Pacific Service Credit Union Jobs

Working for Pacific Service Credit Union We put people first. That includes our members, our employees and the communities we serve. We hire energetic and enthusiastic people who want to work as part of our team. What's in it for you? Health insurance coverage: We provide our employees with 100% premium employer-paid medical, dental, vision, disability and basic life insurance for full-time employees and a low monthly premium for eligible dependents. 401k: We contribute 3% of your base salary to your 401k account regardless of whether you contribute or not. In addition, we match 75% of your contributions up to the first 3% of eligible compensation beginning after your first day of employment and up to 6% after three years of service. Employees are vested at 100% for all employer contributions beginning the first day of employment. Bonus program: All employees are rewarded for attaining our annual organizational goals. Tuition Reimbursement program for employees eligible after six months of service. Recognition program where employees can be nominated by management, their peers or by members. Employee referral bonus. Student Loan Repayment Assistance: Contributions toward your student loans every month by the credit union after six months of service. Employees are eligible to receive a consumer loan rate discount. Vacation and sick time: Full-time employees receive more than two weeks' vacation per year, 11 paid holidays and 10 days of sick leave. Our Hiring Process We believe it's important for you to know where you stand in our hiring process. Below is an outline of the steps we take to make the best hires possible. Apply: Submit your resume for one of our job openings. Our Talent Team and our partner - Total Quality Consulting (TQC Team) will review your submitted information and will call or email successful applicants for an interview as soon as possible. In-Person Interview: After a screening call with TQC, we'll invite a final number of candidates to our office for an in-person interview or set up a live Zoom meeting with the hiring manager(s). If we believe that you have what it takes, we'll make an offer and provide next steps in the hiring process! Pre-employment requirements include an employment application, standardized testing, including aptitude or skill-set test, a credit screen, a drug screen and a criminal background check. ABOUT THIS ROLE: The Member Service Representative I creates a superior member service experience by ensuring that members receive friendly, accurate, and timely assistance with their transaction requests over-the-counter or by phone. The individual will comply with all federal and state laws, as well as organizational policies, procedures, and processes, including, but not limited to, those related to the Bank Secrecy Act (BSA), Identity Theft Red Flags, and Office of Foreign Assets Control (OFAC). ESSENTIAL JOB FUNCTIONS: In this role you will: Provide credit union services to members, including posting of withdrawals, deposits, transfers and loan payments, and the processing of other account transactions. Perform daily reconciliation and balancing of an individual cash drawer. Perform various account file maintenance, including ordering replacement ATM/debit cards, and processing requests for change of address etc. Perform basic IRA transactions using the appropriate forms, process deposits and withdrawals, and answer basic IRA questions. Prepare outgoing wire transfers, including completing the wire transfer checklist and performing security verification, as appropriate. Perform a variety of miscellaneous tasks, including balancing the ATM, Coinstar postings, retrieving and posting night drop deposits, filing, and answering the telephone. Perform reconciliation and balancing of the Vault and Cash Recycler. Respond to requests for information relative to products and services provided by the credit union. Recommend and cross sell credit union products and services to members in accordance with established goals. Provide service and correspond with members via our Branchline-messaging delivery channel, if needed. Provide security assistance and technical troubleshooting assistance of remote delivery products, including BranchLine, ExpressLine, Mobile Banking, and Bill Pay. Complete Currency Transaction Reports in accordance with the requirements outlined in the Credit Union's current Bank Secrecy Act (BSA) Policy. Perform required Office of Foreign Assets Control (OFAC) screens as outlined in the Credit Union's current BSA Policy and report any positive matches to the BSA Officer. Monitor and communicate potential suspicious activity/transactions to the Credit Union's BSA Officer and/or Fraud Analyst utilizing the Credit Union's Suspicious Activity Investigation (SAR) Report Form. Identify and recommend ways to continuously streamline or improve work processes and environments and perform other general clerical duties as assigned. Maintain branch appearance, i.e., replenish brochure racks, update rate sheets, etc. Ensure that member service is the top priority by answering and returning member and co-worker communications promptly, having proper forms and documentation with which to open accounts readily available, and keeping in touch with members and co-workers regarding the status of research or loan applications. Maintain regular and reliable attendance, including punctuality, are essential to achieving organizational excellence. SUPPORTING FUNCTIONS: Provide relief for other positions in all branches, as requested. Perform other duties as assigned by the Branch Manager. COMPETENCIES: The following competencies are essential for success in this role. Collaboration: Establishes and maintains effective relationships, exhibits tact and consideration, displays positive outlook and pleasant manner, offers assistance and support to co-workers, works cooperatively in group situations, works actively to resolve conflicts Effective Communication: Expresses ideas and information in a clear and concise manner; tailors message to fit the interests and needs of the audience; delivers information in a manner that is interesting and compelling to the listener; keeps others adequately informed Execution: Turns strategy into action, aggressively pursues challenging goals and objectives; willing to put in requisite time and effort to accomplish objectives; takes a highly focused, goal driven approach toward work; implements plans efficiently and produces desired results within a specified timeframe Job Knowledge: Competent in required job skills and knowledge, exhibits ability to learn and apply new skills, requires minimal supervision, displays understanding of how job relates to others, uses resources effectively Member/Customer focus: Displays courtesy and sensitivity, manages difficult member/internal customer situations, meets commitments, responds promptly to member/internal customer needs, solicits feedback to improve service Problem solving: Identifies and resolves problems in a timely manner, gathers and analyzes information skillfully, develops alternative solutions, resolves problems in early stages, works well in group solving situations Quality of work: Demonstrates accuracy and thoroughness; critically reviews work processes to ensure quality; identifies and resolves problems that could impact quality; makes sure deliverables and services meet all requirements, expectations and deadlines; does not make the same mistakes twice REQUIRED MINIMUM QUALIFICATIONS: Education: High School diploma or equivalent required. Experience: One-year of customer service experience required; previous experience in a credit union or bank preferred. Ability to effectively communicate with/manage difficult members and situations and handle general public in challenging situations is required. Confident and comfortable in speaking with members about their financial goals to cross sell appropriate products/services. Aptitude to perform basic accounting functions, including exceptional arithmetic skills. Cash handling experience with ability to perform daily reconciliation and balancing of a teller cash drawer. Capacity to use keyboard, 10-key calculator and all other general office equipment. Physical Requirements: Ability to Sit for Extended Periods: This person may need to sit at a desk and use a computer for long durations. Manual Dexterity: Proficient use of hands and fingers for typing, using office equipment, and handling documents. Hearing Ability: Ability to hear and understand spoken communication, both in person and via phone. Verbal Communication Skills: Ability to speak clearly and effectively to communicate with internal and/or external members. Frequent use of telephone headset may be required. Visual Acuity: Ability to view and read computer screens and related documentation with accuracy. Lifting and Carrying: Occasionally lift and carry materials such as files or office supplies weighing between 0 and 30 lbs. Mobility: Ability to move around the office to attend meetings or assist colleagues as needed. OTHE

The BSA Risk Analyst will work to protect the safety and soundness of the credit union, from a BSA/AML/Compliance perspective. The analyst assists with developing, implementing, and administering all aspects of the BSA/AML and Compliance program. The Analyst will be responsible for identifying emerging BSA/AML/OFAC risks and ensuring that proper controls, procedures, and training are in place to help mitigate these risks. Required to be fully knowledgeable and skilled in all areas of the Compliance departments. DIMENSIONS ( the depth and breadth of the job in numeric or statistical terms): Service: Provide exceptional service to internal partners and external members Grit: Persistent in the application of knowledge, skills, and behaviors to achieve goals and address obstacles DEI: Advocate, promoter, and modeler of diversity, equity, and inclusion SUPERVISORY RESPONSIBILITIES (reporting structure): This position has no supervisory responsibilities and reports directly to the Lead BSA Risk Supervisor. MAJOR ACCOUNTABILITIES (major responsibilities of the position): Ensure the credit union complies with all applicable regulations and laws related to position responsibilities. Assists in developing, implementing, and administering regulatory compliance reviews based upon compliance risk in annual enterprise risk report and industry trends along with compliance assessments. Proficient use of BSA/AML software, including reporting any system issues and coordinating periodic software upgrades. Process BSA/AML alerts from red flag software. Prepares effective, accurate, and sufficient SARs. Maintain accurate supporting documentation of all SARs filed or investigations where SARs were not filed. Maintains an effective tracking system. Prepares accurate and effective Currency Transaction Reports. Process escalated watch list alerts. NATURE & SCOPE (daily, weekly, monthly and yearly tasks, duties and responsibilities): Proficiently utilizes the Verafin software and core system to effectively investigate and monitor member transactions to provide an overall picture of potential suspicious activity. Analyses activity across all channels to identify and investigate potential suspicious activity. Stays current on industry trends and best practices to help assess the impacts to regulatory compliance and assists in implementing processes to minimize BSA/AML/OFAC risk within the credit union. Determines whether a SAR should be created. Confers with Lead BSA Risk Supervisor and AVP, Compliance and Legal/BSA Officer, as needed. Maintains confidentiality and ensures timely filing. Prepares SARs. Writes effective, accurate and sufficient narratives as part of the SAR creation. Maintains accurate supporting documentation of all SARs filed, or investigative reports where SARs were not filed, and sustains an effective tracking system. Actively tracks SARs to ensure existing SARs are monitored for 90 day follow-up and reporting. Comprehends and articulates the impact of regulatory compliance changes and implements processes to minimize AML/BSA credit union risk. Prepares, assists, and analyses information related to various compliance assessments to assist in risk monitoring and risk reduction. Assists with escalated potential OFAC matches and escalated potential 314a matches from internal partners. Assists in reviewing and maintaining Monetary Instrument Logs. Monitors and reports elder abuse cases as well as maintains communication with appropriate external parties. Participates on projects that affect AML/BSA/Compliance. Determines how regulatory changes impact BSA/AML systems and work with internal partners find solutions to alleviate manual work. High level of understanding of Customer Due Diligence and AML/BSA regulatory rules, regulations, and guidance and is able to answer questions from internal partners. Prepare and participate in BSA/AML/OFAC training for internal partners. Performs other duties as assigned. EDUCATION, SKILLS, & ABILITIES (qualifications and experience required for this position): Bachelor's degree, preferably in risk management, business, finance or a related field or relevant industry experience. 1-5 years BSA/AML experience. Proficiency in AML software is required. Strong analytical, communication (oral and written), and interpersonal skills. Ability to gather, compile and present data in a clear and logical manner. Organized, detail-oriented, creative thinker, team player, and self-starter. Ability to manage multiple competing priorities and complete all in a timely and efficient manner. Ability to follow directions from a supervisor, interacts effectively with co-workers, follow work rules and procedures, and accept constructive criticism. Regularly participates in external BSA/AML/Risk training and/or conferences. Knowledge of regulatory laws in the credit union industry is a plus Must have a high level of writing skills including but not limited to grammar proficiency, the ability to present numerical data effectively, and ability to edit own work for spelling and grammar. PHYSICAL REQUIREMENTS (sitting, walking, climbing, lifting, etc.): Excellent ability to communicate, both verbally and in writing; ability to tolerate periods of continuous sitting. ENVIRONMENTAL CONDITIONS (indoors, outdoors, desks, etc.): Work is primarily performed within a cubicle office setting. Subject to standard background noise found in an office environment. Note: Staff is expected to perform various tasks, projects and administrative duties as assigned. Management reserves the right to assign or change duties and tasks to this position at their discretion. Salary Range (Hourly) $27.0947 - $33.8684

Golden 1 is seeking a Vice President - Head of Deposit and Loan Servicing Operations to identify, manage, and execute continuous improvement in the operations function, as detailed below. The Head of Deposit and Loan Servicing Operations will oversee all credit union functions and operations related to consumer and business loans, lines, and leases. This includes real estate secured, non-real estate secured, auto/RV/marine, and equity products. The role encompasses consumer and business loan, line, and lease documentation, booking, and funding, along with all account servicing activities, such as add-on insurance. Additionally, the successful candidate will manage the opening and closing of consumer and business deposit accounts, along with all related servicing activities, including IRA, CD, escheatment, dormancy, account restrictions, levies, subpoenas, proxies, and record management. The role also includes overseeing a high-touch call center for business member inbound and outbound calls, managing and overseeing outsourced vendor servicing and performance, and acting as the business application owner for approximately 50 systems and applications. Furthermore, the Head of Deposit and Loan Servicing Operations will be responsible for centralized deceased account processing and compliance with SCRA, MLA, CCPA, and Privacy regulations. Golden 1's Operations is on an exciting transformation journey, redefining how we approach people, processes, technology, and risk to pave the way for excellence and innovation. At the heart of this transformation is our commitment to elevating talent, driving strategic alignment, and creating scalable operations that deliver exceptional value to our members, peers, and partners. By embracing automation, accountability, and relationship-building, we are positioning ourselves for sustainable growth while minimizing costs. A New Organizational Design to Drive Change: Our transformation began with a strategic organizational redesign, aligning resources and functions across two key areas: “Run the Credit Union” and “Modernize the Credit Union.” Through this approach, we've redefined roles, clarified responsibilities, and introduced new leadership positions to cultivate a future-ready, flexible workforce. This shift will enable us to develop leaders with both operational expertise and strategic leadership skills, creating a more agile and dynamic team. The Unicorn Program-Leading with Innovation: A cornerstone of our transformation is the Unicorn Program, driven by the mantra: "Be a unicorn, not a dinosaur." This initiative promotes leadership, innovation, and a mindset of continuous improvement. The program's focus is on modernizing processes, leveraging automation to optimize, and eliminating outdated practices that impede progress. We are fostering a culture of accountability, setting clear expectations, and measuring performance through scorecards. Quarterly all-hands meetings, people forums, and "Ask Me Anything" sessions ensure high visibility and engagement, empowering our team to actively participate in the change process. Our strategic focus: Efficiency, Service, and Growth. The operations business unit strategy is aligned with the broader corporate vision and focuses on three pillars: Deliver Golden Experiences - Building high-performing teams, clearly defining roles and responsibilities, and taking ownership of our risk landscape. Create Efficient and Scalable Processes - Developing a streamlined servicing model to improve operational efficiency, such as reducing paper usage and improving resource allocation. Lead with Personalized Service - Operationalizing a service model that prioritizes personalized, member-centric experiences, ensuring every interaction adds value. By focusing on these areas, we aim not only for operational efficiency but also to inspire innovation, build trust, and empower our teams to make a meaningful impact across the organization and for our members. Key Responsibilities Oversight of the entire department with up to 200 FTEs. Define and build buy-in for the business unit's strategic vision; implement solutions that deliver the strategy. Lead changes necessary to support firm growth strategy while ensuring Golden level member service and creating a scalable operation within current cost structure. Collaborate with senior management, peers, and partners across the credit union on enterprise and departmental initiatives to accomplish strategic goals and remain within low-mod risk appetite. Leverage data and analytics to solve problems and articulate operational strengths, weaknesses, and ongoing performance. Implement and publish KPIs, KRIs, OKRs with appropriate targets and thresholds (RYG) across people, process, technology, risk, and strategy. Oversee business unit planning, risk, governance, quality, reporting, project management, monitoring, and finance. Stay current on service delivery and technology trends across operations. Develop and maintain an understanding of the pertinent regulatory requirements and risks inherent to job responsibilities, establish, and maintain control activities that mitigate those risks consistent with the Credit Union's risk appetite, and ensure operational integrity and compliance with applicable regulations. Year-One Objectives Improve performance across People, Process, and Technology through four key tenants: Elevate to a High-Performing Team: manage, develop, coach, and hold talent accountable. Create an inclusive, open, and positive work environment by embracing diversity, providing equal opportunities, fostering open communication, promoting collaboration, offering support and resources, and leading by example Actively engage and invest in the development of team members by providing opportunities for growth, support and mentorship, and recognition Implement and publish people key performance indicators (KPIs) with appropriate targets and thresholds (RYG) across engagement, diversity, attrition, recognition, and talent management activities Own Process Risk: know and own the risk of your processes Know the regulatory requirements applicable to your processes Ensure an appropriate control environment that performs within firms moderate to low risk appetite Document and maintain all detective and preventative controls with associated key surveillance points (KSP) Implement and publish key risk indicators (KRI) with appropriate targets and thresholds (RYG) across findings, controls, regulatory compliance, risk framework, and remediation Execute Flawless and Efficient Processes: drive to a scalable servicing model Own your process. Know your process. Document your process. Measure process effectiveness. Ensure clarity of roles and responsibilities across team and up-stream and down-stream process owners and managers Eliminate operational re-work and exceptions through continuous improvement and root cause analysis Know and manage processes to ensure they meet member and internal customer expectations, aligned with ‘Golden' service. Evolve processes so execution is scalable to meet demand and avoid increasing operational costs Implement and publish process key performance indicators (KPI) with appropriate targets and thresholds (RYG) across member experience, cost, risk, efficiency (straight through processing, aging, SLA, turn-time), quality (re-work, variance, pass rate) Cultivate Peer Relationships Maintain professional relationships and transparency of process and team performance Collaborate with internal customers on strategic planning, accomplishments and opportunities Collectively assess SLA targets and performance Experience and Professional Qualifications Minimum 5 years of experience in a related position at a financial institution. Ten or more years of progressively responsible management experience at a senior level. Experience managing efficiency projects (upgrades, system enhancements, new product launch, etc.) focused on digital/mobile implementations that improve employee and member experience. Experience completing projects/initiatives on time and within budget. Forward vision in making product changes, recommendations, pricing, analysis and vendor selection(s). Strong ability to translate quantitative data into actionable recommendations and to translate business objectives into marketing goals and measurements. Excellent understanding and continued oversight of enterprise risk, which includes the following risk categories: operations, transaction, project, regulatory, upgrade/conversion, fraud, etc. Confident leader with the ability to express a vision to the organization and subsequently delegate responsibility as needed. Demonstrated excellence as a strategic thinker who can put plans into action to achieve mutually agreed upon goals in a fast-paced professional environment. Manage Credit Union resources and foster bottom line accountability. Strong communication and presentation skills, including the ability to translate data and insights into easily digestible content for executive management consumption. Strong decision making and time management skills with the ability to manage multiple projects/duties. Strong work ethic and organizational skills. Able to be think at an enterprise level, using creative and innovation solutions to advance member value. Able to analyze problems and strategize for better solutions. Ability to remain organized and manage multiple projects in a timely manner. Possess excellent interpersonal, verbal, and written communication and presentation skills with the ability to form good working relationships at all levels both internally and externally. Skills, abilities, and exertion utilized in the performance of these tasks: Effective oral and written communication skills required to manage and evaluate staff, make presentations, prepare recommendations, perform analysis, and accomplish other managerial functions as listed. Must possess sufficient manual dexterity to skillfully operate an on-line computer terminal, smartphone, telephone, and other standard office equipment. Organizational contacts & relationships: INTERNAL: Management group, Information Technology, Marketing, Lending, Retail, Finance, and Accounting. EXTERNAL: Members, vendors, government agencies, credit union industry associations, and peers in financial institutions. 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 depart

TITLE: MANAGER - EXTERNAL HOME LOANS PRODUCTION STATUS: EXEMPT REPORTS TO: SENIOR MANAGER - HOME LOAN ORIGINATIONS DEPARTMENT: HOME LOAN EXTERNAL PRODUCTION PAY SCALE: $75,000.00 - $75,000.00 ANNUALLY GENERAL DESCRIPTION: The primary purpose of this position is to develop production growth opportunities in the assigned region of the Home Loan Center. Emphasis will be placed on growing production, increasing membership, increasing market share, maintaining member service commitment levels, HLA recruitment and retention. The position will also be responsible for regionally based strategic initiatives, developing home builder relationships, development of future leaders and the goals and road map for the Home Loans Division. The Manager, External Home Loans Production will have incentive tied to Golden1 team production. TASKS, DUTIES, FUNCTIONS: Develop loan production matrixes for production staff to increase growth and market share. Identify new business opportunities and develop a plan to drive consistent performance. Foster a positive and engaging work environment for each team member by promoting skill development, coaching for improvement and growth, inspiring others through your words and actions, ensuring positive employee morale throughout Golden 1, and embracing our mission, vision, and core values. Work with other leadership positions to promote the implementation of the Home Loans Strategy. Ensure Business to Business Development by: Attending Tradeshows and Conferences specific to specific groups and organizations. Working with Sr. Manager & other leadership roles on the development of special programs related to Realtors, Builders, and other alliance groups. Initiating promotional materials with Marketing and other business areas. Assist and/or participate in public relations events such as Financial Workshops, President's Club, Trade Shows, as needed. Coordinate and attend Business Related events by select associations including but not limited to Realtor Associations, Builder groups, Chamber's, etc. Provide monthly report of activities to Sr. Manager detailing events, attendance, purpose, and G1 business benefits. Develop, Coach & Support HLA Staff under your leadership. Responsible for participating in, communicating and implementation of Home Loans policy and procedures. 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 Travel may be required within the region and CA Develop and maintain an understanding of the pertinent regulatory requirements and risks inherent to job responsibilities, establish, and maintain control activities that mitigate those risks consistent with the Credit Union's risk appetite, and ensure operational integrity and compliance with applicable regulations. PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASK: 1. Effective oral and written communication skills required to interact with credit union staff, management, and all member channels. 2. 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: 1. INTERNAL: All levels of staff. 2. EXTERNAL: Members, real estate agents, title companies, credit reporting agencies, mortgage insurance companies, branches, secondary market investors, SEG Contacts, prospective members. QUALIFICATIONS: 1. EDUCATION: Bachelor's degree or equivalent experience preferred. 2. EXPERIENCE: Four or more years in Mortgage Sales Management. 3. KNOWLEDGE/SKILLS: Current connections/contacts within the Mortgage and Real Estate Industries. Maintain and keep current knowledge of FNMA requirements, Real Estate and Equity products and Credit Union operations, plus the regulations, and policy surrounding these products. Leadership abilities. Also, ability to motivate and inspire. Proven ability to meet and/or exceed individual/team service and production goals. PHYSICAL REQUIREMENTS: 1. Prolonged sitting throughout the workday with occasional mobility required. 2. Corrected vision within the normal range. 3. Hearing within normal range. A device to enhance hearing will be provided if needed. 4. Occasional movements throughout the department daily to interact with staff, accomplish tasks, etc. 5. Unusually long or inconsistent hours may be required to accomplish tasks. 6. Weekly local to statewide travel by car or public conveyance to attend meetings and establish/maintain relevant contacts. LICENSES / CERTIFICATIONS: 1) MLO/NMLS Registration required: An individual in this position have been determined to be a Mortgage Loan Originator as defined by the S.A.F.E. Act and whose responsibilities include taking applications and discusses terms and negotiates rates on loans secured by real property. #LI-Hybrid THIS JOB DESCRIPTION IN NO WAY STATES OR IMPLIES THAT THESE ARE THE ONLY DUTIES TO BE PERFORMED BY THIS EMPLOYEE. HE OR SHE WILL BE REQUIRED TO FOLLOW OTHER INSTRUCTIONS AND TO PERFORM OTHER DUTIES REQUESTED BY HIS OR HER SUPERVISOR THAT ARE WITHIN HIS / HER KNOWLEDGE, SKILL AND ABILITY AS WELL AS HIS / HER MENTAL AND PHYSICAL ABILITIES. REV.3/7/2025 Other details Job Family Manager Job Function Manager Pay Type Salary Employment Indicator Flex/Hybrid Min Hiring Rate $75,000.00 Max Hiring Rate $75,000.00

TITLE: DEPOSIT ACCOUNT SERVICING DOMAIN EXPERT STATUS: NON-EXEMPT REPORTS TO: SR MGR - DEPOSIT ACCOUNT SERVICING DEPARTMENT: DEPOSIT ACCOUNT SERVICING PAY RANGE: $27.56 - $30.00 HOURLY GENERAL DESCRIPTION: As a Deposit Account Servicing Domain expert, you will play a crucial role in driving the department's project success from inception to completion. You will define project objectives, processes, policies, and procedures, ensuring everything runs smoothly. Your role will involve close collaboration with leadership, project teams, and internal teams, providing essential support through the creation, testing, and rollout of deliverables. The ability to seamlessly collaborate, communicate effectively, and manage your time will be crucial in enhancing project workflows, coordinating independently while ensuring all stakeholders are informed and aligned. This is an exciting opportunity to make a significant impact and contribute to our mission of excellence. TASKS, DUTIES, FUNCTIONS: Responsible for ensuring service excellence to all credit union staff, external business partners, and members of the Golden 1 Credit Union by continually reinforcing our Mission, Vision, and Core Values. Prepare the business unit for projects by creating detailed requirements, testing scenarios, and validating results. Provides extremely high-level subject matter expertise, advanced technical knowledge and analysis of specialized applications and operational environments that require exceptional knowledge of the subject matter for effective implementation. Extensive experience in deposit account servicing, depth of knowledge in financial institutions. Communicate concisely to convey relevant project information to various stakeholders, varying the approach given the audience, and ensuring technical concepts are explained in an easy-to-understand manner. Possess strong problem-solving skills, handling unforeseen obstacles. Perform User Acceptance Testing. Maintain comprehensive project documentation, including test scripts, project outcomes, and employee reference guides, ensuring all details are accurately recorded for future use and training. Identify challenges in complicated areas and create solutions ensuring projects are on track. Propose and implement innovative solutions to streamline processes, increase efficiency, and enhance overall deposit account servicing experience. Generate functional area strategies for enhanced operations in a cross-functional area throughout the organization. Stay informed about industry trends and advancements in deposit servicing and member support to further support a digital first mentality. Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance. Must pass all regulatory and compliance courses and apply knowledge to tasks. Support a positive teamwork environment, which encourages team commitment to corporate, division, and departmental goals. Oversee process documentation, ensuring project details, program changes, and content on changes are available. Perform training, document procedures, support, workflow coordination and guidance. Provide additional support throughout the department and perform other tasks and duties as needed. PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASKS: Effective oral and written communication skills required to assist staff, members, and third parties. Must possess sufficient manual dexterity to skillfully operate laptop, and other standard office equipment, such as financial calculators, cellphone, and telephone. ORGANIZATIONAL CONTACTS & RELATIONSHIPS: INTERNAL: All levels of staff. EXTERNAL: Members, Vendors, and 3 rd Parties. QUALIFICATIONS: EDUCATION: Successful completion of High School curriculum and / or equivalent work experience. Associate degree, desired. EXPERIENCE: 4 or more years at a financial institution performing customer service and deposit servicing. In-depth knowledge of deposit products, all specialty account types, regulations, and industry best practices. Knowledge of advanced deposit and maintenance servicing, legal document processing, quality control and compliance monitoring experience. Strong analytical and problem-solving skills. KNOWLEDGE/SKILLS: Previous experience in customer service, financial institution experience required, leadership experience desired. Familiarity with program or project management is a plus. Experience in deposit account products, specifically deposit account servicing experience. Extensive knowledge of California regulations pertaining to Privacy Act, escheatment/dormant accounts, legal order processing, tax filing and reporting, back-up withholding and W-8 BEN requirements and/or b-notice processes, required. Knowledge of SBO processes, Safe Deposit Box, and records management. Excellent oral and written communication skills. Ability to multitask Excellent organization skills. Possess and use sound judgment. Accuracy is a must. Working knowledge and ability to use Microsoft Office software and standard office equipment. 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. Extensive PC data entry and processing throughout the workday. May require minimal travel, local and statewide by car or public conveyance for Credit Union business. LICENSES/CERTIFICATIONS: None #LI-Hybrid THIS JOB DESCRIPTION IN NO WAY STATES OR IMPLIES THAT THESE ARE THE ONLY DUTIES TO BE PERFORMED BY THIS EMPLOYEE. HE OR SHE WILL BE REQUIRED TO FOLLOW OTHER INSTRUCTIONS AND TO PERFORM OTHER DUTIES REQUESTED BY HIS OR HER SUPERVISOR THAT ARE WITHIN HIS / HER KNOWLEDGE, SKILL AND ABILITY AS WELL

TITLE: SERVICE DESIGN - INTERN STATUS: NON-EXEMPT REPORTS TO: DIRECTOR - SERVICE DESIGN DEPARTMENT: SERVICE DESIGN PAY SCALE: $21.00 HOURLY BUILD YOUR FOUNDATION AT GOLDEN 1: Golden 1 Credit Union is California's leading credit union and one of the largest in the United States. Today, we continue affirming our Mission to deliver exceptional financial services and support to empower our members and communities. We are dedicated to increasing educational opportunities, strengthening financial well-being, and making communities great. We invite you to join our competitive 8-week paid Internship Program and take advantage of an opportunity to gain valuable work experience that will set you apart. JOB DESCRIPTION: Golden 1 Credit Union offers a personalized experience for interns. Our goal is to give interns a glimpse of what it is like working for a fast-growing, diverse, and exceptional financial institution. Our 8-week internship program will consist of department specific job duties/projects, as well as professional development workshops, networking sessions with G1 leaders, and a team project that will be presented to senior executives. Working with the Service Design Department you will: General Focus/Duties: Member Feedback Analysis: Analyze member (customer) feedback. Documentation: Document member feedback from in-depth interviews. Research Organization: Organize research within a centralized research repository. Project Involvement: Participate in the Key Member Journey project and the Member Research Repository project. Other Duties as assigned. Ideal Candidate Qualifications: Educational Focus: Service Design, Design Strategy, Industrial Design, Human-Computer Interaction, User Experience Design, or similar. Key Skills and Traits: Service Design Methods: Knowledge of journey maps, service blueprints, and other service design methods. Research Skills: Ability to conduct research and analyze both quantitative and qualitative data. Documentation Skills: Proficiency in documenting feedback and organizing research. MINIMUM REQUIREMENTS: Must be currently enrolled as a full-time student as defined by the school, organization, or institution. GPA of at least a 3.2. Completed at least 60 semester credit hours by time of application. PROGRAM OVERVIEW AND DETAILS: Intern Program: Intern must be available for the duration of the 8-week program. Work Schedule: Monday through Friday, 8am - 5pm. Golden 1 Credit Union does not provide any form of housing reimbursement or relocation package for interns. LOCATION: Although the positions are generally Hybrid schedule you will be expected to attend some in-person activities at the Golden 1 Headquarters located in Sacramento CA. HOW TO APPLY: Submit completed online application. Once you submit your application, it will be reviewed by the Golden 1 Credit Union Intern Program Manager. You will be contacted directly if your application is selected for further consideration. Only completed applications will be considered. #LI-Hybrid REV 02.26.2025 Other details Job Family Non-Manager Job Function Non-Manager Pay Type Hourly Employment Indicator Flex/Hybrid Min Hiring Rate $21.00 Max Hiring Rate $21.00

TITLE: PAYMENT OPERATIONS PROGRAM MANAGER STATUS: EXEMPT REPORTS TO: DIRECTOR - PAYMENT OPERATIONS DEPARTMENT: PAYMENT OPERATIONS PAY RANGE: $76,300.00 - $84,000.00 ANNUALLY GENERAL DESCRIPTION The Payments Program Manager supports the Payment Servicing Operations team in developing, managing, and enhancing payment programs. This role focuses on optimizing processes, managing vendors, coordinating projects, and analyzing key metrics to drive improvements in the member experience. The Payments Program Manager works collaboratively across departments to implement initiatives that align with organizational goals. KEY RESPONSIBILITES Seek out process improvement opportunities identified through committees, business owners, project teams, and proactive discovery. Review, analyze, and create detailed documentation of business unit needs, including workflows, program functions, and implementation schedules. Build collaborative working relationships with other departments and service providers to develop best practices and continuous process improvements. Leverage data to document and communicate unresolved defects for prioritization and escalate potential issues impacting system integrity. Recommend business-level changes based on findings, including identifying best practices and industry solutions. Provide detailed financial analysis to support decision-making across operations. Lead cross-departmental projects, guiding initiatives from concept to implementation, and ensuring alignment with business goals. Serve as the liaison between operations and other teams to ensure cohesive planning and execution. Create and maintain project schedules, monitor milestone completion, and provide timely reporting of impacting issues. Coordinate actions, resolve conflicts, document, and prioritize changes or enhancements. Research new products, services, and equipment related to business needs. Conduct business surveys and analyze trends, products, and existing challenges in the industry. Assist with testing and validating system enhancements and new features. PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASK: Must have strong organizational skills and possess sharp attention to detail. Effective oral and written communication skills required to interact with credit union staff and management and complete technical analysis. Ability to communicate with a wide variety of technical and non-technical audiences, internally and externally, through both written and verbal communication in technical and business terms as needed. Must possess sufficient manual dexterity to skillfully operate a personal computer and other standard office equipment, such as multi-purpose copier and telephone. Ability to work closely with peers and build strong partnerships with key stakeholders. Effective analytical skills are required to prepare recommendations, perform analysis and accomplish other functions as listed. Make sound decisions in the absence of detailed instructions. Must have the ability to work on own initiative. Must be able to work under tight deadlines. ORGANIZATIONAL CONTACTS & RELATIONSHIPS: INTERNAL: All levels of staff and management. EXTERNAL: Members, vendors, government agencies, other industry association and other financial institutions. QUALIFICATIONS: EDUCATION: Bachelor's degree in Business Administration, Operations Management, Finance, or a related field preferred. EXPERIENCE: 5+ years' experience in payments, financial services, or related fields. 2+ years' experience with project research, business analytics, or program management. 2+ years' experience in supporting back-office operations. KNOWLEDGE / SKILLS: Strong oral and written communication skills, including presenting to groups and preparing detailed reports for senior management. Well versed in reporting on Operational KPI's for example: Transaction Volumes, Quality, Service Levels, Productivity and Unit Cost. Advanced organizational skills, including the ability to prioritize daily activities and multi-task to complete high priority and time sensitive assignments and processes simultaneously. Proficient in Excel, including the use of pivot tables and charts. Independent work methods with strong oral/written communication and numerical skills. Work well under pressure. Ability to read, analyze, and formulate business processes as well as be able to apply analytical skills to problem solving. With the ability to define problems, collect data, establish facts and draw valid conclusions. Ability to formulate ideas and recommendations both orally and in writing for presenting to management. Experience with MS Office Software desired. Ability to execute commonly used financial industry concepts and practices. Demonstrated ability to working a fast-paced, ambiguous environment while prioritizing and managing multiple responsibilities. Ability to lead a team for projects. Enthusiasm and interest in operational improvement and driving organizational change to create a more secure financial environment. Strong sense of ethics and professionalism. Ability to positively communicate suggested solutions and alternate outcomes. Ability to keep and maintain confidential information 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 moveme

TITLE: INFOSEC ANALYSIS AND INVESTIGATION - INTERN STATUS: NON-EXEMPT REPORTS TO: MGR - INFORMATION SECURITY INVESTIGATIONS DEPARTMENT: INFO SEC ANALYSIS AND INVESTIGATIONS PAY SCALE: $21.00 HOURLY BUILD YOUR FOUNDATION AT GOLDEN 1: Golden 1 Credit Union is California's leading credit union and one of the largest in the United States. Today, we continue affirming our Mission to deliver exceptional financial services and support to empower our members and communities. We are dedicated to increasing educational opportunities, strengthening financial well-being, and making communities great. We invite you to join our competitive 8-week paid Internship Program and take advantage of an opportunity to gain valuable work experience that will set you apart. JOB DESCRIPTION: Golden 1 Credit Union offers a personalized experience for interns. Our goal is to give interns a glimpse of what it is like working for a fast-growing, diverse, and exceptional financial institution. Our 8-week internship program will consist of department specific job duties/projects, as well as professional development workshops, networking sessions with G1 leaders, and a team project that will be presented to senior executives. Working with the Info Sec Analysis and Investigation Department you will: General Focus/Duties: Information Security Analysis: Provide entry-level information security analysis. Alert Training: Receive training on specific types of alerts. Information Security Exposure: Gain a curated glimpse into the world of information security over 8 weeks. Other Duties as assigned. Ideal Candidate Qualifications: Educational Focus: Computer Science, Software Engineering, Information Technology, Information Security. Key Skills and Traits: Programming Skills: Bonus for candidates in a coding program or with programming skills. Technical Proficiency: Strong technical skills and understanding of information security concepts. Team Collaboration: Ability to work closely with the team and explain work clearly. MINIMUM REQUIREMENTS: Must be currently enrolled as a full-time student as defined by the school, organization, or institution. GPA of at least a 3.2. Completed at least 60 semester credit hours by time of application. PROGRAM OVERVIEW AND DETAILS: Intern Program: Intern must be available for the duration of the 8-week program. Work Schedule: Monday through Friday, 8am - 5pm. Golden 1 Credit Union does not provide any form of housing reimbursement or relocation package for interns. LOCATION: Although the positions are generally Hybrid schedule you will be expected to attend some in-person activities at the Golden 1 Headquarters located in Sacramento CA. HOW TO APPLY: Submit completed online application. Once you submit your application, it will be reviewed by the Golden 1 Credit Union Intern Program Manager. You will be contacted directly if your application is selected for further consideration. Only completed applications will be considered. Other details Job Family Non-Manager Job Function Non-Manager Pay Type Hourly Employment Indicator Flex/Hybrid Min Hiring Rate $21.00 Max Hiring Rate $21.00

JOB TITLE: Web Applications Programmer II DEPARTMENT: IT - Solutions Engineering STATUS: EXEMPT PAY SCALE: $100,500.00 - $115,000.00 Annually GENERAL DESCRIPTION: The Web Applications Programmer is responsible for the programming and implementation of user interface, web service, and database applications for the external facing web site, employee Intranet and components that integrate third-party systems with our web applications and host system. This position also establishes and maintains the organization's Internet and Intranet technical architecture and functions. The Web Applications Programmer will analyze, design, and implement technical solutions for existing and new Internet/Intranet system. In addition, they will make recommendations for best practices including the proper production, technical and design technique specific to Internet/Intranet programming and has experience and skill with dominant applications to maintain and modify the organization's Internet/Intranet efforts including content, graphical and communications. TASKS, DUTIES, FUNCTIONS: Design, program and implement solutions programmed in .NET with attention to user experience and cross- browser support on both new and existing software projects. Requires working with other technical staff to understand platforms, integration points (APIs, services) and database structures. Research, analyze, design, document, create test plans and prototype enterprise web applications and solutions that integrate with third-party systems. Analyze, program, troubleshoot, debug, and implement enterprise web interface components using HTML, XHTML, XML, XSLT, JavaScript, ASP.NET, Visual C#.NET, SOAP, REST, jQuery, CSS, AJAX, JSON, and SQL. Assist in managing all web programming including integration of approved content on the site, file management and site maintenance, database management, archiving, and record management. 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. Work with other members of the Web Applications and IT Programming teams to program enterprise wide applications and integrate them with third-party systems. Responsible for interface programming and implementation and integration of web applications with backend databases. Responsible for quality assurance of all e applications, including unit testing and source code control for versioning and lifecycle management. Maintain knowledge of industry best practices, security standards and current technologies with regard to web programming, applying to all programming efforts. Provide guidance to less experienced team members. PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASKS: Effective oral and written communication skills required to manage the implementation of web applications and solutions, prepare recommendations, perform analysis, and to accomplish other functions as listed. 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 staff and management. EXTERNAL: Vendors, sales personnel, members and peers at other financial institutions. QUALIFICATIONS: EXPERIENCE: Minimum 7 years' experience in web development and maintenance. Minimum of 4 years .NET/C# experience. Experience working in an Agile/SCRUM environment. KNOWLEDGE/SKILLS: Enterprise experience with Microsoft technologies (SQL Server, C#, WCF, ASP.NET, Entity Framework) and associated development environments (Visual Studio, TFS). Demonstrated expertise in developing, troubleshooting, and implementing software code that include at least the following: HTML, XHTML, XML, XSLT, JavaScript, SOAP, REST, jQuery, CSS, AJAX, JSON, and SQL. Must also have experience working with multi-tier software architecture, object oriented design, requirement gathering, Agile and Waterfall SDLC and have a thorough understanding of core systems infrastructure (operating systems, web server, database, etc.) 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. Moderate travel by car and/or public conveyance locally or to out-of-area locations or across the United States. Prolonged operation of a personal computer, which includes typing, operating a mouse and reading information on the monitor. May require unusually long work hours to accomplish tasks. May require travel during projects. Must be able to work under tight deadlines; may be required to work extended hours to complete projects. LICENSES/CERTIFICATIONS: None #LI- Remote THIS JOB DESCRIPTION IN NO WAY STATES OR IMPLIES THAT THESE ARE THE ONLY DUTIES TO BE PERFORMED BY THIS EMPLOYEE. HE OR SHE WILL BE REQUIRED TO FOLLOW OTHER INSTRUCTIONS AND TO PERFORM OTHER DUTIES REQUESTED BY HIS OR HER SUPERVISOR THAT ARE WITHIN HIS / HER KNOWLEDGE, SKILL AND ABILITY AS WELL AS HIS / HER MENTAL AND PHYSICAL ABILITIES. Other details Job Family Senior Professional Job Function Senior Professional Pay Type Salary Employment Indicator Remote Min Hiring Rate $100,500.00 Max Hiring Rate $115,000.00

TITLE: Fraud Risk Management Program Manager STATUS: Exempt REPORTS TO: VP - Enterprise Risk Officer DEPARTMENT: Enterprise Risk Management PAY RANGE: $111,800.00 - $130,000.00 Annually GENERAL DESCRIPTION: The Fraud Risk Management Program Manager is responsible for implementing, maintaining, and monitoring Golden 1's fraud risk management program; ensuring processes are effective in managing internal and external risks in a manner that is consistent with strategic goals, organizational objectives, and risk appetite. This role requires a strong, dynamic leader with sound knowledge of business management, and deep knowledge of risk management and best practices. This role, as part of the second line, will establish, maintain, and monitor adherence to enterprise fraud policies and standards that define clear expectations and guidelines for the execution of fraud related activities. The Fraud Risk Management Program Manager will collaborate with various stakeholders and multidisciplinary teams to evaluate, recommend, and drive improvements to enterprise fraud risk management practices and processes across the Credit Union. TASKS, DUTIES, FUNCTIONS: Under the direction of the Enterprise Risk Officer, establish the second line fraud risk management function by providing leadership, innovation, governance, reporting and effective challenge necessary to identify, measure, mitigate, monitor, and report on Golden 1's fraud risk program in accordance with the established risk management framework. Continuously improve the Credit Union's ability to identify, assess, prioritize, and mitigate fraud risks throughout the organization and create recommendations on how to integrate controls as part of daily operations. Oversee risk identification activities and processes that continuously identify threats and vulnerabilities, to determine the Credit Union's fraud risk profile. Develop and maintain a detailed enterprise-wide fraud taxonomy that classifies various types of fraud. As part of the second line, conduct assessments of the fraud program design and operational effectiveness, evaluating prevention, detection, and response capabilities, including processes, tools, skills and staffing. Assist in development of fraud first line program assessment methodology and approach. Assess the impact of new products and initiatives to the fraud risk appetite, conducting reviews and providing effective challenge. Monitor issues related to Credit Union fraud prevention and detection systems and workflows to ensure internal controls are appropriately designed and operating as intended, ensuring risk mitigation activities support the fraud risk management program. Develop risk management tools, practices, and policies to analyze and report fraud risks, and to manage risks according to an enterprise risk management framework. Establish and maintain appropriate policies, standards, and procedures to support the fraud risk management program. Develop and maintain a fraud risk management program, including a strategic roadmap for maturing the program that is aligned with the business to mitigate or lessen the impact of current and future fraud risks for Golden 1. Understand the dynamic threat landscape and align activities on an ongoing basis to ensure it addresses the changing risk environment. Promote a culture of risk awareness by providing and maintaining effective fraud awareness training and ongoing fraud-related communications to all levels of the organization. Tactfully yet assertively challenge assumptions and perspectives on fraud risks throughout the organization. Recommend improvements to policies, procedures, and practices to reduce costs, improve internal controls and/or drive efficiencies. Engage with senior leadership and provide detailed insights into areas of fraud risk for the organization. Provide key inputs to risk oversight committees, including creating and updating risk management reports and presentations on the evaluation of the fraud risk management program effectiveness, level and direction of risks, key and emerging risks, and status of previously identified risk and control issues. Develop standardized metrics and reporting to enable continuous monitoring against program goals. Identify and implement improvements which support the overall maturity and growth of the fraud risk management program. Prepare and deliver executive-level presentations. Coordinate and collaborate with line of business and support functions (e.g., Operational Risk, Information Technology, Information Security, Legal, Compliance, Privacy, Physical Security, and Finance, Enterprise Project Management Office, among others), to integrate the fraud risk management programs across all areas of the credit union. Participate in and report on fraud related incident management activities and events managed by the first line in accordance with the Incident Response policy, including the analysis of operational losses caused by fraud. Maintain current knowledge of fraud domain and fraud risk management industry trends, best practices and techniques that can be practically applied at Golden 1. Partner with external agencies and peer companies to coordinate information exchange and leverage best practices. Perform other duties as required to support the enterprise risk management program and the business, such as developing ad-hoc analysis, performing deep dive investigations, or driving specific risk initiatives. Develop and maintain an understanding of the pertinent regulatory requirements and risks inherent to job responsibilities, establish, and maintain control activities that mitigate those risks consistent with the Credit Union's risk appetite, and ensure operational integrity and compliance with applicable regulations. PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASKS: 1. Effective oral and written communication skills required to interact with credit union staff, management, and all member channels. 2. 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: 1. INTERNAL: All levels of staff and management. 2. EXTERNAL: Volunteers, external auditors, regulators/examiners, professional and community organizations and others, as needed. QUALIFICATIONS: 1. EDUCATION: Bachelor's degree in Business (finance/accounting), Security, Criminal Justice, or equivalent job experience preferred. 2. EXPERIENCE: At least 7 years of relevant experience in fraud risk management in a financial institution or comparable law enforcement experience. Experience developing and managing a fraud risk management program is strongly preferred. 3. KNOWLEDGE/SKILLS: • Knowledge of risk management governance models, methods, practices, and processes inclusive of risk identification, analysis, mitigation/control, communication, monitoring, reporting and escalation. • Experience in fraud policy development, fraud/security education, risk analysis, and compliance testing required. • Strong knowledge of concepts and best practices including, but not limited to, fraud operations, strategy, process optimization, and consumer experience with a validated history of balancing fraud and risk, consumer experience and business performance needs. • Demonstrated knowledge of fraud risk management standards, rules, and regulations, with experience in development, management, and/or oversight of elements, such as program governance, risk assessment processes, and performance monitoring. Experience with related fraud and identity theft red flag regulations. • Demonstrated experience w

TITLE: INVESTIGATOR I STATUS: NON-EXEMPT REPORTS TO: FRAUD PREVENTION AND RISK INVESTIGATIONS MANAGER DEPARTMENT: FRAUD PREVENTION AND RISK INVESTIGATIONS PAY SCALE: $30.31 - $32.00 HOURLY GENERAL DESCRIPTION: The Investigator I is responsible for detecting, reviewing, preventing, and reporting suspicious activity to help mitigate member and Credit Union losses through case investigations. The Investigator I will review real time payments and deposit activity to detect and prevent fraudulent transactions. This position will provide support and guidance for all suspicious or fraudulent activity for the Credit Union. TASKS, DUTIES, FUNCTIONS: Responsible for the operation of and processes related to fraud monitoring products and tools. Create and maintain a positive and informative member experience when verifying or taking a report of fraud. Utilizes manual and automated processes to detect, verify and contact members related to potentially suspicious transactions and/or activity with a sense of urgency in a fast-paced environment. Support the department mission by conducting investigations, analysis and responding to fraud cases, identifying points of compromise and potential loss to the credit union. Facilitate reporting, when necessary, while ensuring a positive member experience. Every phase of the review process must be closely documented based on established guidelines and/or procedures. Review and resolve deposit fraud and account fraud case types within department expectations. Investigate and respond to check fraud claims as received by members and/or other financial institutions. Maintains a thorough understanding of state and federal laws and regulations related to credit union compliance including OFAC Sanctions, Executive Orders, FACTA, Reg. CC, Reg. E, UCC, Check 21, Bank Secrecy Act, Anti-Money Laundering laws, Visa and other card related regulations appropriate to the position. Comply with all established internal audit, security and credit union rules, regulations and departmental procedures. Maintain knowledge by keeping updated with required regulations or procedures through emails, publications, online resources, and procedure changes. Review cases assigned for closure to ensure Verafin case has proper coding and all steps are taken prior to closing account in DSUI. Answer department phone calls and internal communications in a timely and professional manner. Assist with, respond to and/or resolve member/branch issues related to fraud. Identify, investigate, and document reports of unusual or suspicious member activity which would be in violation of BSA reporting requirements and report/assign to the appropriate team member(s). Utilize BSA reporting template to provide detailed report and supporting documentation to be sent to BSA department for potential SAR review and filing. BSA narrative to be written and submitted for audit by an Investigator II or above. Follow current fraud trends and gather information via industry events, forums, and publications. Work with other financial institutions, law enforcement, and processors to identify and mitigate fraud in the industry with the goal of reducing losses to the credit union. Maintain confidentiality of documentation and communications to and from members, other institutions, law enforcement, and vendors. Identify and report elder and dependent abuse concerns to leadership for potential timely mandate reporting. Takes the necessary steps to prevent losses or further compromises by changing or updating the status of vulnerable cards/accounts and placing holds to mitigate losses. Maintain clear and accurate documentation of investigations for use in SAR or Law Enforcement reporting. Research, investigate, and disposition FRAML case assignments, accurately and within specified timeframes. Understand CTR filing requirements and be able to answer basic questions. Assists with the training of new staff and acts as a resource for all team members regarding a variety of loss prevention and fraud scenarios. Assists in development and facilitation of fraud prevention and awareness for all branch and HQ staff as applicable. Maintain accurate tracking of work performed, which will be used in department performance measurements. Prepare police reports for all losses over the established thresholds or established behaviors outlined in department procedures. Work with law enforcement as required, providing updates or additional information as needed. Responds to law enforcement agencies and financial institutions requesting documentation and/or images to support investigations involving credit union losses. Perform other duties as assigned. Perform other duties as assigned. PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASK: Effective oral and written communication skills required to assist other staff, constructively follow-up on member inquiries, communicate clearly with management, 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. ORGANIZATIONAL CONTACTS & RELATIONSHIPS: INTERNAL: All business units and departments as needed. EXTERNAL: Federal, state, and local law enforcement, vendors and business partners, and industry peers as needed. QUALIFICATIONS: EDUCATION: Associates degree or combination of experience and education. EXPERIENCE: 3-4 years of financial institution or law enforcement experience and Fraud, AML, or card fraud experience. KNOWLEDGE / SKILLS: Effective oral and written communication skills with the ability to effectively communicate with internal and external contacts. Knowledge of Credit Union products, services, policies & procedures. Operating knowledge of Visa regulations, AML/BSA, OFAC and Federal/State Regulations. Good organizational skills, including the ability to prioritize daily activities and multi-task to complete assignments. Strong attention to detail in working and investigating files with emphasis on deadlines. 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 exercising sound judgement, working both independently as well as in a team environment Possess general knowledge of Fraud/AML (FRAML), loan and card fraud activities and demonstrates the ability to perform general department tasks. 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. LICENSES / CERTIFICATIONS:

TITLE: CORPORATE COMPLIANCE - INTERN STATUS: NON-EXEMPT REPORTS TO: SRMGR - COMPLIANCE MONITORING AND QUALITY ASSURANCE DEPARTMENT: CORPORATE COMPLIANCE PAY RANGE: $21.00 HOURLY BUILD YOUR FOUNDATION AT GOLDEN 1: Golden 1 Credit Union is California's leading credit union and one of the largest in the United States. Today, we continue affirming our Mission to deliver exceptional financial services and support to empower our members and communities. We are dedicated to increasing educational opportunities, strengthening financial well-being, and making communities great. We invite you to join our competitive 8-week paid Internship Program and take advantage of an opportunity to gain valuable work experience that will set you apart. JOB DESCRIPTION: Golden 1 Credit Union offers a personalized experience for interns. Our goal is to give interns a glimpse of what it is like working for a fast-growing, diverse, and exceptional financial institution. Our 8-week internship program will consist of department specific job duties/projects, as well as professional development workshops, networking sessions with G1 leaders, and a team project that will be presented to senior executives. Working with the Corporate Compliance Department you will: General Focus/Duties: AI Utilization: Use Microsoft 365 Copilot to review key consumer protection compliance regulations and develop risk statements and compliance expectations. Control Testing Support: Assist with developing Control Testing workpapers (testing will be done by other Compliance Staff). Other Duties as assigned. Ideal Candidate Qualifications: Educational Focus: Law, Business Administration, Finance, Information Systems. Key Skills and Traits: Critical Thinking and Analysis: Strong critical thinking and analysis skills. Regulation Understanding: Ability to read complex regulations and compare/validate against AI results for reasonableness. Adaptability: Ability to take direction and feedback and adapt quickly to a fast-paced work environment. Technical Proficiency: Advanced skills in MS Word and Excel. MINIMUM REQUIREMENTS: Must be currently enrolled as a full-time student as defined by the school, organization, or institution. GPA of at least a 3.2. Completed at least 60 semester credit hours by time of application. PROGRAM OVERVIEW AND DETAILS: Intern Program: Intern must be available for the duration of the 8-week program. Work Schedule: Monday through Friday, 8am - 5pm. Golden 1 Credit Union does not provide any form of housing reimbursement or relocation package for interns. LOCATION: Although the positions are generally Hybrid schedule you will be expected to attend some in-person activities at the Golden 1 Headquarters located in Sacramento CA. HOW TO APPLY: Submit completed online application. Once you submit your application, it will be reviewed by the Golden 1 Credit Union Intern Program Manager. You will be contacted directly if your application is selected for further consideration. Only completed applications will be considered. #LI-Hybrid REV. 2/26/2025 Other details Job Family Non-Manager Pay Type Hourly Employment Indicator Flex/Hybrid Min Hiring Rate $21.00 Max Hiring Rate $21.00

TITLE: BUSINESS ACCOUNT AND LOAN SERVICING - INTERN STATUS: NON-EXEMPT REPORTS TO: SUPERVISOR - BUSINESS ACCOUNT AND LOAN SERVICING DEPARTMENT: BUSINESS MEMBER SUPPORT PAY RANGE: $21.00 HOURLY BUILD YOUR FOUNDATION AT GOLDEN 1: Golden 1 Credit Union is California's leading credit union and one of the largest in the United States. Today, we continue affirming our Mission to deliver exceptional financial services and support to empower our members and communities. We are dedicated to increasing educational opportunities, strengthening financial well-being, and making communities great. We invite you to join our competitive 8-week paid Internship Program and take advantage of an opportunity to gain valuable work experience that will set you apart. JOB DESCRIPTION: Golden 1 Credit Union offers a personalized experience for interns. Our goal is to give interns a glimpse of what it is like working for a fast-growing, diverse, and exceptional financial institution. Our 8-week internship program will consist of department specific job duties/projects, as well as professional development workshops, networking sessions with G1 leaders, and a team project that will be presented to senior executives. Working with the Business Member Support Department you will: General Focus/Duties: Providing Support: Assist senior staff with various tasks and projects as needed. Reporting: Prepare reports on call center metrics and performance. Member Feedback: Collect and analyze member feedback to help improve services. Training Development: Assist in creating training materials and programs for new hires. Market Research: Conduct research to understand members' needs and market trends. Process Improvement: Identify areas for improvement in call center processes and suggest solutions. Event Coordination: Help organize team-building activities and events for the call center staff. Customer Retention: Work on strategies to retain existing members and improve their satisfaction. Other Duties as assigned. Ideal Candidate Qualifications: Educational Focus: Business, Business Management, Finance, Information Systems. Key Skills and Traits: Communication Skills: Strong verbal and written communication skills. Attention to Detail: Precision in performing tasks and preparing reports. Problem-Solving Abilities: Effective problem-solving skills to identify and suggest improvements. Teamwork: Ability to work well in a team environment. MINIMUM REQUIREMENTS: Must be currently enrolled as a full-time student as defined by the school, organization, or institution. GPA of at least a 3.2. Completed at least 60 semester credit hours by time of application. PROGRAM OVERVIEW AND DETAILS: Intern Program: Intern must be available for the duration of the 8-week program. Work Schedule: Monday through Friday, 8am - 5pm. Golden 1 Credit Union does not provide any form of housing reimbursement or relocation package for interns. LOCATION: Although the positions are generally Hybrid schedule you will be expected to attend some in-person activities at the Golden 1 Headquarters located in Sacramento CA. HOW TO APPLY: Submit completed online application. Once you submit your application, it will be reviewed by the Golden 1 Credit Union Intern Program Manager. You will be contacted directly if your application is selected for further consideration. Only completed applications will be considered. #LI-Hybrid REV. 02/26/2025 Other details Job Family Non-Manager Job Function Non-Manager Pay Type Hourly Employment Indicator Flex/Hybrid Min Hiring Rate $21.00 Max Hiring Rate $21.00

TITLE: CONTACT CENTER MEMBER SERVICE REPRESENTATIVE II STATUS: NON-EXEMPT REPORT TO: MSCC SUPERVISOR DEPARTMENT: MEMBER SERVICE CONTACT CENTER PAY SCALE: $21.50 HOURLY Part-Time Shifts: Mondays - Fridays: 11:05 AM - 3:50 PM 2:00 PM - 6:00 PM Saturdays (Mandatory): 10:00 AM - 2:00 PM GENERAL DESCRIPTION: This Member Service Representative II is an energetic and goal-oriented individual who has a passion for service excellence; providing exceptional service, utilizing effective call handling techniques to create a positive and memorable experience. The MSR II responds accurately to member inquiries by telephone in English and Spanish languages (if certified). The MSR II effectively navigates software applications and simultaneously works on multiple screens while resolving member concerns. 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: Demonstrates advanced Credit Union knowledge, ability to resolve complex issues, digital support, and escalations with minimum guidance. Learn and retain an exceptional working knowledge of products and services. Meet and achieve established performance standards commensurate to grade level, with phone efficiency and quality in a fast-paced environment. Demonstrates understanding of member needs, concerns and or frustrations and respond by demonstrating care, concern, and an appropriate sense of urgency. 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. • Demonstrate superior product knowledge recommending products/services to meet the member's needs. Identify, investigate, and resolve basic and complex 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 efficiently and accurately. Educate members on products in an effort to retain and enhance member loyalty. Maintains ownership with the majority of their calls, requiring minimal guidance from Support. Ability to de-escalate situations, looking from several points of view and applying good judgement and critical thinking to resolve the situation. Assist members with Online /Mobile Banking complex issues and Mobile Wallet set-up. Ability to open Sub shares. Complete Regulatory Training Modules as required. Model Golden 1 core values Integrity, Reliability, Service Excellence, and Inclusion. Perform other duties as assigned. PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASK: Effective oral and written communication skills required to ensure 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 in a contact center environment and/or 2+ years financial services experience. Member relationship building experience preferred, not required. KNOWLEDGE / SKILLS: Strong oral, written and interpersonal communication skills acquired through experience in a Retail setting or through a financial background. Ability to converse, demonstrate sincere concern, and build rapport while resolving 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 with efficiency and quality. Skill testing related to product knowledge. Ability to effectively and efficiently utilize all systems required to resolve member issues related to online banking and mobile wallet troubleshooting. Ability to effectively and efficiently utilize all systems required to open new sub accounts. Ability to demonstrate good decision making and obtaining guidance for situations as needed. Knowledge of intranet/internet. Aptitude for learning a variety of computer systems and using technology to solve member issues. Ability to navigate multiple computer systems, applications, and utilize search tools to find information. 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. *Our Member Service Contact Center team's operating hours are Monday through Friday 7:20am to 6:30pm and Saturday 8:30am to 5:00pm. Schedules are assigned based on business needs and are subject to change. LICENSES / CERTIFICATIONS: None #LI-Remote THIS JOB DESCRIPTION IN NO WAY STATES OR IMPLIES THAT THESE ARE THE ONLY DUTIES TO BE PERFORMED BY THIS EMPLOYEE. HE OR SHE WILL BE REQUIRED TO FOLLOW OTHER

TITLE: DATA PRODUCT MANAGER STATUS: EXMEPT REPORTS TO: DIRECTOR - ENTEPRISE DATA PROGRAM MANAGEMENT DEPARTMENT: CORPORATE STRATEGY PAY SCALE: $111,800.00 - $135,000.00 ANNUALLY GENERAL DESCRIPTION: The Data Product Manager is responsible for the management and development of data products, within one or more domains, that serve as critical data sources for analysts and data scientists throughout the organization. This role utilizes both technical expertise and strong understanding of the business to drive execution of the data product lifecycle, from initial scoping and design through to delivery, ensuring that data products meet the defined use case needs and are in alignment with the Credit Union's overall strategy, adhere to data governance standards, and integrate optimally into the organization's broader data architecture within the data platform. The Data Product Manager has strong project management and communication skills, with experience in data and cross-functional collaboration across technical and non-technical teams and stakeholders. TASKS, DUTIES, FUNCTIONS: Develop and implement a data product strategy for data products within one or more data domains that align with the Credit Union's data needs and strategic priorities Serve as product owner in agile product lifecycle by conducting initial intake with data consumers and business partners, researching pertinent technical and business context, codesigning and scoping with Data Architecture and Data Engineering, prioritizing and sequencing data product backlogs, and facilitating release management of products Partner closely with analyst teams, other data product users, business stakeholders, business leaders, and Corporate Strategy Team to identify and understand business needs, business strategy, and the corresponding proposed reporting and/or analytics solutions to be able to articulate relevant details in user stories and technical requirements that will guide efforts of data engineering teams Manage and prioritize data product backlog(s) by assessing business impact, level of effort, overall feasibility and fit in overall data platform architecture, conferring with Data Architecture Team and other technical teams as needed Conducts research and analysis to align goals with development team and Data Program Management to prioritize user stories and plan sprints to deliver on data product strategy Communicate and coordinate effectively with data product users and stakeholders to set appropriate expectations regarding timelines and deliverables Develop content and curate resources for stakeholders and end-users of data products including but not limited to data dictionaries/catalogs, data lineage, release notes and user guides Provide support in developing and implementing data quality and governance policies, standards and checks to ensure reliability and accuracy in data within data products Serve as data product subject matter expert to determine data requirements for broader organizational projects and initiatives that require a data input or output related to the assigned data product(s) Provide input and context in broader data platform planning regarding products to ensure optimal resource utilization and alignment with organizational priorities Develop relationships, rapport and communication channels with stakeholders to ensure continuous dialog about opportunities to optimize the performance, usability, and value of data product(s) Provide support in the development and management of data-related policies, procedures, and standards Perform additional duties as assigned to support the success of the Enterprise Data Management Program, data governance and the continued evolution of data products within the organization Handle other duties as may be assigned PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASK: Effective oral and written communication skills required to create presentations, prepare reports, write recommendations, execute analysis, and accomplish other product management functions Must possess sufficient manual dexterity to operate standard office equipment, such as personal computer and telephone Reliable with ability to maintain the highest level of integrity and trust ORGANIZATIONAL CONTACTS & RELATIONSHIPS: INTERNAL: All levels of staff and management EXTERNAL: Vendors, other financial institutions, business partners and industry peers. QUALIFICATIONS: EDUCATION: Requires a bachelor's degree in area of specialty (Accounting, Mathematics, Business Administration, Information Technology, or similarly quantitative/analytical degrees). EXPERIENCE: 5+ years of overall professional experience, with 3+ years of experience in product management, data product management, program management, systems analysis, analytics programs, or related fields Hands-on data and analytical experience is highly preferred Experience in the credit union or banking industry highly preferred KNOWLEDGE / SKILLS: Experience managing programs related to data platforms, data products, data governance, analytics programs and/or data strategies Excellent written and verbal communication skills with an ability to summarize complex concepts Familiarity with both Agile and Waterfall methodologies Experience using ServiceNow, Jira, or other work and project management applications a plus General understanding of data systems, data structures, and data analysis including artificial intelligence a plus Basic to intermediate understanding of SQL (Select statements, Joins, and basic queries) and relational database concepts a plus Experience creating reports or dashboards in Tableau, PowerBI or other BI tools a plus Strong presentation and communication skills with ability to visually and verbally convey technical concepts to diverse audiences Interpersonal and relationship-building skills - with an ability to influence Ability to run meetings across diverse functions 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. LICENSES / CERTIFICATIONS: Preferred: Project management certification such as Project Management Professional (PMP) Certification, Agile product management certification such as Certified Scrum Product Owner (CSPO), and/or Program management certification such as Program Management Professional (PgMP) or equivalent. #LI-Hybrid THIS JOB DESCRIPTION IN NO WAY STATES OR IMPLIES THAT THESE ARE THE ONLY DUTIES TO BE PERFORMED BY THIS EMPLOYEE. HE OR SHE WILL BE REQUIRED TO FOLLOW OTHER INSTRUCTIONS AND TO PERFORM OTHER DUTIES REQUESTED BY HIS OR HER SUPERVISOR THAT ARE WITHIN HIS / HER KNOWLEDGE, SKI

TITLE: STAFF INTERNAL AUDITOR I STATUS: EXEMPT REPORT TO: MANAGER - AUDIT SERVICES DEPARTMENT: AUDIT SERVICES PAY SCALE: $68,640.00 - $71,000.00 ANNUALLY GENERAL DESCRIPTION: Assists with operational, financial, information technology, and compliance internal audits and consultations. Seeks to obtain reasonable assurance that entity functional processes have adequate internal controls. Also assists in planning and performance of assigned audits to provide all levels of management and the Supervisory Committee with independent analysis, evaluations and recommendations. TASKS, DUTIES, FUNCTIONS: Assist with risk-based internal audits, branch audits, compliance reviews and consultations in assigned area and prepare draft audit program to ensure appropriate audit coverage of critical activities, under supervision. Perform detailed audit tasks, document the results, and report to management regarding the adequacy of internal controls, under supervision. 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. Identify internal control weaknesses, develop collaborative audit recommendations and draft audit reports, under supervision. Provide independent evaluations of operational and financial controls, policies, and procedures. Perform and coordinate follow-up audits to determine if management has taken action to mitigate risks identified. Prepare work papers, observations and reports following department standards under supervision. Develop client relationships. Participate in fraud and special investigations as necessary. Assist external auditors in their annual review of operations and systems. Ability to travel 20% annually. Travel as necessary to various out-of-town locations. At times, before and after hours travel may be necessary. Perform other functions, as assigned. PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASKS: Frequent use of personal computer to prepare and analyze audit data. Effective oral and written communication skills to complete audit reports and analysis and to make oral presentations to Management and staff. ORGANIZATIONAL CONTACTS & RELATIONSHIPS: INTERNAL: All levels of management and staff, and the Supervisory Committee. EXTERNAL: External auditors, peer groups. QUALIFICATIONS: EDUCATION: Bachelor's degree (BA/BS) in Finance, Business Administration, Accounting, or acceptable equivalent from four-year college or university (or equivalent work experience EXPERIENCE: Up to 2 years of progressive audit experience, or other audit work within a financial institution, or equivalent combination of education and experience. At least 1 years as an internal auditor, or equivalent preferred. Banking, Credit Union, or other Financial Services industry experience desired. KNOWLEDGE/SKILLS: Familiarity with COSO, International Standards of the Professional Practice of Internal Auditing & Practice Advisories, risk-based auditing theory techniques and procedures; accounting theory and methods; management and organizational principles; statistical methods. Strong oral and written communication skills, analytical skills, mathematical aptitude, and interpersonal skills. Familiarity with Teammate+ and Data Analytics desired. Ability to work in a team environment. PHYSICAL REQUIREMENTS Prolonged sitting throughout the workday with occasional mobility required. Ability to travel for business, as needed. Locally and statewide Golden 1 branches and other locations to perform audits. 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. Corrected vision in normal range. Hearing within normal range. A device to enhance hearing will be provided if needed. LICENSES/CERTIFICATIONS: Pursuit of CIA, Certified Internal Systems Auditor, Certified Financial Services Auditor, or equivalent is recommended. #LI-Hybrid THIS JOB DESCRIPTION IN NO WAY STATES OR IMPLIES THAT THESE ARE THE ONLY DUTIES TO BE PERFORMED BY THIS EMPLOYEE. HE OR SHE WILL BE REQUIRED TO FOLLOW OTHER INSTRUCTIONS AND TO PERFORM OTHER DUTIES REQUESTED BY HIS OR HER SUPERVISOR THAT ARE WITHIN HIS / HER KNOWLEDGE, SKILL AND ABILITY AS WELL AS HIS / HER MENTAL AND PHYSICAL ABILITIES.

JOB TITLE: Home Loan Equity Processor DEPARTMENT: Home Loans Operations STATUS: Non - Exempt PAY RANGE: $22.75 - $27.30 Hourly GENERAL DESCRIPTION: Organize and execute processes related to equity loans. Effective pipeline management. Partner with the internal and external Home Loan Advisors to ensure accurate, efficient and timely loan processing. TASKS, DUTIES, FUNCTIONS: Coordinate and communicate information with Member, Home Loan Advisors and vendors for loan transactions. Coordinate the ordering of all title reports and follow up on appraisal orders. Review all documentation received for accuracy and determine if additional research or documentation is required. Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including BSA, RESPA, TILA, TRID and AML laws appropriate to the position.. Review and calculate income, including tax returns and funds verification (assets) from documentation received in accordance with Golden 1's policies/procedures and update the LOS (Loan Origination System) accordingly. Prepare and process equity loans and lines in accordance with internal policies and procedures as well as regulations related to Equity Lending. Review and evaluate credit documentation for compliance with Golden 1's policies. Acquire and maintain knowledge of rules and regulations regarding equity lending. Complete Home Mortgage Disclosure Act (HMDA) information to include auditing information on closed out files to ensure accuracy. Maintain and respond to quality control issues. Perform functions in accordance with Golden 1's performance competency standards. Perform other tasks as assigned. PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASKS: Effective oral and written communication skills required to interact with members and vendor company staff on the telephone, to produce monthly reports, and to perform other clerical functions. Must possess sufficient manual dexterity to skillfully operate standard office equipment, such as financial calculators, personal computer, facsimile machine and telephone. ORGANIZATIONAL CONTACTS & RELATIONSHIPS: INTERNAL: Home Loan staff, Branch staff and various other staff at Corporate Headquarters. EXTERNAL: Title companies, appraisers, members, government agencies and various other vendors. QUALIFICATIONS: EDUCATION: Successful completion of High School curriculum is preferred. Additional work experience may be considered in lieu of a High School diploma. EXPERIENCE: Two years in a financial institution. Mortgage lending experience preferred. . KNOWLEDGE/SKILLS: Maintain knowledge of real estate industry and Golden 1's policies/procedures & guidelines. Strong oral and written communication skills Strong interpersonal skills Strong member relation skills Ability to manage high volume telephone contact Attend training provided through seminars, webinars and weekly coaching as compliance, policies/procedures, or work processes dictate. PHYSICAL REQUIREMENTS: Prolonged sitting throughout the workday with occasional mobility required. Corrected vision within the normal range. Heavy telephone volume. 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. LICENSES/CERTIFICATIONS: None #LI-Remote REV. 1/24/2025 Other details Job Family Non-Manager Job Function Non-Manager Pay Type Hourly Employment Indicator Remote Min Hiring Rate $22.75 Max Hiring Rate $27.30

JOB TITLE:Manager - Consumer Direct Lending REPORTS TO:SrMgr - Consumer Lending DEPARTMENT:Consumer Direct Lending Ops STATUS:EXEMPT PAY RANGE: $122,900.00 - $125,000.00 Annually GENERAL DESCRIPTION: Manage, plan, organize, direct, and control the Direct Lending aspects for the credit union to ensure that the loan origination, underwriting, and funding processes for multiple delivery channels are efficient, compliant, foster quality loan growth, and are completed with high member satisfaction. Manage the Consumer Direct Lending department to ensure that Golden 1's stated credit culture is employed consistently and effectively maintained by directing the underwriting and operations training, development, and quality assurance programs, fostering partnerships with internal departments and branches, external vendors, and strategic partners alike. Develop and maintain extensive and broad-based knowledge of The Golden 1's underwriting and credit risk strategic direction. Maintain awareness of market trends, competitive programs, and regulatory changes. Forge, develop, maintain, and manage productive partnerships with branch and call center teams through developing effective training materials, procedures, and constant communication. Maintain an extensive knowledge of The Golden 1 Credit Union's loan policy, guidelines and the always changing regulatory environment. TASKS, DUTIES, FUNCTIONS: Manage all underwriting activity for multiple delivery channels including but not limited to the branches, call center, and on-line channels. Manage all consumer loan products including but not limited to vehicle secured, unsecured personal, and credit card products. Underwrite complex transactions requiring advanced underwriting skills including, but not limited to, personal and business cash-flow analysis, collateral review and research, and detailed credit risk analysis. Set terms and conditions related to exceptions to policies along with senior management as needed. Direct and counsel underwriters on quality, compliance, and productivity standards of loan decisions, along with loan exceptions associated with consumer lending. 3. Maintain a thorough understanding of state and federal laws and regulations related to credit union lending compliance including bank secrecy, anti-money laundering laws, fair lending compliance and all other lending laws appropriate to the position. Respond to external member and agency correspondence referred by Administration. 4. Foster a positive and engaging work environment for each team member by promoting skill development, coaching for improvement and growth, inspiring others through your words and actions, ensuring positive employee morale throughout Golden 1, and embracing our mission, vision, and core values. 5. Develop and maintain a robust Quality Assurance program to ensure that underwriting is fair and consistent with the credit culture and risk appetite of the Credit Union. The program will include, reviewing automated credit decisions and preparing requested reports for senior management. The Quality Assurance program must assure compliance to state and federal lending laws. 6. Direct and/or counsel Consumer Direct Underwriting staff in conjunction with their underwriting functions and knowledge of Credit Union policies and procedures. Measure and assess underwriting performance as well as staff performance relative to adherence with the Credit Union's stated credit culture. Recommend and develop enhancements to business models to meet strategic goals. 7. Analyze, develop, and implement, approved lending projects, products, and department processes to maintain overall competitiveness. Monitor consumer lending rates and business trends to identify loan growth strategies. 8. Maintain a current working knowledge of all consumer loan policies and procedures, as well as credit scoring, credit reporting, risk scores, and lending origination systems. 9. Develop, deliver, and manage the consumer direct underwriting training and certification program along with the Lending Management Team. Communicate strategies that are focused on the delivery of key business goals. Facilitate formal “classroom” training, on-the-job training, and provide on-going development training through seminars and individual counseling. 10. Act as a liaison on consumer direct underwriting concerns with Retail Delivery Management and the Credit Risk department. Identify, investigate, and respond to requests for information from senior management or the Credit Risk department regarding loan action, policy, and discrepancies. 11. Organize and prepare monthly and quarterly credit and direct business review, underwriting and funding performance reports for senior management as needed. Make presentations on credit quality and business development findings and recommend action plans for improvements as necessary. 12. Collaborate with the Vice President of Consumer Lending and the Credit Risk Manager to identify research, validate, implement, and evaluate opportunities to enhance our programs for both loan growth and safety & soundness. 13. Responsible for: All Accounting duties within the department. Maintaining the Business Continuity Plan. Serve as a member of the Dealer Review and Appeals & Review Committees. Conduct periodic reviews of the consumer loan portfolio performance and provide updates to the Credit Manager and Vice President of Consumer Lending with recommendations of next steps when performance issues are present. The portfolio review will also be reviewed at all delivery levels. Validating, testing, and implementing system and loan product enhancements. Serving as the acting manager when business-line managers are unavailable. Interacting with Internal Audit staff to control loan action and compliance to policies and state/federal regulations. Organizing, planning, and implementing promotional campaigns related to consumer loan growth as approved by senior management. Collaborating with the Retail Delivery, Member Service Call Center, and Training teams to ensure branch and call center staff are knowledgeable in consumer loan products and processes. Working directly with the Consumer Loan Business Analyst to evaluate reports and identify trends in the direct consumer lending applications and portfolio. 16. Perform other assignments and duties as requested. 17. Develop and maintain an understanding of the pertinent regulatory requirements and risks inherent to job responsibilities, establish, and maintain control activities that mitigate those risks consistent with the Credit Union's risk appetite, and ensure operational integrity and compliance with applicable regulations. PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASKS: Effective oral and written communication skills are required to train and evaluate staff, develop relationships with internal and external business partners, prepare reports, and to perform constructive follow-up on member concerns and loan inquires. 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. Exceptional analytical skills and the ability to apply sound reasoning and judgment while making decisions in a time sensitive, production driven environment is required. ORGANIZATIONAL CONTACTS & RELATIONSHIPS: INTERNAL: Management group and all levels of staff including the Audit department, Credit Manager and Board of Directors. EXTERNAL: Members and peers in financial institutions, dealerships, auditors, and vendors. QUALIFICATIONS: EDUCATION: Bachelor's Degree in related field or equivalent work experience. EXPERIENCE: A minimum of five years of progressive consumer loan underwriting responsibilities within a financial institution, and at least two years supervisory experience. KNOWLEDGE/SKILLS: Demonstrated leadership, analytical, and decision-making abilities. High level of customer service. Proven management skills. In-depth knowledge of federal and statutory requirements, as well as Golden 1 policies and procedures. Exceptional interpersonal and group dynamic skills. Team player with supervisory and training skills. Personal computer skills and knowledge/ability to operate loan origination and underwriting software. 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. Ability to travel for business, as needed to develop relationships, attend off-site meetings or events, and other credit union business as necessary. Unusually long work hours may be required to accomplish tasks.

TITLE: MGR - CONSUMER LOAN FULFILLMENT STATUS: EXEMPT REPORTS TO: SRMGR - DIRECT LENDING DEPARTMENT: CONSUMER DIRECT LENDING OPS PAY RANGE: $122,900.00 - $125,000.00 ANNUALLY GENERAL DESCRIPTION: The Consumer Loan Fulfillment Manager is responsible for managing, planning, organizing, and directing the Direct Lending team with vision and strategic focus on Golden 1's goals and objectives. Responsible for loan origination, underwriting, and the funding processes for multiple delivery channels in an efficient, compliant manner that fosters quality loan growth, with high member satisfaction. Manage the Consumer Loan Fulfillment department to ensure that Golden 1's stated credit culture is employed consistently and effectively maintained by directing the operations training, development, and quality assurance programs; fostering partnerships with internal departments and branches, external vendors, and strategic partners alike; and collaborating on credit risk or underwriting activities. TASKS, DUTIES, FUNCTIONS: Underwrite complex transactions requiring advanced underwriting skills including, but not limited to, personal and business cash-flow and income tax analysis, collateral review and research, and detailed credit risk analysis. Recommend terms and conditions related to policy exceptions. Direct and counsel Direct Lending staff on quality, compliance, and productivity standards of loan decisions and fulfillment, along with loan exceptions associated with consumer lending. Measure and assess operational performance as well as staff performance relative to adherence with credit union strategic goals and core values. Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy, anti-money laundering laws, fair lending compliance and all other lending laws appropriate to the position. Respond to external member and agency correspondence referred by Administration. Foster a positive and engaging work environment for each team member by promoting skill development, coaching for improvement and growth, inspiring others through your words and actions, ensuring positive employee morale throughout Golden 1, and embracing our mission, vision, and core values. Develop and maintain a robust Quality Assurance Program to ensure that all consumer lending practices are fair and consistent with the credit culture and risk appetite of the Credit Union. Direct and/or counsel Consumer Loan Fulfillment staff in conjunction with their processing and funding operations and overall knowledge of Credit Union policies and procedures. Measure and assess fulfillment performance and service, as well as staff performance relative to adherence with the Credit Union's stated credit culture. Analyze, develop, and implement, approved lending projects, products, and department processes to maintain overall competitiveness. Monitor consumer lending rates and business trends to identify loan growth strategies. Maintain a current working knowledge of all consumer loan policies and procedures, as well as credit scoring, credit reporting, risk scores, and lending originations systems. Develop, deliver, and manage the consumer loan fulfillment training and certification program along with the Lending Management Team. Communicate strategies that are focused on the delivery of key business goals. Facilitate formal “classroom” training, on-the-job training, and provide on-going development of training through seminars and individual counseling. Act as liaison on consumer direct lending concerns with Retail Delivery Management and the Credit Risk department. Identify, investigate, and respond to requests for information from senior management or the Credit Risk department regarding loan action, policy, and loan discrepancies. Organize and prepare monthly and quarterly direct lending business review and underwriting and funding performance reports for senior management as needed. Make presentations on consumer loan quality and business development findings and recommend action plans for improvements as necessary. Collaborate with the Vice President of Consumer Lending and the Credit Risk Manager to identify research, validate, implement, and evaluate opportunities to enhance our programs for both loan growth and safety & soundness. Responsible for: All Accounting duties within the department. Maintaining the Business Continuity Plan. Validating, testing, and implementing system and loan product enhancements. Serving as the acting manager when other lending business-line managers are unavailable. Interacting with Internal Audit staff to control loan action and compliance to policies and state/federal regulations. Organizing, planning, and implementing promotional campaigns related to consumer loan growth as approved by senior management. Collaborating with Retail Delivery, Member Service Call Center, and Training teams to ensure branch and call center staff are knowledgeable in consumer loan products and processes. Working directly with the Consumer Loan Business Analyst to evaluate reports and identify trends in the direct consumer lending applications and portfolio. Collaborate with the Lending Management team and Marketing department to identify, research, and implement new products, program guidelines, new products, and consumer loan promotions. Perform other assignments and duties as required. Develop and maintain an understanding of the pertinent regulatory requirements and risks inherent to job responsibilities, establish, and maintain control activities that mitigate those risks consistent with the Credit Union's risk appetite, and ensure operational integrity and compliance with applicable regulations. PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASKS: Effective oral and written communication skills are required to train and evaluate staff, develop relationships with internal and external business partners, prepare and present reports, and to perform constructive follow-up on member concerns and loan inquiries. Must possess sufficient manual dexterity to skillfully operate an on-line computer terminal and other standard office equipment, adding machine, personal computer, facsimile machine, and telephone. Exceptional analytical skills and the ability to apply sound judgment while rendering decisions in a time-sensitive, production-driven environment is required. Core supervisory and leadership skills are required. A thorough understanding of consumer credit underwriting is required. ORGANIZATIONAL CONTACTS & RELATIONSHIPS: INTERNAL: Management group and all levels of staff including the Internal Audit department, Credit Manager, and Board of Directors. EXTERNAL: Members and peers in financial institutions, dealerships, and vendors. QUALIFICATIONS: EDUCATION: Bachelor's Degree in related field or equivalent work experience. EXPERIENCE: A minimum of seven years of progressively responsible consumer lending experience within a financial institution and two years supervisory experience. KNOWLEDGE/SKILLS: Demonstrated leadership, analytical, and decision-making abilities. High level of customer service. Proven management skills. In-depth knowledge of federal and statutory requirements, as well as Golden 1 policies and procedures. Exceptional interpersonal and group dynamic 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. Occasional movements throughout the department daily to interact with staff, accomplish tasks, etc. Ability to travel for business, as needed to develop relationships, attend off-site meetings or events, and other credit union business as necessary. Unusually long work hours may be required to accomplish tasks. LICENSES/CERTIFICATIONS: None #LI-Hybrid THIS JOB DESCRIPTION IN NO WAY STATES OR IMPLIES THAT THESE ARE THE ONLY DUTIES TO BE PERFORMED BY THIS EMPLOYEE. HE OR SHE WILL BE REQUIRED TO FOLLOW OTHER INSTRUCTIONS AND TO PERFORM OTHER DUTIES REQUESTED BY HIS OR HER SUPERVISOR THAT ARE WITHIN HIS / HER KNOWLEDGE, SKILL AND ABILITY AS WELL AS HIS / HER MENTAL AND PHYSICAL ABILITIES. REV. 01/01/2025 Other details Job Family Manager Job Function Manager Pay Type