Careers

Starting a career with Siskiyou Credit Union means, you get to help others in our community achieve their life goals and be a part of making their dreams a reality. It’s a career that serves others… a career that makes you a better leader, team player, and overall professional. At SCU we know that our team is our biggest asset. We offer great benefits, an enjoyable work environment, and opportunities for growth.

Here’s how to get your resume to us:

By mail:
PO Box 1125, Yreka CA 96097

By E-Mail:
spetricevic@siskiyoucu.org

Drop Off:
1420 Fairlane Road, Yreka CA 96097

For more i‚Äčnformation: 530-842-1694

Open Positions

Summary:  To control/collect on past due Consumer Loan and Credit Card accounts for all stages of delinquency, in accordance with all government and SCCU rules and regulations. Provide member financial counseling and mitigate loss for SCCU. Provide guidance/advice to less experienced staff. Work independently.

Confidentiality:  Ability to maintain confidentiality.

Professional Appearance:  Able to dress appropriately & professionally for the position.

Punctuality & Attendance:  Able to arrive at and remain on the job as the position requires.

Team-Oriented Worker: Ability to get along with other people. Able to keep an open mind while taking into consideration the opinions of others, ability to effectively communicate with coworkers and work as a team player.

Innovativeness:  Ability to help develop new ideas and ways to improve own area of responsibility.

Self-Improvement:  Ability to quickly learn new skills and information that will help service the needs of the position more effectively.

Accuracy & Volume of work:  Able to develop procedures that effectively address the duties and responsibilities listed below.

Specific Requirements

  1. Ability to manage multiple tasks simultaneously.
  2. Ability to effectively communicate in writing and orally.
  3. Ability to keep Supervisor informed in a timely manner.
  4. Ability to track and provide a status of all projects to Supervisor

Essential Functions Include but are not limited to:

  • Contact delinquent members in an attempt to cure delinquency utilizing all payment options and loss mitigation tools offered by SCU.
  • Obtain detailed financial information from delinquent members and analyze information gathered to determine optimal solutions for curing delinquency.
  • Notify co-signers regarding status of delinquent accounts.
  • Notate in Collection systems members’ arrangements, reason(s) for delinquency, and any offered charge-off alternatives.
  • Maintain working knowledge of federal and state consumer protection laws (Unfair, Deceptive, or Abusive Acts or Practices; Fair Debt Collection Practices Act; Fair Credit Reporting Act; Servicemembers Civil Relief Act, etc.)
  • Manage complex specialized collections account caseloads.
  • Process litigation packages
  • Offer short/long term solutions including repayment plans, promises-to-pay, loan modifications, refinances, personal finance management, and deferral programs
  • Determine when loan collateral should be repossessed, and serve as liaison with attorneys for agencies in handling repossession of collateral.
  • Resolve issues related to settlements, bankruptcy or charge-off actions.
  • Explain and communicate relinquishing options such as settlements.
  • Investigate and correct discrepancies in loan applications and credit reports.
  • Maintain awareness of changes in regulatory requirements and practices.
  • Ensure required notifications, including collection emails, letters, and any applicable state/regulatory letters, are sent timely to members.
  • Provide required reporting to supervisor, as well as specialized reports to SCU management (including daily in-house, activity trends, and payment tracking).
  • Serve as mentor/trainer and provide guidance and assistance to team members.
  • Use online tools and contact appropriate parties.
  • Perform other related duties as assigned or appropriate.
  • Keep informed of current trends in the industry and changes in regulations and policies and complete annual compliance training.

Qualifications

  • Knowledge of Consumer/Credit Card collections services, concepts, practices and procedures.
  • Extensive experience in assimilating information, analyzing facts, and developing logical Conclusions.
  • Advanced knowledge of Consumer/Credit Card collection servicing accounts.
  • Advanced knowledge of bankruptcy, settlements, default reporting, repossession, loss mitigation and charge-off.
  • Advanced skill in researching accounts, public records, internet, and other resources to identify means of contacting delinquent members.
  • Advanced knowledge of federal and state consumer protection laws (Unfair, Deceptive, or Abusive Acts or Practices; Fair Debt Collection Practices Act; Fair Credit Reporting Act; Servicemembers Civil Relief Act; etc.)
  • Advanced planning, organizational, and time management skills.
  • Ability to work well under pressure; meet multiple and sometimes competing deadlines.
  • Effective research, analytical and problem-solving skills.
  • Effective verbal and written communication skills.
  • Effective skill exercising initiative and using good judgment to make sound decisions.
  • Advanced skill following, interpreting, and applying relevant data/instructions to guidelines, procedures, practices and regulations.

Work Environment

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

  • Primarily in-door office work with quiet to moderate noise level.
  • Occasional work outside the office.
  • Occasional out-of-town and overnight travel required.
  • Occasional evening and weekend schedules required.

Physical demands

  • Occasionally lift and/or move up to 20 pounds.
  • Specific vision abilities required by this job include close vision.
  • Regularly required to sit; use hands to finger, handle, or feel and talk or hear.
  • Frequently required to reach with hands and arms.
  • Occasionally required to stand; walk; climb or balance and stoop, kneel, crouch, or crawl.

Acknowledgment

The above job description is not intended to be an all-inclusive list of duties and standards of the position. Incumbents will follow any other instructions, and perform any other related duties, as assigned by their supervisor.

Apply Today

  • Summary: Perform the necessary functions of the loan application process; Interviewing, underwriting, approval/denial and processing. Assisting with operations of the Lending Department in order to help meet the goals of the credit union and to meet member needs. Provide quality service to members and dealerships. Represent the Credit Union in a professional manner.
  • Confidentiality:  Ability to maintain confidentiality
  • Professional Appearance:  Able to dress appropriately & professionally for the position.
  • Punctuality & Attendance:  Able to arrive at and remain on the job as the position requires.
  • Team-Oriented Worker: Ability to get along with other people. Able to keep an open mind while taking into consideration the opinions of others, ability to effectively communicate with coworkers and work as a team player.
  • Innovativeness:  Ability to help develop new ideas and ways to improve own area of responsibility.
  • Self-Improvement:  Ability to quickly learn new skills and information that will help service the needs of the position more effectively.
  • Accuracy & Volume of work:  Able to develop procedures that effectively address the duties and responsibilities listed below.

Specific Requirements

  1. Ability to manage multiple tasks simultaneously.
  2. Ability to effectively communicate in writing and orally.
  3. Ability to keep Supervisor informed in a timely manner.
  4. Ability to track and provide a status of all projects to Supervisor.

Essential Functions Include but are not limited to:

  • Negotiates underwriting terms and makes lending decisions on dealership submitted credit applications in accordance to SCU lending guidelines and policies.
  • Establishes and maintains mutually beneficial lending channels with vendors and merchants participating in our Automotive Indirect Lending Program
  • Maintains and expands a quality loan portfolio as outlined in the SCU loan policy and guidelines.
  • Provides top quality and consistent credit decisions between the lending platforms by coordinating with Lending Manager.
  • Interviews applicants to determine their loan needs, earnings, and financial condition
  • Obtains credit and background information on loan applicants.
  • Prepare all necessary documents for approved loans.
  • Prepare denial forms for all loans that are declined.
  • Complete all phases of DMV work, including securing liens and titles and filing.
  • Ensure that loans are processed accurately, making sure each one is properly documented, closed, disbursed, coordinated and filed.
  • Disburse proceeds on approved loans, making sure the member is familiar with all terms, conditions, and collateral held on the note and disclosure.
  • Process loan extensions, modifications and rewrites.
  • Provide payoff quotes to member.
  • Process paid loan documents and paper title release.
  • Research accounts for deposit, withdrawal, and loan-payment discrepancies.
  • Handle corrections and changes internally as well as through the credit bureau.
  • Have up-to-date and comprehensive knowledge on all credit union products and services and on all related policies and procedures, rules and regulations. 
  • Recommends changes to lending policies and procedures.
  • Promote credit union products and services based on member needs that are obtained from member interviews and/or review of member’ account. Actively cross-sell lending and other credit union products.
  • Demonstrates the ability to work well under pressure; meet multiple and sometimes competing deadlines and at all times demonstrate cooperative behavior with colleagues and supervisors.

Other Requirements:

  • Excellent Verbal and written communication skills
  • Analytical abilities -- the ability to identify problems, analyze the root cause, and formulate alternatives for their resolution.
  • Sense of urgency, mindfulness of deadlines.
  • Commitment to improving and streamlining work processes.
  • Confidentiality, professionalism, and discretion.
  • Maintains regular attendance.
  • Other duties as assigned.

Education and Experience:

  • Knowledge of credit fundamentals, skill in analyzing financial information and making credit decision is required. With a combination of training, experience would normally be acquired through a minimum of two to three years at the Credit Union or five to six years within the financial industry.
  • Ability to communicate effectively with members and staff.
  • Knowledge of deposit accounts and all credit union services & products.

Work Environment:

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

  • Primarily in-door office work with quiet to moderate noise level.
  • Occasional work outside the office.
  • Occasional out-of-town and overnight travel required.
  • Occasional evening and weekend schedules required.

Physical demands

  • Occasionally lift and/or move up to 20 pounds.
  • Specific vision abilities required by this job include close vision.
  • Regularly required to sit; use hands to finger, handle, or feel and talk or hear.
  • Frequently required to reach with hands and arms.
  • Occasionally required to stand; walk; climb or balance and stoop, kneel, crouch, or crawl.

Acknowledgment

The above job description is not intended to be an all-inclusive list of duties and standards of the position. Incumbents will follow any other instructions, and perform any other related duties, as assigned by their supervisor.

Apply Today

Call Center Representative


Summary:  Answering the phones and member services, with some floating to other positions as needed.  This position will serve as a liaison between the member and the credit union.  Responsible for providing account information and professionally handling members’ daily credit union needs.  Will provide a variety of transaction services to members.

Confidentiality: Ability to maintain confidentiality.

Professional Appearance: Able to dress appropriately & professionally for the position.

Punctuality & Attendance: Able to arrive at and remain on the job as the position requires.

Team-Oriented Worker: Ability to get along with other people. Able to keep an open mind while taking into consideration the opinions of others, ability to effectively communicate with coworkers and work as a team player.

Innovativeness: Ability to help develop new ideas and ways to improve own area of responsibility.

Self-Improvement: Ability to quickly learn new skills and information that will help service the needs of the position more effectively.

Accuracy & Volume of work: Able to develop procedures that effectively address the duties and responsibilities listed below.

Specific Requirements

1. Ability to manage multiple tasks simultaneously.

2. Ability to effectively communicate in writing and orally.

3. Ability to keep Supervisor informed in a timely manner.

4. Ability to track and provide a status of all projects to Supervisor.


Essential Functions Include but are not limited to:

• Represent the credit union to members in a courteous and professional manner and provide prompt, efficient and accurate service in the processing of transactions.
• Perform routine transactions via phone, Internet banking, Live Chat or texting, including but not limited to opening accounts, issuing temporary checks and ATM cards, withdrawals, loan payments, and transfers.
• Provide in person, by internet, and by telephone, general and specific service-related information concerning credit union products, services and policies.
• Respond to members’ requests, problems, and complaints, and/or direct them to the proper person for specific information and assistance.
• Service existing accounts.
• Provide members with all necessary information for membership; conduct an overview of credit union services and programs with each new credit union member.
• Handle requests from members for transfers of shares to loan payments, share
withdrawals, check requests, line of credit advances and any other request received from members.
• Cross selling appropriate products and services that fulfill the needs of our members.
• Research accounts for deposit, withdrawal and loan payment discrepancies.
• Research and resolve member account problems and assist members in balancing their accounts as needed.
• Assist members with the proper completion of payroll deduction and direct deposit forms.
• Issue credit union checks as needed.
• Sort and file member information as needed.
• Open mail in dual custody and distribute.
• Open and process ATM deposits from Loomis in dual custody.

Work Environment: Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Primarily in-door office work with quiet to moderate noise level.
• Occasional work outside the office.
• Occasional out-of-town and overnight travel required.
• Occasional evening and weekend schedules required.

Physical demands

• Occasionally lift and/or move up to 20 pounds.
• Specific vision abilities required by this job include close vision.
• Regularly required to sit; use hands to finger, handle, or feel and talk or hear.
• Frequently required to reach with hands and arms.
• Occasionally required to stand; walk; climb or balance and stoop, kneel, crouch, or crawl.

Acknowledgment
The above job description is not intended to be an all-inclusive list of duties and standards of the position. Incumbents will follow any other instructions, and perform any other related duties, as assigned by their supervisor.

Apply Today

Conducts a variety of accurate financial transactions.  Provides a high level of member service by keeping credit union knowledge current, cross–selling members and prospects into credit union products and services. Answers member inquiries.

Confidentiality: Ability to maintain confidentiality.

Professional Appearance: Able to dress appropriately & professionally for the position.

Punctuality & Attendance: Able to arrive at and remain on the job as the position requires.

Team-Oriented Worker: Ability to get along with other people. Able to keep an open mind while taking into consideration the opinions of others, ability to effectively communicate with coworkers and work as a team player.

Innovativeness: Ability to help develop new ideas and ways to improve own area of responsibility.

Self-Improvement: Ability to quickly learn new skills and information that will help service the needs of the position more effectively.

Accuracy & Volume of work: Able to develop procedures that effectively address the duties and responsibilities listed below.

Specific Requirements

1. Ability to manage multiple tasks simultaneously.

2. Ability to effectively communicate in writing and orally.

3. Ability to keep Supervisor informed in a timely manner.

4. Ability to track and provide a status of all projects to Supervisor.

Essential Functions Include but are not limited to:

• Greets members with a smile, makes eye contact, calls members by name, offers further assistance, and “thanks for the business”.
• Receives checks and pays out money and examines checks for endorsements within assigned approval limits.
• Obtains approvals as required.
• Enters members’ transactions into computer to record transactions in an accurate and expedient manner.
• Maintain a satisfactory balancing record.
• Balances currency, coin and checks at the end of a shift within 30 minutes and compares totaled amounts with data displayed on computer. 
• Knows and follows policy and procedures related to job tasks.
• Utilizes procedure manuals as appropriate.
• Maintains a comprehensive knowledge of SCU products and services.
• Participates in branch and corporate-wide promotions to achieve our Strategic Deposit and Loan Goals.
• Projects a positive image of the credit union by providing quality service to internal and external members.
• Works with all departments to ensure consistent delivery of quality service.
• Provides service to new existing members by opening new share and sub share and share draft “checking” accounts.
• Issuing ATM cards, direct deposit, and ordering checks as applicable.

Work Environment: Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Primarily in-door office work with quiet to moderate noise level.
• Occasional work outside the office.
• Occasional out-of-town and overnight travel required.
• Occasional evening and weekend schedules required.

Physical demands

• Occasionally lift and/or move up to 20 pounds.
• Specific vision abilities required by this job include close vision.
• Regularly required to sit; use hands to finger, handle, or feel and talk or hear.
• Frequently required to reach with hands and arms.
• Occasionally required to stand; walk; climb or balance and stoop, kneel, crouch, or crawl.

Apply Today