Golden 1 Credit Union

At Golden 1 Credit Union, we’ve always embraced the philosophy of “people helping people,” from our humble beginning in California's state capital in 1933, to today, one of the nation’s largest credit unions with over 750,000 members and $9 billion in assets.

As a not-for-profit cooperative, we return our earnings to members - not stockholders - through higher returns on savings, lower interest rates on loans, and more free services. We help honest, hard-working families and individuals lead financially better lives.

Golden 1 has grown over the years to serve consumers throughout California with 80 branches and over 30,000 CO-OP ATMs nationwide. We provide convenient and value added products and services to help consumers make the most of their money.

As part of our “Stronger Together” approach, we strive to become an integral partner in the communities we serve. We invest in our future leaders by offering scholarships for higher education. We offer grants for organizations that advance literacy and assist foster youth to help elevate California's youngest and brightest.

We believe in doing right by people. It’s not just what we do, it’s who we are.

Nov 13, 2019
GENERAL DESCRIPTION: Receives, reviews, audits and disburses loan applications through the Credit Union Direct Lending program to maintain quality of program, ensure accuracy of loan information, and provide member and dealership satisfaction. TASKS, DUTIES, FUNCTIONS: 1. Receive and audit appropriate paperwork sent from the vehicle dealerships. Research and identify missing information and communicate discrepancies with dealership personnel. Perform verifications on application data to ensure accuracy prior to funding. 2. Ability to identify red flags in loan documentation in order to avoid potential fraud. 3. Determine whether loan warrants disbursal as per Golden 1 established guidelines. 4. Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws appropriate to the position. 5. Fund appropriate monies to dealerships with the appropriate administrative fee. 6. Assist department staff with gathering information and preparation of reports. 7. Communicate and interact with department management and staff to provide information on loan status. 8. Help in other areas within Lending as assigned. PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASKS: 1. Prolonged sitting throughout the workday performing the job. 2. Normal vision range required to read loan documents to determine status. 3. Effective oral and written communication skill required to interact with dealerships, staff and members to perform constructive follow-up. QUALIFICATIONS: 1. EDUCATION:   Successful completion of High School curriculum is required. 2. EXPERIENCE:   One year in a lending position performing contract review is desired. Appropriate related experience is acceptable. 3. KNOWLEDGE/SKILLS: Clerical skills, telephone skills, credit reporting equipment, electronic banking equipment, ten key, facsimile machine skills, and personal computer filing skills. Close attention to details. PHYSICAL REQUIREMENTS: 1. Prolonged sitting throughout the workday. 2. Corrected vision in the normal range. 3. Must possess sufficient manual dexterity to skillfully operate an on- line computer terminal and other standard office equipment, including a typewriter, if needed, calculator, personal computer, facsimile machine, and telephone.
Golden 1 Credit Union Sacramento, CA, USA Full time
Nov 13, 2019
GENERAL DESCRIPTION: Evaluate member activity using manual and automated processes for evidence of fraud. Detection, investigation, and proper resolution of fraudulent activity high risk debit and credit card transactions on member accounts with a sense of urgency in a fast paced environment, card products, ATMs and online services. Utilizes manual and automated reports to detect and verify suspicious transactions on credit, debit and ATM cards. Identifies, tracks and contacts members to verify suspicious credit and debit card activity. Reports verified fraud to both internal claims processing and vendors. Facilitates fraud reporting process, ensuring a positive member experience Investigates credit/debit fraud and dispute transactions on behalf of members; reviews and makes recommendations for action in pursuit of recovery. Responsible for process from preparation, processing and finalizing claim disposition. Every phase of the review process must be closely documented based on established guidelines and/or procedures. TASKS, DUTIES, FUNCTIONS: Responsible for the operation of and processes related to card fraud monitoring products. Creating and maintaining a positive and informative member experience when verifying or taking a report of fraud. Identify, investigate, and respond to and/or resolve all card fraud or dispute claims and matters. Research/review documents for submission of fraud and dispute claims. Establish oral and written communications with VISA, merchants, processors, law enforcement, and members, as necessary. Report/escalate any potential issues. Resolve member/branch issues and related service concerns and report/escalate any potential issues that may affect credit union assets or member satisfaction. This includes resolving Branch/Department/MSCC phone calls and emails in a timely manner. Provide relevant information from uncovered fraud accounts to other business units and investigating authorities. Collects, evaluates, and documents all evidence obtained during an investigation for recovery. Order retrievals and provide documentation required for charge backs as needed ensuring text is precise according to Visa rules. Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws appropriate to position. Comply with all established internal audit, security and credit union rules, regulations and departmental procedures. Maintain knowledge by keeping updated with credit card regulations or procedures through emails, publications, online resources, and procedure changes. Perform charge backs to assist in the recovery of fraudulent or disputed transactions based on appropriate fraud or dispute codes as outlined by VISA regulation. Maintain knowledge of Visa Dispute Resolution yearly revisions every April and October. Process reimbursements to member accounts as appropriate with notification based on Regulation Z and E as required. Update notes and information on all Claims systems; maintain call records and adjustment maintenance information. Perform additional duties as necessary to maintain daily operations. PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASKS: Effective oral and written communication skills. Must possess sufficient manual dexterity to skillfully operate an on-line computer terminal and other standard office equipment, such as financial calculators, personal computer, facsimile machine and telephone. ORGANIZATIONAL CONTACTS & RELATIONSHIPS: INTERNAL: Branch staff, Loan Services, Collections, Member Service, and Loss Prevention. EXTERNAL: Law enforcement, members, processors, vendors, merchants, peer credit card operators. QUALIFICATIONS: EDUCATION: Successful completion of High School curriculum. EXPERIENCE: Minimum one year's experience in a financial institution or credit/debit card experience. KNOWLEDGE/SKILLS: Ability to effectively communicate results to members, acquirer, and or merchants and meet mandatory time frames. Knowledge of Credit Union products, services, policies & procedures. Operating knowledge of Visa regulations and Federal/State Regulations specific to debit/credit cards. Good organizational skills, including the ability to prioritize daily activities and multi-task to complete assignments. High attention to detail in working and investigating files with emphasis on deadlines. Effective oral and written communication skills. Basic Excel skills Knowledge to operate facsimile machine, ten key, microfiche, electronic banking equipment; basic PC knowledge of Windows environment, and office filing logic. Must be self-motivated and capable of working both independently as well as in a team environment. PHYSICAL REQUIREMENTS: Prolonged sitting throughout the workday with occasional mobility required. Corrected vision within the normal range. Hearing within normal range. A device to enhance hearing will be provided if needed. Occasional movements throughout the department daily to interact with staff, accomplish tasks, etc. #LI-NM1IND-123#LI-POST#GD
Golden 1 Credit Union Sacramento, CA, USA Full time
Nov 13, 2019
The Member Solutions Manager will oversee inbound calls, outbound calls and online based productions teams who are responsible for providing our members with products and services as a solution to their financial needs. As the leader of multiple production teams, who interact with members across all market areas, an effective Member Solutions Manager will assure the clarity and strength of the Golden 1 brand by maintaining a thorough understanding of its various markets, demographics, socio-economic climates, as well as the evolving products and services Golden 1 is able to provide. An effective Member Solutions Manager has the ability to motivate production teams, develop supervisors, and create meaningful production strategies. This role is responsible for implementing tactics that drives and increases Golden 1 self-service products and services, while providing valuable feedback of the users experience to the appropriate business partners for ongoing enhancements to stay relevant and competitive in the financial services sector. This position will assist with planning, organizing, directing, and controlling all aspects of the Member Solutions team. The development of leadership and guidance of the supervisors who report up to this role are necessary to ensure success with achieving production and service goals and creating an engaged working environment. TASKS, DUTIES, FUNCTIONS: Foster a positive and engaging work environment for each team member by promoting skill development, coaching for improvement and growth, inspiring others through words and actions, ensuring positive employee morale throughout Golden 1, and embracing our mission, vision and core values. Assesses performance of all directs reports; rewards and recognizes strong performers and develops action plans to address performance issues. Tracks and monitors trends and challenges, identifying root causes and taking proactive steps to ensure success. Maintains strong working knowledge of employee's roles and responsibilities in order to serve as an effective leader, role model and coach. Assists team member in uncovering new review streams and opportunities for the Credit Union. Creates department level efficiencies and encourages team members to develop innovative production processes. Collaborates and fosters relationships with key business partners within the Credit Union to assist in the positive flow of production. Execute the Credit Union's overall strategy at a corporate level regarding brand awareness, market share growth and a consistent member experience. Effectively lead multiple productions teams to ensure a relationship building (member advocacy) approach paired with financial expertise is used to create value-added financial solutions to meet the needs of our members. Partner with Consumer/Mortgage Lending and Financial Services to ensure we are cross-serving our members to help them achieve their financial goals. Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws appropriate to the position. Develop and implement strategic production action plans that capitalize on opportunities, competitor's weakness, and support overall credit union member services, promotions and member satisfaction goals and expectations. Lead and coordinate service promotion activities, which include outbound calls, special service days, and outside marketing efforts, as needed and directed. Manage relationships between the Member Service Contact Center, Branches, and Mortgage Lending, Consumer Lending, Online Banking, and Financial Services partners to ensure cross-sells to meet shared company goals. Maintain a thorough knowledge of Golden 1 policies and procedures and current trends in the ecommerce environment. Serve as escalation point for challenges that affect the ecommerce teams. Provide back-up to Vice President as determined necessary. Ensure compliance with established security, internal audit, governmental regulations and policies and procedures for all ecommerce teams. Identify, analyze, develop, and recommend policy and procedure changes for implementation and for improved efficiencies. Support expense management and overall achievement of company goals. Perform other duties and projects as assigned. PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASKS: Effective oral and written communication skills required to discuss Golden 1 products and services with members and potential members, resolve member concerns and conflicts, and provide management reporting. Must possess sufficient manual dexterity to skillfully operate an on-line computer terminal and other standard office equipment, such as financial calculators, personal computer, facsimile machine and telephone. ORGANIZATIONAL CONTACTS & RELATIONSHIPS: INTERNAL:   All levels of management and staff. EXTERNAL:   Members, vendors, peers in financial institutions, community associations and credit unions. QUALIFICATIONS: EDUCATION:   Bachelor's Degree in related field or equivalent work experience. EXPERIENCE:   Minimum of five years of progressively responsible contact center sales and production management experience in a service, new member acquisition and ecommerce environment. KNOWLEDGE/SKILLS:   Leadership skills, strong presentation skills, knowledge of operational procedures, electronic banking equipment, personal computer, oral and written communication skills, knowledge and understanding of ecommerce delivery systems, and sound knowledge of instructional methods and practices as well as a strong knowledge of the credit union data processing system. PHYSICAL REQUIREMENTS: Prolonged sitting throughout the workday with occasional mobility required. Corrected vision within the normal range. Hearing within normal range. A device to enhance hearing will be provided if needed. Ability to lift 30 lbs. as may be required. Occasional movements throughout the department daily to interact with staff, accomplish tasks, etc. Required to be on call 24 hours a day, seven days a week, in order to ensure timely and appropriate resolution of any issue that may arise regarding resources under scope of responsibility Required to carry a company-supplied mobile device for trouble and emergency notification purposes
Golden 1 Credit Union Sacramento, CA, USA Full time
Nov 13, 2019
GENERAL DESCRIPTION: Communicates and interacts with members for the prompt resolution of delinquent and negative accounts to minimize The Golden 1 non-performing asset accounts. TASKS, DUTIES, FUNCTIONS: Place and receive a high volume of inbound and outbound calls in effort to negotiate re-payment plans for past due and negative accounts. Identify, investigate, and resolve delinquent and negative account activity. Accept incoming telephone inquiries for the resolution of delinquent accounts from branches, members, and other credit union staff. Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws appropriate to the position. Communicate and interact with the Golden 1 staff to gather information for resolution of delinquent accounts. Prepare and process all pertinent documentation necessary to resolve delinquent accounts. Review Credit Union records and transactions to resolve misapplied payments, researching account transactions to ensure that payments are properly credited. Evaluate payments (regular and irregular) being made on delinquent accounts and determine how the payment will be applied; i.e., principal, interest, escrow, and late charges, or possibly return payment if foreclosure proceedings have been initiated or payment is unacceptable. General knowledge of repossessions from assignment through insurance claims, if warranted, and disposal/deficiency. Other duties as assigned. Compliance with credit union policies, Fair Debt Collection Practices, and other applicable rules and regulations related to Collections. PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASKS: Effective oral and written communication skills required to interact with members and provide constructive follow-up on delinquent accounts. Must possess sufficient manual dexterity to skillfully operate an on-line computer terminal and other standard office equipment, such as financial calculators, personal computer, facsimile machine and telephone. ORGANIZATIONAL CONTACTS & RELATIONSHIPS: INTERNAL: Branch management, staff, Payroll Deduction, Electronic Services, Centralized Lending, Records Management, and Compliance and Risk Management. EXTERNAL: Members, law enforcement agencies, judicial departments, peer collectors, or groups that will result in resolution of delinquent accounts. QUALIFICATIONS: EDUCATION: Successful completion of High School curriculum is required. EXPERIENCE: Six months up to 1 year performing general collection duties in a collection environment. KNOWLEDGE/SKILLS: Strong oral and written communication skills, facsimile machine, ten key, microfiche, electronic banking equipment, Visa terminal, credit union and collection rules, regulations, and policies. PHYSICAL REQUIREMENTS: Prolonged sitting throughout the workday with occasional mobility required. Corrected vision within the normal range. Hearing within normal range. A device to enhance hearing will be provided if needed. Occasional movements throughout the department daily to interact with staff, accomplish #LI-NM1IND-123#LI-POST#GD
Golden 1 Credit Union Sacramento, CA, USA Full time
Nov 13, 2019
GENERAL DESCRIPTION: The Help Desk Coordinator is the initial point of contact for all Golden 1 end users and for all technical assistance and support related to computer systems, hardware, or software. This position responds to queries, runs diagnostic programs, isolates problems, determines and implements solutions. This position is also responsible for the administration of network and systems access for all end users and vendors ensuring compliance with credit union corporate policies. TASKS, DUTIES, FUNCTIONS: Provide support using remote diagnostics and access tools to internal and offsite employees. Answer phones and respond to tickets via the Helpdesk ticketing system and email. Provides resolution and completion of end-user issues and requests within service level agreements. Administration of employee and vendor accounts access within the Golden 1 network by provisioning and de-provisioning access, ensuring all applicable policies are complied with. Coordinates, supports, and assists with the implementation of desktop/mobile devices, network administrative access, and technical support in a courteous, timely, and effective manner. Coordinate and/or perform hands-on fixes at tier2 level, including installing and upgrading software, installing hardware, configuring systems and applications on PCs, laptops, and mobile devices. Coordinate and/or perform hands-on fixes at tier2 level for network connectivity issues in a WAN/LAN, WIFI and Teller Cash Dispensers in an Enterprise environment. Maintain tables, parameters, and setting within the VMS Host System for terminals, desktop computers, printers, and cash dispensers. Communicate all updates for proper maintenance of equipment to the appropriate staff. Keep management updated on outstanding issues that are not resolved in a timely manner in accordance with established escalation procedures. Develop, document and implement operating procedures and conducts training as required Develop and maintain a clear understanding of the business area needs and incorporating these needs into technical solutions by updating, developing and maintaining a thorough knowledge of credit union procedures, products, service, and data processing systems. Properly escalates when user and system related security standards are not adhered to Maintains a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws appropriate to the position. Performs other job-related duties as necessary.   PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASKS: Effective oral and written communication skills required with a focus on troubleshooting and error identification. Must possess sufficient manual dexterity to skillfully operate applicable computer hardware, a variety of hand tools and standard office equipment. ORGANIZATIONAL CONTACTS & RELATIONSHIPS: INTERNAL:All levels of staff and management EXTERNAL: Vendors QUALIFICATIONS: EDUCATION: Successful completion of High School curriculum and prerequisite completion Computer Technology classes. EXPERIENCE: Working knowledge of Microsoft Windows desktop operating system and MS Office. Working knowledge of system hardware to include, PC's, printers, iPhones, iPads, and laptops. Working knowledge with remote diagnostic tools like RDP, VNC, and MS Remote Assistant. Working knowledge of network and system troubleshooting. Demonstrates basic knowledge with systems security practices. 3. CERTIFICATIONS: CompTIA A+ or equivalent work experience PHYSICAL REQUIREMENTS: Prolonged sitting throughout the workday to accomplish tasks. Availability for emergency and on call duty 24 hours a day, 7 days a week, as needed. Occasional travel may be required. Lift and carry communications equipment and computer hardware weighing up to fifty pounds. Corrected vision in the normal range required to configure, test, and troubleshoot network server hardware and data. Hearing within normal range. Must possess sufficient manual dexterity to skillfully operate applicable computer hardware, a variety of hand tools and standard office equipment. May work additional work hours to accomplish tasks.
Golden 1 Credit Union Sacramento, CA, USA Full time
Nov 13, 2019
GENERAL DESCRIPTION: This Member Service Representative I is an energetic and goal-oriented individual who has a passion for service excellence. As a team member you are eager to build strong long-term relationships through the servicing of Golden 1 members in a professional, efficient, respectful manner providing a positive member experience. The MSR I responds accurately to member inquiries by telephone in English and Spanish languages (if certified). The ideal candidate will proactively engage members to achieve their financial goals in a consultative approach as part of the solution to their inquiry. TASKS, DUTIES, FUNCTIONS: Efficiently process service transaction(s) with minimal errors and mitigate potential losses to Credit Union and Member. Identify, investigate, and resolve basic member concerns, as well as process and complete member transactions in a timely and efficient manner. Identify and report fraudulent activity to prevent potential loss to Credit Union. Update member and Credit Union account information accurately. Achieve performance standards commensurate to grade level in call volume, phone efficiency in a fast-paced environment and quality. Appropriately identify solutions to address/resolve members inquiry helping members take advantage of Golden 1 service/products by providing features and benefits. Demonstrate a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws appropriate to the position. Monitor and comply with all established security, internal audit, and applicable government policies and regulations. Demonstrate current knowledge of all Golden 1 products and services as well as policies, procedures and systems for Member Service Representative I functions. Ensure compliance with Credit Union and Member Service Contact Center policies, procedures, and guidelines while establishing and servicing all Credit Union accounts, related products, and services. Complete Regulatory Training Modules as required. Model Golden 1 core values. Perform other duties as assigned. PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASKS: Effective oral and written communication skills required to ensure an exceptional member experience. Must possess sufficient manual dexterity to skillfully operate an on-line computer terminal and other standard office equipment, such as financial calculators, personal computer, and telephone. ORGANIZATIONAL CONTACTS & RELATIONSHIPS: INTERNAL : All levels of management and staff. EXTERNAL : Members, potential members, peers in other departments or branches. QUALIFICATIONS: EDUCATION:   Successful completion of High School curriculum or GED. Some college preferred, not required. EXPERIENCE:   One year customer service experience and/or six months financial services experience. Member relationship building experience preferred, not required. KNOWLEDGE/SKILLS: Strong oral and written communication skills acquired through experience in a Retail setting or through a financial background. Ability to converse, demonstrate sincere concern, and build rapport while reolving problems and offering solutions to inquiries in English and/or Spanish with callers. Must be able to multi-task and work independently. Meet performance standards commensurate to grade level in call volume, phone efficiency and Quality Assurance. Skill testing related to product knowledge (PKOR). Knowledge of intranet/internet. Bilingual skills a plus - English/Spanish. PHYSICAL REQUIREMENTS: Prolonged sitting throughout the workday with occasional mobility required. Corrected vision within the normal range. Hearing within normal range. A device to enhance hearing will be provided if needed. Must possess sufficient manual dexterity to skillfully operate an on-line computer terminal and other standard office equipment, including a financial calculator, personal computer, facsimile machine and telephone. Occasional movements throughout the department daily to interact with staff, accomplish
Golden 1 Credit Union Sacramento, CA, USA Full time
Nov 13, 2019
GENERAL DESCRIPTION: Communicates and interacts with members for the prompt resolution of delinquent and negative accounts to minimize The Golden 1 non-performing asset accounts. TASKS, DUTIES, FUNCTIONS: Place and receive a high volume of inbound and outbound calls in effort to negotiate re-payment plans for past due and negative accounts. Identify, investigate, and resolve delinquent and negative account activity. Accept incoming telephone inquiries for the resolution of delinquent accounts from branches, members, and other credit union staff. Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws appropriate to the position. Communicate and interact with the Golden 1 staff to gather information for resolution of delinquent accounts. Prepare and process all pertinent documentation necessary to resolve delinquent accounts. Review Credit Union records and transactions to resolve misapplied payments, researching account transactions to ensure that payments are properly credited. Evaluate payments (regular and irregular) being made on delinquent accounts and determine how the payment will be applied; i.e., principal, interest, escrow, and late charges, or possibly return payment if foreclosure proceedings have been initiated or payment is unacceptable. General knowledge of repossessions from assignment through insurance claims, if warranted, and disposal/deficiency. Other duties as assigned. Compliance with credit union policies, Fair Debt Collection Practices, and other applicable rules and regulations related to Collections. PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASKS: Effective oral and written communication skills required to interact with members and provide constructive follow-up on delinquent accounts. Must possess sufficient manual dexterity to skillfully operate an on-line computer terminal and other standard office equipment, such as financial calculators, personal computer, facsimile machine and telephone. ORGANIZATIONAL CONTACTS & RELATIONSHIPS: INTERNAL: Branch management, staff, Payroll Deduction, Electronic Services, Centralized Lending, Records Management, and Compliance and Risk Management. EXTERNAL: Members, law enforcement agencies, judicial departments, peer collectors, or groups that will result in resolution of delinquent accounts. QUALIFICATIONS: EDUCATION: Successful completion of High School curriculum is required. EXPERIENCE: Six months up to 1 year performing general collection duties in a collection environment. KNOWLEDGE/SKILLS: Strong oral and written communication skills, facsimile machine, ten key, microfiche, electronic banking equipment, Visa terminal, credit union and collection rules, regulations, and policies. PHYSICAL REQUIREMENTS: Prolonged sitting throughout the workday with occasional mobility required. Corrected vision within the normal range. Hearing within normal range. A device to enhance hearing will be provided if needed. Occasional movements throughout the department daily to interact with staff, accomplish #LI-NM1IND-123#LI-POST#GD
Golden 1 Credit Union Sacramento, CA, USA Full time
Nov 13, 2019
GENERAL DESCRIPTION: This Member Service Representative I is an energetic and goal-oriented individual who has a passion for service excellence. As a team member you are eager to build strong long-term relationships through the servicing of Golden 1 members in a professional, efficient, respectful manner providing a positive member experience. The MSR I responds accurately to member inquiries by telephone in English and Spanish languages (if certified). The ideal candidate will proactively engage members to achieve their financial goals in a consultative approach as part of the solution to their inquiry. TASKS, DUTIES, FUNCTIONS: Efficiently process service transaction(s) with minimal errors and mitigate potential losses to Credit Union and Member. Identify, investigate, and resolve basic member concerns, as well as process and complete member transactions in a timely and efficient manner. Identify and report fraudulent activity to prevent potential loss to Credit Union. Update member and Credit Union account information accurately. Achieve performance standards commensurate to grade level in call volume, phone efficiency in a fast-paced environment and quality. Appropriately identify solutions to address/resolve members inquiry helping members take advantage of Golden 1 service/products by providing features and benefits. Demonstrate a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws appropriate to the position. Monitor and comply with all established security, internal audit, and applicable government policies and regulations. Demonstrate current knowledge of all Golden 1 products and services as well as policies, procedures and systems for Member Service Representative I functions. Ensure compliance with Credit Union and Member Service Contact Center policies, procedures, and guidelines while establishing and servicing all Credit Union accounts, related products, and services. Complete Regulatory Training Modules as required. Model Golden 1 core values. Perform other duties as assigned. PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASKS: Effective oral and written communication skills required to ensure an exceptional member experience. Must possess sufficient manual dexterity to skillfully operate an on-line computer terminal and other standard office equipment, such as financial calculators, personal computer, and telephone. ORGANIZATIONAL CONTACTS & RELATIONSHIPS: INTERNAL : All levels of management and staff. EXTERNAL : Members, potential members, peers in other departments or branches. QUALIFICATIONS: EDUCATION:   Successful completion of High School curriculum or GED. Some college preferred, not required. EXPERIENCE:   One year customer service experience and/or six months financial services experience. Member relationship building experience preferred, not required. KNOWLEDGE/SKILLS: Strong oral and written communication skills acquired through experience in a Retail setting or through a financial background. Ability to converse, demonstrate sincere concern, and build rapport while reolving problems and offering solutions to inquiries in English and/or Spanish with callers. Must be able to multi-task and work independently. Meet performance standards commensurate to grade level in call volume, phone efficiency and Quality Assurance. Skill testing related to product knowledge (PKOR). Knowledge of intranet/internet. Bilingual skills a plus - English/Spanish. PHYSICAL REQUIREMENTS: Prolonged sitting throughout the workday with occasional mobility required. Corrected vision within the normal range. Hearing within normal range. A device to enhance hearing will be provided if needed. Must possess sufficient manual dexterity to skillfully operate an on-line computer terminal and other standard office equipment, including a financial calculator, personal computer, facsimile machine and telephone. Occasional movements throughout the department daily to interact with staff, accomplish tasks, etc.
Golden 1 Credit Union Sacramento, CA, USA Part time
Nov 13, 2019
GENERAL DESCRIPTION: Performs various finance and accounting functions for Golden 1 Credit Union, including but not limited to financial reporting, financial analyses and maintaining financial systems/models. Act as lead for employees in the Finance area. Employees in this area are cross-trained in several aspects of finance and accounting functions and will assist the Finance Management team in special projects. TASKS, DUTIES, FUNCTIONS: Develop and analyze data, supporting spreadsheets, charts, and reports to determine financial performance and profitability across markets, products, channels, and member demographics and enterprise-wide analytics. Develop and maintain financial performance-related expertise in assigned business areas to provide deep-dive analysis into metrics, trends and anomalies while providing insights to drive improvements. Coordinate the assessment of market, product, member, and channel performance to identify gaps and additional value areas to maximize performance. Compile data and prepare accounting/financial management reports for the Credit Union including, but not limited to, information for management reports related to the production of the Financial Plan and supporting budget, reports analyzing credit union position in relation to "peer" credit unions, reports analyzing data and profitability by channels and markets, reports analyzing the financial strength and stability of the credit union, analysis of the monthly financial statements and rate/volume variance reports for interest income and expense analysis, liquidity, investments as it relates to production of the Financial Plan, and ad hoc reporting. Lead and conduct the coordination, development, and maintenance of a multi-year ongoing Financial Plan, including strategic initiatives, human capital management, financial budget, and goal achievement. Maintain a thorough understanding of the general ledger accounts and financial statements, analyze, and communicate variances in support of the financial plan, profitability, and market and channel data. Analyze data and lead the research and development efforts undertaken to improve the Credit Union's products, services, and operations. Interface with various divisions to understand data and underlying operational processes. Gather and integrate data and contextual information to design rigorous analyses to support carefully crafted projections. Document approaches, assumptions, and findings. Prepare or create the more difficult or complex financial models, analyses, and spreadsheets that effectively present data and analytical findings as needed. Utilize advanced data analytics tools and techniques to build periodic trend analysis reports, presenting insights and findings that are relevant, actionable and visually appealing to management. Develop and provide written and verbal recommendations and alternative solutions based on the results of analyses, taking into consideration internal and external factors and the Credit Union's strategic goals and initiatives. Develop and maintain metrics, graphs, reports and any other means to measure and monitor Golden 1's financial position. This includes: querying, researching, analyzing, interpreting, and communicating qualitative and quantitative data associated with the credit union's financial strength and stability. Contribute to the development of tools and capabilities to create a truly "data-driven" culture. When engaged to do so, develop models around new programs and offerings, including revenue and cost impact of various alternatives. Work with various teams across the organization to develop benchmarking and recommendations. Collaborate with management and other areas of the Credit Union to define, analyze and study financial performance-related issues and data. This includes evaluating operational efficiency and effectiveness by researching and analyzing internal and/or external industry trends, markets and other operational benchmarks. Gathers, consolidates, prepares and validates data for analysis; prepares executive summaries and presents recommendations to management. Recommend enhancements to analytical modeling tools to further support strategic plans and initiatives. Increase productivity by developing automated applications, eliminating duplications and coordinating information requirements. Ensure data for all reports is accurate and reports are prepared in a timely and thorough manner. Update and maintain computerized finance/accounting models including, but not limited to profitability and budget models, analyze results through reports, graphs and other analytical tools, and make recommendations. Utilize various computer financial information systems including but not limited to current organization-wide and/or department specific software in the preparation of analyses, evaluation and reports. Contribute to and lead the creation of deliverables including preparing various and wide-ranging reports pertaining to corporate strategy. Manage implementation of various projects and validation for the Finance area Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws appropriate to the position. Provide leadership, guidance, and training to employees in the department. Monitor progress toward significant strategic goals and policies. Maintain a current procedure manual for position functions. Conduct special studies, reviews, analyses, and all other duties as assigned. PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASKS: Effective oral and written communication skills required to prepare reports and perform other related tasks. Must possess sufficient manual dexterity to skillfully operate an on-line computer terminal and other standard office equipment, such as financial calculators, personal computer, facsimile machine and telephone. Hand-eye coordination required to read, post, and handle complex computer programs and reports. ORGANIZATIONAL CONTACTS & RELATIONSHIPS: INTERNAL:   All levels of staff and management. EXTERNAL:   Vendors, external auditors and other financial institutions and other business sources. QUALIFICATIONS: EDUCATION:   Bachelor's Degree; preferably in Accounting, Finance, or Economics. EXPERIENCE:   Five years related accounting and/or financial analyst experience. KNOWLEDGE/SKILLS:   Strong personal computer skills (Microsoft Office, Adobe Acrobat), Strong knowledge of GAAP, financial analysis, budgeting, and credit union accounting policies and practices; strong research, quantitative and qualitative data collection and analysis; strong time management, organizational skills; ability to multi-task effectively; make sound decisions in the absence of detailed instructions and work on own initiative; ability to use logical reasoning when interpreting facts; ability to make objective observations, examinations, evaluations, and written recommendations; strong independent work methods; ten key; numerical skills; excellent verbal and written communication skills; excellent problem solving and interpretation skills. PHYSICAL REQUIREMENTS: Prolonged sitting throughout the workday with occasional mobility required. Corrected vision within the normal range. Hearing within normal range. A device to enhance hearing will be provided if needed. Ability to lift 15 lbs. as may be required .Occasional movements throughout the department daily to interact with staff, accomplish tasks, etc. Minimal travel to attend meetings by car and/or public conveyance for conferences or training session held at out-of-area locations or across the United States (1--2 times per year).
Golden 1 Credit Union Sacramento, CA, USA Full time