Current Openings
Real Estate Lending Manger
Overview
Join our dynamic financial services team as a Real Estate Lending Manager, where you will lead the origination, evaluation, and approval of real estate loan applications. This role is responsible for planning, organizing, and directing the Credit Union's real estate lending services. The real estate lending manager ensures that lending operations are in accordance with established policies, procedures, and legal requirements. They analyze and evaluate the effectiveness of lending services to maximize volume while keeping delinquencies low. They review and assist in the processing, underwriting, closing, and servicing of real state products. They supervise and appraise the activities of the Real Estate department.
Responsibilities
- Assumes responsibility for the development and implementation of effective Lending planning.
- Ensures the effective performance of lending related services.
- Assumes responsibility for the effective administration of lending functions.
- Effectively supervises personnel, ensuring optimal performance.
- Assumes responsibility for ensuring that professional business relationships are established and maintained with members, vendors, the business community, and trade organizations.
- Assumes responsibility for related duties as required or assigned.
Requirements
Experience Required: Minimum of 3 years of Real Estate lending experience in a Credit Union or similar financial institution. At least 2 years of experience in management.
Education/Certification: Bachelor’s degree in finance/related field or an equivalent combination of formal training and experience.
Required Knowledge: Thorough knowledge of Credit Union loan products and applicable policies and standards.
Skills/Abilities:
- Strong leadership, supervisory, and interpersonal skills.
- Good organizational, managerial, and problem-solving abilities.
- A high level of analytical skills.
- Ability to operate related computer applications and business equipment.
- Strong communication skills. Bilingual/ Spanish preferred but not required.
Job Type - Full Time
Location - On Site, in person, at 1 Valero Way, San Antonio, TX 78249
Loan Closer
Overview
We are seeking a detail-oriented and experienced Consumer Loan Closer to join our financial services team. The ideal candidate will be responsible for finalizing loan transactions, ensuring all documentation complies with federal and state regulations, and coordinating with various departments to facilitate smooth loan closings. This role requires a strong understanding of the consumer loan processes, underwriting, and loan origination procedures, with a focus on delivering exceptional service to members while adhering to regulatory standards and regulations.
Duties
- Assumes responsibility for providing effective secretarial and clerical support for all phases of loan processing activities and promotions.
- Fund and monitor loan approval queues. To include the process of payoff quotes, loan payoffs, release of collateral and NADA quotes, including any other documentation/information deemed necessary. Maintain contact with members throughout the loan process. May approve loans within established policies and limits.
- At times may process and monitor Life/Disability and Unemployment claims. Process and monitor GAP and secured insurance claims as needed, as well as cancellations.
- Handle issues and monitor any requests from members and dealers. Via Closer email.
- Process, detect and correct loan portfolio collateral title work or exceptions, ensure proper loan documentation, to include, but not limited to auditing, scanning loan documents, insurance confirmations.
- Opens and distributes loan department incoming mail/faxes daily.
- Receives and screens telephone calls. Answers routine questions or directs them to appropriate personnel. Records and relays messages.
- Completes loan-processing duties in accordance with established policies, procedures, and regulations
Experience
- One to two years of experience in consumer lending at a financial institution.
- Understanding of consumer loan products and services.
- Knowledge of loan processing functions and related financial requirements and procedures.
- High School graduate or equivalent.
- Remain knowledgeable of any changes in processing and funding guidelines.
- Annual training for the Bank Secrecy Act, OFAC, CIP, AML and TIL policies.
- Strong organizational skills with attention to detail in managing multiple files simultaneously.
- Ability to work effectively under pressure while meeting deadlines.
This role is integral to delivering seamless loan closings while ensuring compliance with all applicable regulations. We value candidates who are meticulous, organized, and committed to providing exceptional service throughout the lending process.
Job Type - Full Time
Location - On Site, in person, at 1 Valero Way, San Antonio, TX 78249
Accountant
Role Description
This full-time, on-site Accountant role is based in San Antonio, Texas Metropolitan Area. The Accountant job duties include:
- Prepare, pay, and file all accounts payable for the credit union. Research and resolve discrepancies.
- Prepare and enter daily and monthly general ledger transactions including investment activity and schedules.
- Analyze and reconcile general ledger for various accounts as assigned.
- Prepare summary journal vouchers and verify that all other journal vouchers and cash received have been properly balanced and authorized.
- Review and examine financial data. Generate a variety of reports and statements as requested by management. Prepare financial statements and reports on a regular basis. Examples of reports include teller variance report, daily cash flow report, renewable and share insurance reports.
- Post and reconcile the subsidiary records for the accrued income from investment accounts.
- Post investment interest checks.
- Review daily cash balances.
- Research and adjust all open items, cash imbalances, and variances.
- Set-up and run all prepaid and fixed asset items in the depreciation program.
- Prepare all inter-company elimination entries.
- Perform a variety of activities to assist the manager in maintaining the financial, statistical, and accounting records of the credit union.
- Enter data into accounting systems and generate reports on a daily basis. Prepare various financial, regulatory, and special reports on a weekly, monthly, and quarterly basis as requested by management.
- On a daily basis, balance total check received.
- Journalize all necessary transactions and make sure everything is in balance.
- Post general ledger entries, and proof totals with the general ledger system. File and store general ledger journals daily.
- Prepare accounts payable checks after receiving proper authorization.
- Maintain FED Line by wiring money to/from Federal Reserve, verifying outgoing wires, daily roll-over, and reconciling Federal Reserve Account. Wire money for purchase of mortgages.
- Reconcile MasterCard statements and share draft statements.
- Balance mortgage accounts.
- Maintain working knowledge of various account software programs.
- Process ACH Exceptions.
Qualifications
- 2 to 3 years in accounting for credit unions
- Proficiency in general accounting principles, financial reporting, and budgeting
- Ability to manage account reconciliations, accounts payable, and accounts receivable
- Proficiency in using accounting software and financial systems
- Strong analytical and problem-solving skills
- Excellent attention to detail and ability to ensure accuracy in financial records
- Strong organizational and time management skills to meet deadlines
- Effective written and verbal communication skills for collaboration with team members
- Bachelor's degree in Accounting, Finance, or a related field is required
- Relevant certification (e.g., CPA) or previous experience in the financial services industry is a plus
Job Type - Full Time
Location - On Site, in person, at 1 Valero Way, San Antonio, TX 78249
Please submit a resume and the employment applications by:
Employment Application
Synergy FCU is an equal opportunity employer that does not discriminate based on age, race, ethnicity, national origin, religion, gender, sexual orientation, disability, medical history, and other non-merit characteristics.