
• The ability to be bonded.

           

Salary to commensurate with experience. Full-time position/direct hire. Exceptional benefit package to include:  Medical, dental, vision, flexible spending allowance, 401(k), and tuition reimbursement.  Please apply through our website at:  https://www.nihfcu.org/careers/how-to-apply.aspx

                     

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NIHFCU is an Equal Opportunity Employer.