Municipal Credit Union

Role Description Full stack developer with a passion for driving enhancements on financial applications that changes the lives of end users and members. This is a key role that specializes in writing code, cognizant of software governance and architecture, tracks down bugs, creates integration with ancillary applications, and is a key player in the software development cycle. - Build, consume, document, and integrate APIs in a development, test and production environment supporting the Credit Union’s Software Platform (on premise and cloud). - Development of Widgets and Micro services for Online banking SDK Development. - Development of functional databases, applications, and servers to support websites on the back end. - Participate in agile ceremonies. - Follow requirements to create solutions. - Assists with documentation of code and development processes. - Development of applications on web-based platforms. - Development of application using Latest AI technologies is desirable. - Familiar in latest software development technology. - Familiar in project source control technology. - Knowledge of security and encryption protocols. - Follow standardized methods and procedures used for efficient and prompt handling of all development requests. - Adhere to all regulatory compliance training inclusive of BSA/AML/OFAC and overall BSA/AML/OFAC compliance. - Participate in monthly on-call rotation. - Perform other related duties as requested and special projects as assigned. - Written and verbal communication skills. - Ability to communicate with other members of the team. Qualifications - Understanding of .NET architecture and object-oriented programming with C# or VB.NET. - Desired understanding of XML/XSLT, SOAP and Web Services. - Familiarity with Web Technologies such as ASP.NET, CSS, and HTML. - Understanding of how to use client-side scripting like JavaScript or jQuery. - Knowledge of SQL, a plus is Microsoft SQL Server and SSIS packages. - Experience using IDEs for productivity. - Awareness of what RESTful APIs are and their purpose. - Symitar: Awareness of PowerOn, OpCon, SymXchange, SymConnect, and ARCU. Requirements - Results: We are passionate about winning. - Agility: We proactively anticipate, respond and pivot to ensure MCU wins. - Integrity: We operate with the highest ethical standards and highest degree of honesty. - Belonging: We cultivate a culture of inclusion and teamwork. - Ownership: We take personal responsibility and hold ourselves accountable for the results. Benefits - The pay range for this position is between $81,700-134,730 annually. - Actual base pay offered may vary depending on a number of factors such as job-related knowledge, skills, experience, and location. - Employees in this position may also be eligible for a discretionary bonus. - 401(k) with a 6% employer match per pay period. - Benefits for this position include Medical, vision, dental, life, and disability insurance. - Flexible paid time off and 11 paid holidays annually. Company Description Municipal Credit Union (MCU) is an Equal Opportunity Employer. MCU provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by applicable federal, state or local laws. We are committed to hiring, training, cultivating, promoting, and celebrating an environment where we have a welcoming and fulfilling place for all people to call home. Diversity of race, thought, sexual orientation, age, veteran status, religion, and disability will empower us to thrive as individuals, as teams, and as an organization.

• Integrate data sets from various source systems into unified formats • Perform ELT (Extract, Load, Transform) operations • Cleanse and transform data by applying business rules • Conduct data cleansing and validation • Monitor and troubleshoot data issues • Create and maintain conceptual, logical, and physical data models • Build and maintain data pipelines • Load processed data into analytical data stores • Monitor the performance and quality of data transfers • Integrate test suites into CI/CD pipelines • Optimize data flows for efficiency, scalability, and reliability • Collaborate with team members to gather requirements

• Assist the Mortgage Sales Team with member applications, appointment scheduling, member documentation, reporting, and referral/lead tracking • Respond to telephone calls and emails directed to the Mortgage team and assist with general inquiries related to approval process, mortgage statuses and loan programs • Manage the mortgage application process ensuring compliance with MCU and third-party loan policies • Build lifetime quality financial relationships with each member by providing competitive products and excellent service • Prepare daily, weekly, and monthly sales tracking and member satisfaction survey reports using Microsoft Excel and internal reports

Role Description This position is responsible for converting self-sourced leads optioned from networking and referrals from centers of influence (COI). In addition to self-sourced referrals, this position will be responsible for converting leads that are referred by other MCU lines of business. This position is responsible for converting self-sourced leads received from outside referrals and at the branch into loans by promoting the credit unions’ real estate and consumer lending products, services, and programs. Interview members and prospects to obtain relevant information and evaluate applicants' financial status, review credit history, debt-to-income ratio, and appraisal reports, to determine and recommend an appropriate loan product. Ensure compliance with MCU loan policy, federal, state and NCUA rules, regulations and laws. Responsibilities - Pre-qualify prospective borrowers, prepare preliminary Loan Estimate (LE), initial disclosures, amended disclosures and Rate Lock agreement in compliance with RESPA. - Review the sales contract, income, assets and debt information to ensure applicants meet MCU’s minimum standard guidelines. - Manage pipeline and issue prequalification certificates. - Counsels members on the reasons for denial and advises how to improve their financial position and credit score. - Works with branch personnel to promote lending referrals and be a subject matter expert. - Understands and demonstrates expert knowledge of products and services offered at Municipal Credit Union. - Leverages relationship building skills to broaden the MCU membership, establish and maintain a network of realtors and attorneys that will provide referrals. - Provide product education to membership through seminars and Business Development visits. - Identify opportunities to offer additional products and services. - Be the subject matter expert on policies and procedures. - Recommend and develop efficiencies across the department. - Participate in ongoing training and development approved by HR and Management. - Adhere to all regulatory compliance training inclusive of BSA/AML/OFAC and overall BSA/AML/OFAC compliance. - Perform other duties as required. - Travel is required. Qualifications - College degree preferred or equivalent work experience. - Minimum 2 years in experience in real estate lending. - Ability to perform in a high-volume environment and meet deadlines while maintaining exceptional attention to detail. - Technologically proficient. - NMLS will be required. Competencies - Excellent organizational, verbal and written communication skills. - High achiever and self-starter. - Is a team player and understands the role of meeting goals, both team and individual. - Keenly aware of personal, team, departmental and company-wide goals and is able to prioritize work to achieve funding goals. - Demonstrates the ability to excel in a high stress environment and is able to meet goals and deadlines. - Demonstrates persistence and overcomes obstacles to maintain above average closing ratios. - Demonstrates an unsurpassed commitment to exceptional member service that ensures a world class experience for each member. - Views situations from the member’s perspective to effectively respond to their needs and concerns; often going beyond the initial need or expressed concern of the member. - Follows up to make sure the member’s expectations have been met or exceeded. - Explains recommendations, products and services in ways members can easily understand. - Demonstrates patience, respect and empathy when dealing with difficult members or their complaints. - A motivated self-starter who measures self against standards of excellence. - Actively and consistently seeks qualified opportunities to increase loan volume and residual product penetration. - Takes calculated risks to accomplish goals. - Actively supports member education events and seminars. - Demonstrates responsibility for providing timely and accurate information, responses and decisions to internal and external members. - Accurately and efficiently performs transactions and member requests. - Willingly accepts and embraces constructive coaching and feedback as needed. - Assesses own strengths and weaknesses. - Schedules time off in advance and avoids unscheduled absences. - Persuasive and confident. - Uses clear and simple language to communicate information and decisions to internal and external members. - Demonstrates sensitivity to cultural and gender differences. - Demonstrates the ability to use technology to effectively and efficiently perform job functions. - Has good working knowledge of the following applications: MS Outlook, MS Excel, MS Word, Meridian Link and all applicable applications. - Actively participates in and completes all ongoing required loan and sales training. - Willingly adapts to changes in work environment. Benefits - Pay for this position is between $35,500 annually plus commissions. - Actual base pay offered may vary depending on a number of factors such as job-related knowledge, skills, experience, and location. - Employees in this position may also be eligible for a discretionary bonus. - 401(k) with a 6% employer match per pay period. - Medical, vision, dental, life, and disability insurance. - Flexible paid time off. - 11 paid holidays annually.

• Build, consume, document, and integrate APIs in a development, test and production environment supporting the Credit Union’s Software Platform (on premise and cloud) • Development of Widgets and Micro services for Online banking SDK Development • Development of functional databases, applications, and servers to support websites on the back end • Participate in agile ceremonies • Follow requirements to create solutions • Assists with documentation of code and development processes • Development of applications on web-based platforms • Development of application using Latest AI technologies is desirable • Familiar in latest software development technology • Familiar in project source control technology • Knowledge of security and encryption protocols • Follow standardized methods and procedures used for efficient and prompt handling of all development requests • Adhere to all regulatory compliance training inclusive of BSA/AML/OFAC and overall BSA/AML/OFAC compliance • Participate in monthly on-call rotation • Perform other related duties as requested and special projects as assigned • Written and verbal communication skills • Ability to communicate with other members of the team

• Perform routine and recurring data entry in support of ERM activities, ensuring accuracy and completeness • Maintain and organize the ERM document repository, including files, templates, and supporting documentation • Support the administration and upkeep of ERM tracking tools, including Smartsheets, spreadsheets, and internal systems • Assist with updates to risk registers, assessments, and supporting materials as directed by ERM leadership • Conduct quality checks to identify missing, incomplete, or inconsistent information and escalate issues as needed • Ensure documentation follows established naming conventions, version control, and retention standards • Coordinate with internal stakeholders to collect and track required ERM information • Assist with preparation of basic reports, summaries, and status updates using Microsoft Office tools • Support periodic ERM cycles and initiatives through administrative and operational tasks • Maintain confidentiality of sensitive and non-public information • Perform other related duties as requested and special projects as assigned.

• Design, build, and deploy solutions to enhance member and employee experience. • Develop clustered, reliable, scalable, and high-performance applications. • Build, consume, document, and integrate APIs. • Develop functional databases, applications, and servers for online banking. • Participate in agile ceremonies. • Follow requirements to create solutions. • Assist with documentation of code and development processes. • Lead collaboration with stakeholders to gather requirements, develop specifications, and document program code. • Ensure and optimize standardized methods and procedures for development requests. • Support the team in a high-volume environment to meet deadlines.

• Lead the design, automation, and delivery of monthly and ad-hoc reporting on product performance, revenue, cost metrics, and member behavior, enabling senior leadership to make time, strategic decisions • Integrate and validate data from multiple internal and external systems, ensuring accuracy and constancy for enterprise reporting, strategic planning, and compliance • Liaise directly with stakeholders to resolve data integrity issues and enhance reporting quality • Develop automated reports and automate current routine reports to improve efficiency • Assist with various product related initiatives including but not limited to pricing analysis, collateral material, product dashboard, etc. • Support key product launch and implementation • Conduct market and competitive research to identify opportunity alongside Product Managers • Conduct member research to identify key member pain points • Provide accurate ad hoc reporting when requested by business line and product management stakeholders • Collaborate with business development to analyze member and market data providing insights and strategic recommendations that support organizational growth goals • Partner with marketing to evaluate and optimize campaign performance, leveraging product and member data to improve targeting, conversion, and ROI • Onboard, train, and provide ongoing guidance for analysts ensuring the consistency in analytics processes, data interpretation, and reporting standards • Serve as a cross-functional analytics resource for initiatives that span across the marketing division • Perform other related duties as requested and special projects as assigned.

Role Description The Inside Mortgage Loan Officer is responsible for converting inbound leads, outbound leads, and referrals. Lead sources include digital, telephone, appointments, and referrals from the branch network. Focus is to convert these opportunities into full loan applications by promoting the credit union’s lending products, services, and programs. Additionally, they are responsible for generating sales through outbound calling with primary focus on current MCU members and prospects. Position is responsible to interview members, obtain relevant information, evaluate applicants' financial status, review loan application, credit history, income, and collateral information, to determine and recommend an appropriate loan product. Ensure compliance with MCU loan policy, federal, state, and NCUA rules, regulations, and laws. Responsibilities - Generate closed loans through both inbound leads and outbound calling efforts. - Support incoming calls from both mortgage and home equity inbound calling queues. - Make outbound calls from provided lists to achieve lending goals. - Focus on meeting the lending needs of current MCU members and prospects. - Pre-qualify prospective borrowers; prepare preliminary Loan Estimate (LE), initial disclosures, amended disclosures, and Rate Lock agreement in compliance with RESPA and other compliance requirements. - Lending focus includes Mortgage and Home Equity. - Identify opportunities to cross-sell additional products and services to support member’s financial needs. - Achieve referral goals set to deepen member relationships with MCU and support deposit growth goals. - Review the sales contract, income, assets, and debt information to ensure applicants meet MCU’s minimum standard guidelines. - Complete and collect required documentation prior to submitting a loan application. - Manage personal pipeline in accordance with department standards and compliance requirements. - Counsels members on the reasons for denial and advises how to improve their financial position and credit score. - Understands and demonstrates expert knowledge of products and services offered at Municipal Credit Union. - Identify opportunities to offer additional products and services. - Participate in ongoing training and development approved by HR and Management. - Travel as required. - Perform other related duties as requested and special projects as assigned. Qualifications - College Degree preferred or equivalent work experience. - Minimum 2 years of experience in service-related banking. - Ability to perform in a high-volume environment and meet deadlines while maintaining exceptional attention to detail. - Technologically proficient. - NMLS will be required. Benefits - The pay range for this position is between $19.30-29.93 hourly. - Actual hourly pay offered may vary depending on job-related knowledge, skills, experience, and location. - Employees in this position may also be eligible for overtime, discretionary bonus, and 401(k) with a 6% employer match per pay period. - Benefits for this position include Medical, vision, dental, life, and disability insurance. - Flexible paid time off and 11 paid holidays annually. Company Description At Municipal Credit Union, we believe that an incredible culture helps create a happy and motivated team that works hard to achieve the best results for themselves and their members. For more than 100 years, MCU has provided affordable financial products and convenient services to a membership base that is now comprised of over 600,000 individuals. With each new generation we have the pleasure of interacting with, we maintain the credit union promise of people helping people. Our Mission: To help hard-working New Yorkers build better tomorrows. Our Vision: Be New York's most loved financial institution by helping our members build their best financial futures.

• Develop and maintain data pipelines, workflows, and APIs. • Document data assets and map data flows across systems to support transparency, traceability, and compliance. • Define, describe, organize, and categorize data sets to support efficient access and understanding across the organization. • Analyze data to uncover trends, patterns, and actionable insights that inform operational improvements and strategic initiatives. • Design, build, and maintain dashboards, scorecards, and ad hoc reports using tools like Power BI and Tableau. • Translate business needs into data requirements and reporting specifications. • Partner with business units to identify KPIs and develop visualizations that support operational and strategic goals. • Ensure data accuracy and consistency across reporting platforms. • Collaborate with stakeholders to understand data needs and deliver insights that inform product, member, and market strategies. • Maintain documentation and metadata for reports and dashboards. • Maintain and regularly update the enterprise data dictionary and a centralized index of reports and dashboards to ensure transparency and accessibility. • Contribute to data literacy efforts by supporting training and enablement programs. • Develop and deliver training sessions, workshops, and documentation to help business users effectively use BI tools. • Provide ongoing support and guidance to users on interpreting dashboards and reports. • Promote self-service analytics and foster a data-driven culture across departments. • Identify and compile data sets using a variety of transformation tools to help predict, improve, and measure the success of key business-to-business outcomes. • Analyze and resolve complex data quality issues, utilizing advanced data profiling, cleansing, and monitoring techniques to maintain data integrity and reliability. • Clean and organize raw data and generate data tables in support of business intelligence and data science projects. • Build working relationships with team members and subject matter experts.