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We recognize at Zia Credit Union that our success is a result of the quality and caliber of our employees. We are always interested in receiving applications from motivated and energetic individuals. Zia Credit Union offers competitive pay and an excellent benefit package. Zia Credit Union is an Equal Employment Opportunity employer.


Current Openings:

Position Title:  Accounting Specialist

Brief description of essential responsibilities:

Accounting Specialist is responsible for providing financial, administrative and clerical services. This includes processing and monitoring payments and expenditures and maintaining and monitoring the vendor database system. Providing these services in an effective and efficient manner will ensure that the credit union finances are accurate and up to date, staff is reimbursed timely and in an appropriate manner and that vendors and suppliers are paid within established time limits.

Special knowledge, skill and ability requirements: 

  • Analytical and problem solving skills
  • The ability to work well under pressure
  • Attention to detail
  • Team-working skills
  • Organization and time management
  • Interpersonal and communication skills
  • Ability to lift/carry 50 pounds on occasion

Education and experience required: A High School diploma or equivalent, and experience that would support the ability to accomplish responsibilities of the position.

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Position Title: Mortgage Loan Manager

Brief description of essential responsibilities:  

Increases mortgage loan portfolio by developing business contacts; attracting mortgage customers; completing mortgage loan processing and closing. Answer questions form members on real estate loans and rates. Gather and analyze financial information on members for the purpose of determining qualifying status for mortgage loans. Provide member with applications, interview for routine loans or to obtain additional information. Collate, review, and verify a myriad of loan documents for accuracy for real estate transactions.

Essential Duties and Responsibilities: 

  • Develop mortgage loan business through member seminars and calls to realtors, contractors, and other institutions.
  • Establish and monitor control procedures for first – mortgage loan portfolio.
  • Interview loan applicants and assist members with the loan application process.
  • Obtain and evaluate credit bureau reports on applicants.
  • Pull credit reports for all accounts, verify debts, and estimate monthly payments for any outstanding debts not listed and add them to debts on application.
  • Ensure that each real-estate loan is processed accurately.
  • Prepare mortgage loan application and document packet for closing.
  • Process applications and verify accuracy for second mortgage open-end and closed-end loans; conduct loan interviews with members when necessary. Follow-up with members to obtain any documentation.
  • Ensure payment through accounting title company fees for title searches legal work, and appraisals.
  • Train new mortgage loan officers.
  • Provide all applicable disclosures for both fixed-and variable-rate loans.
  • Calculate closing costs and provide a good faith estimate for closing costs to member.
  • Process loan to include verification of employment, deposit accounts, and all liabilities in order to prepare application of verified information.
  • Order and check credit report to determine credit worthiness of applicant based on industry standards for collateral/equity value.
  • Approve or deny second mortgage open-end and closed-end loan applications under authority delegated by policy.
  • Request and evaluate real-estate appraisal to ensure proper guidelines are followed and final value is properly determined.
  • Request flood certification to determine if property is or is not in a flood zone.
  • Order title work from attorney.
  • Obtain copy of current homeowner’s insurance and flood insurance (if applicable) and make sure mortgage clause is in favor of credit union.
  • Establish repayment and interest schedule based upon loan guidelines and rates.
  • Prepare closing package, researching and resolving all items in the closing package to ensure closing process is on-time and documentation is complete and accurate.
  • Approve or deny second mortgage real-estate loan applications, and explain reasons for denial.
  • Responsible for hiring, mentoring, scheduling, and training of employees.
  • Evaluate the job performance of subordinates to ensure quality work and service to members.
  • Responsibility for compliance, as applicable, with the Bank Secrecy Act, including addressing, in a timely manner, any transaction requiring or warranting action.
  • Perform any other duties as assigned by supervisor or management.

Physical Demands:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

  • Lifting: Must be able to lift 50 pounds on occasion.
  • Talking/hearing: The person in this position frequently communicates, in-person and by phone, with credit union members and co-workers.
  • Fingering: Picking, pinching, typing or otherwise working, primarily with fingers rather than with the whole hand as in handling.
  • Crouching: Bending the body downward and forward.
  • Reaching: Extending hands and arms in any direction.
  • Grasping: Applying pressure to an object with the fingers and palm.
  • Pulling: Using upper extremities to exert force in order to draw, haul or tug objects in a sustained motion on occasion.
  • Standing: Particularly for sustained periods of time.
  • Walking: Moving about on foot to accomplish tasks.
  • Visual acuity: The person in this position is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing, viewing a computer terminal and extensive reading.

Education and experience required: Bachelor’s Degree or a High School Diploma or equivalent, and experience in related field.

Knowledge and Skills:


  • Effectively manages time and responsibilities (tasks, projects, etc.).
  • Fulfills commitments effectively, efficiently, and thoroughly, and within designated time frames.
  • Consistently produces an acceptable level of work under low, typical, and high levels of workload and, if appropriate, actively seeks out additional work (e.g., during downtime).
  • Effectively utilizes available resources (documentation, etc.) to complete work.
  • Effectively manages multiple tasks and adapts to changing conditions.

Knowledge and Quality of Work 

  • Possesses and applies knowledge, skills, and abilities to properly accomplish responsibilities, and consistently produces accurate and quality work.
  • Actively learns and accurately implements job responsibilities and new tasks, including abiding by established credit union policies and procedures.
  • Fulfills commitments and completes responsibilities (e.g., tasks, projects, etc.) with an appropriate level of follow-up. Organizes work in a manner that allows others to assess where workload stands.
  • Understands credit union, departmental, and job purposes/objectives.
  • Demonstrates the ability to evaluate, identify a solution(s) to, and appropriately address an opportunity or problem. Makes appropriate decisions, taking into consideration factors pertaining to the circumstance (e.g., potential impact to members and/or credit union, etc.). 

Initiative and Self-Development

  • Actively and willingly supports and, as applicable, contributes to the implementation of new policies, procedures, products, services, etc. Recognizes and presents ideas for improvement.
  • Attends credit union/departmental meetings (e.g., General Employee Meetings), completes assigned training (e.g., online course) timely, and independently identifies and takes advantage of relevant self-development opportunities (training, education, etc.).
  • Takes the initiative to find answers and solutions. Develops and retains knowledge for future application.
  • Demonstrates enthusiasm for his/her position. Shows willingness to take on new tasks and projects.
  • Participates in credit union and/or department activities (e.g., community events, "dressup days", annual meeting, golf tournament, etc.) in a professional, positive, and cooperative manner.

Internal Service and Teamwork

  • Communicates effectively and appropriately with others, including, but not limited to, all credit union staff, vendor representatives, and members, in verbal, written, and electronic forms of communication.
  • Takes an active and constructive role when involved in projects, meetings, training, etc.
  • Actively fosters teamwork and develops an appropriate level of camaraderie within immediate workgroup and other areas/departments of the credit union.
  • Encourages other staff members to perform well, avoids negative conversation (e.g., gossip) and positively supports change. Follows proper channels (hierarchy) to make requests, receive approvals, escalate problems, etc.
  • Keeps manager informed with regards to, and effectively communicates information about activities for area of responsibility.
  • Assists other credit union employees through helping to accomplish tasks, sharing knowledge, problem-solving, etc.

Member Service and Professionalism

  • Treats members, co-workers, and others with friendliness, respect, and courtesy; maintains a positive attitude and manner. Demonstrates appreciation for the opportunity to serve members and/or fellow employees.
  • Exhibits honesty, demonstrates integrity, and adheres to standards set forth in credit union's Standards of Conduct Policy.
  • Consistently follows credit union dress and grooming standards, applies good judgment in choice of attire and appearance for the work environment, and fosters the level of professionalism appropriate to a financial institution.
  • Strives to proactively assist members, co-workers, and others, and does so with a "sense of urgency", and goes the "extra mile" in interactions and responsibilities. Is responsive to requests. Takes "ownership" of tasks, issues, etc. presented, and readily accepts responsibility for actions.
  • Maintains confidentiality of information and handles sensitive matters appropriately.


  • Understands and takes an active role, as applicable, in developing, implementing, and achieving credit union objectives.
  • Proactively and effectively communicates and properly assists staff in achieving organizational/departmental goals, objectives, and targets. Provides clear direction to employees as to expectations.
  • Within area of responsibility, creates conditions that promote teamwork, collaboration, communication, and achievement among employees.
  • Appropriately and effectively coaches and motivates staff to attain and maintain a highlevel of performance and, when applicable, addresses deficiencies in performance. Complete annual performance reviews on time.
  • Effectively manages resources, including staff scheduling, to ensure a high-level of service and efficiency.

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