Hudson Valley Credit Union is currently recruiting for the position of Supervisor Home Equity Underwriting. Responsibilities: supervise the daily operations and staff related to the underwriting of home equity loans and lines of credit. Coordinate the workflow for assigned personnel, monitor goals to ensure excellent member service is provided and reviews processes and procedures for continuous improvement. Responsible for promoting excellence in underwriting standards and ensuring adherence to Credit Union policies, department procedures and internal guidelines.

• Interview, hire, and develop home equity underwriting staff and conduct individual performance reviews. Build employee engagement through consistent communication, coaching and reinforcement of organizational values and modeling of critical behaviors.
• Set clear expectations to monitor and coach staff contributions to Real Estate Lending department goals. Conduct regular one on one meetings with home equity underwriting staff.
• Respond to internal and external customers regarding complaints, problem resolution, home equity underwriting guideline clarification and procedural issues.
• Monitor home equity loan queues and ensure adequate
• Initiate and implement process improvement to enhance employee and member experience and increase department efficiencies.
• Participate in developing/enhancing home equity products and procedures.
• Collaborate with post-closing QC auditor and provide timely responses on errors monthly and communicate results to staff.
• Monitor underwriters’ approved loan dispositions to ensure adherence to Credit Union issued loan approval authority. Approve loans within Credit Union loan approval Conduct second review of declined home equity applications.
• Lead weekly underwriting meetings to ensure underwriting review consistency and discuss any issues or concerns.
• Perform loan origination system (LOS) update functions for home equity product guidelines, rate changes, document updates and other loan parameter changes. Coordinate testing of updates in LOS prior to production implementation.
• Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained knowledge. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional duties and special projects as assigned.
• Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism.
  
• Responsible for regular and predictable attendance including punctuality.
  

• Associate’s Degree or at least 2 years equivalent experience for each undergraduate year not completed; undergraduate degree cannot substitute for minimum number of years of experience required.
• Registration with the National Mortgage Licensing System and Registry (NMLS) required.
• Minimum 2 Years consumer and/or residential mortgage underwriting experience preferred.
• Minimum 1 Year supervisory leadership or similar work experience required.

Click here to view full job description

Why choose HVCU?

HVCU cares for our employees, members, and community. We actively seek to create an inclusive workforce by hiring people with diverse perspectives and experiences. We celebrate and embrace what makes each of us different and foster an environment where everyone feels that they belong. In commitment to our diversity, equity, and inclusion mission, we encourage members of historically underrepresented communities to apply, including those who identify as women, minorities, veterans, disabled and LGBTQ+.

Employee Perks:

• HVCU University & Academy; Professional Development Training
• Student Loan Repayment & Tuition Reimbursement Programs
• Medical, Dental, and Vision coverage (coverage starting as low as $20 per month)
• 401(k) with employer match and non-elective employer contribution
• Paid time off (PTO), holidays, and community volunteer time
• Life, Short-Term, and Long-Term Disability Insurance
• Discounted Loan Rates & Fees 

Hudson Valley Credit Union is an AA/EEO employer committed to equal opportunity and employee diversity. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, sexual orientation, gender identity, the status of being transgender, national origin, disability, military or veteran status, genetic information, marital or familial status, domestic violence victim status, or any other characteristic protected by law.

• Associate’s Degree or at least 2 years equivalent experience for each undergraduate year not completed; undergraduate degree cannot substitute for minimum number of years of experience required.
• Registration with the National Mortgage Licensing System and Registry (NMLS) required.
• Minimum 2 Years consumer and/or residential mortgage underwriting experience preferred.
• Minimum 1 Year supervisory leadership or similar work experience required.

Click here to view full job description

Why choose HVCU?

HVCU cares for our employees, members, and community. We actively seek to create an inclusive workforce by hiring people with diverse perspectives and experiences. We celebrate and embrace what makes each of us different and foster an environment where everyone feels that they belong. In commitment to our diversity, equity, and inclusion mission, we encourage members of historically underrepresented communities to apply, including those who identify as women, minorities, veterans, disabled and LGBTQ+.

Employee Perks:

• HVCU University & Academy; Professional Development Training
• Student Loan Repayment & Tuition Reimbursement Programs
• Medical, Dental, and Vision coverage (coverage starting as low as $20 per month)
• 401(k) with employer match and non-elective employer contribution
• Paid time off (PTO), holidays, and community volunteer time
• Life, Short-Term, and Long-Term Disability Insurance
• Discounted Loan Rates & Fees 

Hudson Valley Credit Union is an AA/EEO employer committed to equal opportunity and employee diversity. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, sexual orientation, gender identity, the status of being transgender, national origin, disability, military or veteran status, genetic information, marital or familial status, domestic violence victim status, or any other characteristic protected by law.

• Interview, hire, and develop home equity underwriting staff and conduct individual performance reviews. Build employee engagement through consistent communication, coaching and reinforcement of organizational values and modeling of critical behaviors.
• Set clear expectations to monitor and coach staff contributions to Real Estate Lending department goals. Conduct regular one on one meetings with home equity underwriting staff.
• Respond to internal and external customers regarding complaints, problem resolution, home equity underwriting guideline clarification and procedural issues.
• Monitor home equity loan queues and ensure adequate
• Initiate and implement process improvement to enhance employee and member experience and increase department efficiencies.
• Participate in developing/enhancing home equity products and procedures.
• Collaborate with post-closing QC auditor and provide timely responses on errors monthly and communicate results to staff.
• Monitor underwriters’ approved loan dispositions to ensure adherence to Credit Union issued loan approval authority. Approve loans within Credit Union loan approval Conduct second review of declined home equity applications.
• Lead weekly underwriting meetings to ensure underwriting review consistency and discuss any issues or concerns.
• Perform loan origination system (LOS) update functions for home equity product guidelines, rate changes, document updates and other loan parameter changes. Coordinate testing of updates in LOS prior to production implementation.
• Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained knowledge. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional duties and special projects as assigned.
• Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism.
  
• Responsible for regular and predictable attendance including punctuality.
  

Hudson Valley Credit Union is currently recruiting for the position of Manager Commercial Loan Review. Primary Function: directly oversee the commercial loan operations annual review function, to include assigning annual loan reviews, sign off on completed annual loan reviews and risk rating changes as well as overseeing tracking reports for annual loan reviews. Work in conjunction with the Commercial Portfolio Manager and other members of the Commercial Loan Originations team to ensure receipt of required financial information for loan reviews and compliance with loan covenants, to include preliminary discussions with legal counsel if default letters are required. Directly oversee commercial credit analysts who are dedicated to completing annual reviews, line renewals, balloon extensions and loan modifications. Directly oversee the training of new/less seasoned commercial credit analysts. Assist with internal and external audits and exams.

• Lead the commercial operations underwriting loan review function and all back-office aspects of the annual review process. To include assigning loan reviews and tracking annual review progress. Review completed annual reviews to ensure that they are comprehensive, complete, focused and reflect the appropriate risk rating. Approve any risk rating changes relating to the annual review. Ensure compliance with loan covenants and if loan covenants are not met, prepare waiver letters or work with legal counsel to prepare and issue default letters, as needed. Oversee completion of annual review reporting for internal and external use, including Board reporting.
• Manage the underwriting functions for commercial line of credit renewals, ballooning mortgages and modifications. To include assigning files for underwriting, reviewing credit presentations, ensuring appropriate approval authority is obtained and that credits requiring Loan Committee approval are circulated in a timely manner.
• Directly oversee the commercial credit analysts assigned to complete annual reviews, line renewals, balloon extensions and loan modifications. To include interviewing, hiring, training, performance monitoring, employee reviews and development plans. Ensure the team possesses a high level of individual accountability for delivering results within attainable deadlines.  Closely monitor workflow and adjust as needed, while maintaining the integrity of the credit process and credit analysis. Track and report on commercial analyst productivity.
• Provide onboarding and directly oversee the training for new commercial credit analysts/less seasoned commercial credit analysts.
• In conjunction with the Commercial Portfolio Manager, prepare for and attend the monthly Watch List meetings, and provide updates as needed. Ensure completion of annual reviews for Watch List loans.
• Maintain the quality control process of the assigned credit analysts to ensure that all credit presentations are accurate and in compliance with DFS and NCUA regulations as well a Credit Union policy and procedure.
• Provide data needed for Credit Union, state, federal and third-party audits. Be a point person for DFS and NCUA exams, as needed. Act upon any audit or exam finding to improve processes and communicate these changes with staff and management.
• Work with the Manager of Commercial Credit to achieve department goals and serve as each other’s backup, when required. Use lending authority to approve or decline loan requests, as needed.
• Achieve goals assigned to the Commercial Loan Review Manager as part of the departments’ annual operating plan. To include initiating and implementing process improvements to enhance member experience and increase department
• Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained knowledge. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional duties and special projects as assigned.
  
• Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism.
  
• Responsible for regular and predictable attendance including punctuality.
  

• Bachelor's degree in accounting, finance, business or a related field required
• Minimum 5 Years in Direct commercial loan underwriting experience and advanced credit skills in Commercial Real Estate transactions as well as Commercial & Industrial loans required
• Minimum 2 Years supervisory or leadership experience preferred

Click here to view full job description

Why choose HVCU?

HVCU cares for our employees, members, and community. We actively seek to create an inclusive workforce by hiring people with diverse perspectives and experiences. We celebrate and embrace what makes each of us different and foster an environment where everyone feels that they belong. In commitment to our diversity, equity, and inclusion mission, we encourage members of historically underrepresented communities to apply, including those who identify as women, minorities, veterans, disabled and LGBTQ+.

Employee Perks:

• HVCU University & Academy; Professional Development Training
• Student Loan Repayment & Tuition Reimbursement Programs
• Medical, Dental, and Vision coverage (coverage starting as low as $20 per month)
• 401(k) with employer match and non-elective employer contribution
• Paid time off (PTO), holidays, and community volunteer time
• Life, Short-Term, and Long-Term Disability Insurance
• Discounted Loan Rates & Fees 

Hudson Valley Credit Union is an AA/EEO employer committed to equal opportunity and employee diversity. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, sexual orientation, gender identity, the status of being transgender, national origin, disability, military or veteran status, genetic information, marital or familial status, domestic violence victim status, or any other characteristic protected by law.

• Bachelor's degree in accounting, finance, business or a related field required
• Minimum 5 Years in Direct commercial loan underwriting experience and advanced credit skills in Commercial Real Estate transactions as well as Commercial & Industrial loans required
• Minimum 2 Years supervisory or leadership experience preferred

Click here to view full job description

Why choose HVCU?

HVCU cares for our employees, members, and community. We actively seek to create an inclusive workforce by hiring people with diverse perspectives and experiences. We celebrate and embrace what makes each of us different and foster an environment where everyone feels that they belong. In commitment to our diversity, equity, and inclusion mission, we encourage members of historically underrepresented communities to apply, including those who identify as women, minorities, veterans, disabled and LGBTQ+.

Employee Perks:

• HVCU University & Academy; Professional Development Training
• Student Loan Repayment & Tuition Reimbursement Programs
• Medical, Dental, and Vision coverage (coverage starting as low as $20 per month)
• 401(k) with employer match and non-elective employer contribution
• Paid time off (PTO), holidays, and community volunteer time
• Life, Short-Term, and Long-Term Disability Insurance
• Discounted Loan Rates & Fees 

Hudson Valley Credit Union is an AA/EEO employer committed to equal opportunity and employee diversity. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, sexual orientation, gender identity, the status of being transgender, national origin, disability, military or veteran status, genetic information, marital or familial status, domestic violence victim status, or any other characteristic protected by law.

• Lead the commercial operations underwriting loan review function and all back-office aspects of the annual review process. To include assigning loan reviews and tracking annual review progress. Review completed annual reviews to ensure that they are comprehensive, complete, focused and reflect the appropriate risk rating. Approve any risk rating changes relating to the annual review. Ensure compliance with loan covenants and if loan covenants are not met, prepare waiver letters or work with legal counsel to prepare and issue default letters, as needed. Oversee completion of annual review reporting for internal and external use, including Board reporting.
• Manage the underwriting functions for commercial line of credit renewals, ballooning mortgages and modifications. To include assigning files for underwriting, reviewing credit presentations, ensuring appropriate approval authority is obtained and that credits requiring Loan Committee approval are circulated in a timely manner.
• Directly oversee the commercial credit analysts assigned to complete annual reviews, line renewals, balloon extensions and loan modifications. To include interviewing, hiring, training, performance monitoring, employee reviews and development plans. Ensure the team possesses a high level of individual accountability for delivering results within attainable deadlines.  Closely monitor workflow and adjust as needed, while maintaining the integrity of the credit process and credit analysis. Track and report on commercial analyst productivity.
• Provide onboarding and directly oversee the training for new commercial credit analysts/less seasoned commercial credit analysts.
• In conjunction with the Commercial Portfolio Manager, prepare for and attend the monthly Watch List meetings, and provide updates as needed. Ensure completion of annual reviews for Watch List loans.
• Maintain the quality control process of the assigned credit analysts to ensure that all credit presentations are accurate and in compliance with DFS and NCUA regulations as well a Credit Union policy and procedure.
• Provide data needed for Credit Union, state, federal and third-party audits. Be a point person for DFS and NCUA exams, as needed. Act upon any audit or exam finding to improve processes and communicate these changes with staff and management.
• Work with the Manager of Commercial Credit to achieve department goals and serve as each other’s backup, when required. Use lending authority to approve or decline loan requests, as needed.
• Achieve goals assigned to the Commercial Loan Review Manager as part of the departments’ annual operating plan. To include initiating and implementing process improvements to enhance member experience and increase department
• Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained knowledge. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional duties and special projects as assigned.
  
• Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism.
  
• Responsible for regular and predictable attendance including punctuality.
  

Hudson Valley Credit Union is currently recruiting for the position of Float Supervisor Branch Operations. Primary Function: Engage and develop the Float Universal Associates to provide high quality member service through efficient transaction processing and successful implementation of HVCU Sales and Service Model. Responsible for traveling to fill branch leadership needs across all locations. Provide supervisory and leadership coverage to assist in the growth of the credit union and meet organizational goals.

• Regularly travel and provide supervisory and leadership coverage for all HVCU branch locations, in the absence of branch leadership.

• Assume responsibility for the staff and daily operations of assigned branches (both standard and universal models) including cash/teller operations, ATM, Teller Infinity, branch proof, compliance, and security.

• Interview, hire, coach, and develop Float Universal Associates to ensure high-quality service to members through successful implementation of HVCU Sales and Service Model to promote the Credit Union’s full line of products and services.

• Create, implement, and monitor employee performance plans. Monitor sales/cascading goals and results and conduct regular milestone meetings. Identify trends and make recommendations to ensure team goals are achieved.

• Create work schedules and assignments for Float Universal Associates that minimize member wait times and maximize employee availability. Ensure the branch traffic is managed effectively to seamlessly transition members to the appropriate area of the branch for service.

• Create an environment of accountability. Set clear expectations, goals and objectives to drive results and provide consistent coaching and development to branch staff.

• Ensure staff is well educated on marketing programs and promotions, self-service options, product knowledge and sales techniques. Schedule and oversee employee training and ensures employees complete regular refresher training.

• Look for opportunities to enhance revenue, reduce expenses, create efficient processes and improve operations. Submit annual budget recommendations to the AVP Branch Operations.

• Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained knowledge. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional duties and special projects as assigned.
  
• Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism.
  
• Responsible for regular and predictable attendance including punctuality.
  

• High School Diploma, General Education Development (GED) certificate, or state authorized high school equivalent certificate
• NYS Notary Public licence following 12 months achievement of independence on the job required
• Valid Drivers License is required.
• Minimum 2 Years Sales and customer service experience in a financial institution or retail environment
• Minimum 1 Year Supervisory or leadership experience in a financial institution or retail environment preferred

Click here to view full job description

Why choose HVCU?

HVCU cares for our employees, members, and community. We actively seek to create an inclusive workforce by hiring people with diverse perspectives and experiences. We celebrate and embrace what makes each of us different and foster an environment where everyone feels that they belong. In commitment to our diversity, equity, and inclusion mission, we encourage members of historically underrepresented communities to apply, including those who identify as women, minorities, veterans, disabled and LGBTQ+.

Employee Perks:

• HVCU University & Academy; Professional Development Training
• Student Loan Repayment & Tuition Reimbursement Programs
• Medical, Dental, and Vision coverage (coverage starting as low as $20 per month)
• 401(k) with employer match and non-elective employer contribution
• Paid time off (PTO), holidays, and community volunteer time
• Life, Short-Term, and Long-Term Disability Insurance
• Discounted Loan Rates & Fees 

Hudson Valley Credit Union is an AA/EEO employer committed to equal opportunity and employee diversity. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, sexual orientation, gender identity, the status of being transgender, national origin, disability, military or veteran status, genetic information, marital or familial status, domestic violence victim status, or any other characteristic protected by law.

• High School Diploma, General Education Development (GED) certificate, or state authorized high school equivalent certificate
• NYS Notary Public licence following 12 months achievement of independence on the job required
• Valid Drivers License is required.
• Minimum 2 Years Sales and customer service experience in a financial institution or retail environment
• Minimum 1 Year Supervisory or leadership experience in a financial institution or retail environment preferred

Click here to view full job description

Why choose HVCU?

HVCU cares for our employees, members, and community. We actively seek to create an inclusive workforce by hiring people with diverse perspectives and experiences. We celebrate and embrace what makes each of us different and foster an environment where everyone feels that they belong. In commitment to our diversity, equity, and inclusion mission, we encourage members of historically underrepresented communities to apply, including those who identify as women, minorities, veterans, disabled and LGBTQ+.

Employee Perks:

• HVCU University & Academy; Professional Development Training
• Student Loan Repayment & Tuition Reimbursement Programs
• Medical, Dental, and Vision coverage (coverage starting as low as $20 per month)
• 401(k) with employer match and non-elective employer contribution
• Paid time off (PTO), holidays, and community volunteer time
• Life, Short-Term, and Long-Term Disability Insurance
• Discounted Loan Rates & Fees 

Hudson Valley Credit Union is an AA/EEO employer committed to equal opportunity and employee diversity. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, sexual orientation, gender identity, the status of being transgender, national origin, disability, military or veteran status, genetic information, marital or familial status, domestic violence victim status, or any other characteristic protected by law.

• Regularly travel and provide supervisory and leadership coverage for all HVCU branch locations, in the absence of branch leadership.

• Assume responsibility for the staff and daily operations of assigned branches (both standard and universal models) including cash/teller operations, ATM, Teller Infinity, branch proof, compliance, and security.

• Interview, hire, coach, and develop Float Universal Associates to ensure high-quality service to members through successful implementation of HVCU Sales and Service Model to promote the Credit Union’s full line of products and services.

• Create, implement, and monitor employee performance plans. Monitor sales/cascading goals and results and conduct regular milestone meetings. Identify trends and make recommendations to ensure team goals are achieved.

• Create work schedules and assignments for Float Universal Associates that minimize member wait times and maximize employee availability. Ensure the branch traffic is managed effectively to seamlessly transition members to the appropriate area of the branch for service.

• Create an environment of accountability. Set clear expectations, goals and objectives to drive results and provide consistent coaching and development to branch staff.

• Ensure staff is well educated on marketing programs and promotions, self-service options, product knowledge and sales techniques. Schedule and oversee employee training and ensures employees complete regular refresher training.

• Look for opportunities to enhance revenue, reduce expenses, create efficient processes and improve operations. Submit annual budget recommendations to the AVP Branch Operations.

• Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained knowledge. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional duties and special projects as assigned.
  
• Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism.
  
• Responsible for regular and predictable attendance including punctuality.