About

ZIA Credit Union recognizes the importance of providing its employees the opportunity to participate in a comprehensive benefits program. A competitive benefits program is key to our continued growth as an organization and offers our employees benefits in support of overall health and financial security.

Benefits Include:

• Medical Insurance

• Prescription Drug Insurance

• Dental Insurance

• Vision Insurance

• Basic Life Insurance

• Disability Insurance (Short-term and Long-term)

• Voluntary Life Insurance

Medical Insurance

ZIA Credit Union’s medical plans are administered by Healthscope and our pharmacy benefits are administered by OptumRx. Our benefits are designed to cover a wide variety of medical services including preventive care, office visits, prescription drugs, and inpatient care. The credit union pays a percentage of the employee’s medical insurance premium.

Prescription Drug Insurance

Prescription drug coverage is included in the credit union’s health insurance plan. There is no additional premium for this benefit.

Dental Insurance

The dental plan is administered by MetLife. The credit union pays a percentage of the employee’s dental insurance premium.

Vision Plan

The Vision Plan, through MetLife, provides coverage through in- and out-of-the-network providers. The credit union pays a percentage of the employee’s vision plan premium.

Basic Life Insurance

ZIA Credit Union pays 100% of premiums for this benefit. Employee becomes eligible after 90 days of continuous active employment. The amount of the life insurance benefit is three times the employee’s annual salary up to a maximum of $350,000.

Disability

Short-term and long-term disability is provided to employees through Mutual of Omaha when off work due to injury or illness.

Voluntary Life Insurance

Employees have the option to purchase additional life insurance to cover any gaps in their existing coverage.

Flexible Spending Account (FSA)

A Flexible Spending Account allows employees to have pre-tax money deducted from their paychecks to pay for eligible medical, dental, and vision expenses and dependent care costs. The FSA program is administered by Alt Bentley Yates.

Employee Assistance Program (EAP)

This benefit is available to all employees and their immediate family members through Mutual of Omaha at no cost.

Employees can speak confidentially 24/7 with consultants who can help with questions, concerns or emotional issues surrounding personal or work life.

Travel Assistance Program

This benefit is free to all employees through AXA Assistance USA, Inc.

AXA Assistance USA is available 24/7 anywhere in the world to help locate hospitals and embassies and to answer questions concerning travels.

Wellness Incentive Program

All employees are eligible to participate in this program. The credit union will pay half or up to $25 towards an employee’s monthly wellness program membership.

Employee Incentive Program

Several key positions have performance-based incentives that are determined based on meeting monthly goals and cross-selling various services to members.

Paid Holidays

Holiday pay is provided to all eligible employees.

Standard holidays are:

• New Year’s Day

• Martin Luther King, Jr. Day

• President’s Day

• Memorial Day

• Independence Day

• Labor Day

• Columbus Day

• Veteran’s Day

• Thanksgiving Day and the day after

• Christmas Day

Birthday Day Off

The credit union gives a personal day off to employees for their birthday.

Family Medical Leave

Employees with at least 12 months of service who have worked at least 1250 hours in the preceding 12 months may take Family Leave, not to exceed 12 weeks in a 12-month period for qualifying events.

Bereavement Leave

The credit union grants bereavement leave with pay to allow employees to grieve, handle family affairs, and attend funeral services.

Paid Time Off (PTO)

ZIA Credit Union provides paid time off to eligible employees.

401(k) Retirement Plan

Employees may begin participating under the credit union’s 401(k) retirement plan once they have satisfied the eligibility requirements and reached the entry date.

Eligibility conditions are:      

1. Attainment of age 18

2. Completion of 90 days of service

JOB SUMMARY

Provide information on Credit Union products and services to members according to all credit union policies and procedures and Federal and State rules and regulations. Responsible for interviewing and evaluating applicants for routine loans and processing loan applications. Gather background information and analyze loan applicant’s credit history. Approve or deny loan applications based on analysis. Operate with moderate credit authority.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Gather background information on loan applicants by interviewing loan applicants and obtaining credit bureau reports.

• Assist members with the loan application process to ensure completeness of information.

• 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.

• Calculate debt-to-income ratios on loan applicants.

• Calculate how much of a loan applicant’s debt is secured or unsecured.

• Complete loan applications over the phone and/or electronically.

• Determine collateral needs and payment plans for members applying for loans.

• Determine eligibility of loan co-maker from co-maker’s statement and credit rating.

•  Approve or deny loan applications.

• When a loan is denied, explain reasons for denial in a professional, courteous manner. Work with members to provide recommendations or alternative options for other possible ways to secure a loan in future.

• Verify the accuracy of loan amounts and repayment terms on approved loan applications.

• Complete loan documents and disburse loans when approved.

• Implement new loan products and services in accordance with management direction.

• Cross-sell lending and other credit union products.

• 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.

JOB SUMMARY

Serve as a liaison between the member and the credit union. Provide account information by phone or in person, as well as information on the full range of credit union products and services. Resolve issues, and professionally handle the member’s daily needs. Provide a variety of transactional services to members.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Greet and welcome members and visitors to the credit union in a professional manner. Provide prompt, efficient, and accurate service in the processing of transactions.

• Provide in-person and by-telephone general and specific service-related information concerning credit union services or policies.

• May respond to email or other electronic requests submitted by members, again providing professional, prompt, efficient, and accurate service and information.

•  Respond to members’ requests, problems, and complaints and/or direct them to the appropriate person for specific information and assistance.

• Handle requests from members for transfers of shares to loan payments, share withdrawals, check requests, line of credit advances, and any other requests received from members.

• Participate in community and branch events that will promote the credit union products and services based on members’ needs. Actively cross-sell products.

•  Process member mail transactions, and mail receipts and checks to members as indicated by policy and procedure.

• Provide information on investment alternatives to members wishing to deposit funds with the credit union.

•  Research accounts for deposit, withdrawal, loan payment discrepancies and assist members in balancing their accounts.

• Responsible for balancing sold money orders and cashier’s checks daily.

• 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 the supervisor or management.

JOB SUMMARY

Serve as a liaison between the members and the credit union. Provide account information by phone or in person, as well as information on the full range of credit union products and services.

Assist members with all types of consumer loans, processing, closing and disbursal, making referrals on mortgage loans, consulting and opening various types of deposit accounts, and become proficient in all e-Services (On-Line Banking, Mobile App, Bill Pay, Debit and Credit Cards, etc.) to assist members.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Educate members on all deposit account services and assist them with opening new accounts, IRA accounts, providing the appropriate disclosures, and orientating the member(s) to the credit union.

• Assist members will all types of consumer loans. Process applications, approve or deny requests and complete the necessary paperwork to close and disburse loans.

• Assist members with all types of transaction requests such as deposits, withdrawals, ransfers, loan payments, wires, payroll, cash advances, gift card sales, etc.

• Participate in community and branch events that will promote the credit union. Actively cross-sell products.

• Respond to in-person, telephone, email, or other electronic requests for service in a professional and timely manner.

• Respond to members’ requests, problems, and complaints, resolving issues, and/or directing them to the appropriate person for specific information and assistance. May handle more complex questions and problems for Member Service Representatives.

• Maintain a high knowledge level on all credit union products and services in order to educate and assist members in all areas of branch operations. Complete required training for the position.

• Provide information on investment alternatives to members wishing to deposit funds with the credit union.

• Follow all policies and procedures, rules and regulations including robbery procedures.

• Research accounts for deposit, withdrawal, loan-payment discrepancies, and assist members in balancing their accounts.

• Branch opening and closing duties.

• 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.

JOB SUMMARY

Responsible for developing and implementing an adequate and effective regulatory compliance program that ensures compliance with all laws, regulations and rules that govern the Credit Union’s operations, products, and services. Perform audit checks and self-assessments for various compliance areas and ensure that identified deficiencies and changes are properly implemented by management. Administer the Credit Union’s BSA/AML, MIP, OFAC, records preservation, deposit quality control, whistleblower, and complaint management programs.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Review current and proposed regulations to maintain a current and in-depth knowledge and understanding of the regulatory environment and its impact on the financial industry and the Credit Union.

• Maintain a comprehensive compliance calendar of upcoming compliancy implementation dates and requirements; advise management of pending changes that affect operations.

• Develop, write, and maintain Credit Union policies and procedures. Incorporate regulatory updates into annual policy review.

• Regularly review and update Credit Union disclosures and forms to ensure compliance with federal and state laws and NCUA Rules and Regulations.

• Perform compliance review and approval of advertisement and marketing material.

• Develop an annual compliance review calendar; perform periodic audits and self-assessments to ensure regulatory compliance. Issue reports to Credit Union management that detail the results of audits and recommended corrective action.

• Perform necessary compliance reviews to ensure requirements are met as new products and services are developed.

• Overall responsibility for the Deposit Quality Control program.

• Prepare compliance reports for presentment to the Board of Directors and Supervisory Committee.

• Assist examiners and internal/external auditors, as applicable.

• Serve as the BSA and OFAC Officer. Oversee all aspects of the Credit Union’s BSA/MIP/OFAC Compliance Program, including but not limited to ongoing monitoring of member account activity to prevent and detect illegal activities, Suspicious Activity Reporting, Currency Transaction Reporting, 314a and 314b Information Sharing. Responsibility for compliance, as applicable, with the Bank Secrecy Act, including addressing, in a timely manner, any transaction requiring or warranting action.

• Prepare, monitor, and update the Credit Union’s BSA/AML and OFAC Risk Assessments and other assigned Risk Assessments.

• Fulfill subpoenas, law enforcement and other legal requests.

• Develop, or assist in the development of, and facilitate training of compliance-related topics, including BSA training.

• Responsible for hiring, training, and mentoring Compliance Department employees.

• Evaluate the job performance of subordinates to ensure quality work.

• Complete requirements needed to obtain and maintain Compliance Officer and BSA Officer Certifications.

• Perform any other duties as assigned by supervisor or management.

JOB SUMMARY

Assist the branch manager with the overall operations of the credit union. Assume responsibility for the branch when the Branch Manager is absent. Ensure that all products and services of the credit union are promoted and that quality member service is delivered to all members.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following:

• Assist the Branch Manager with the operations of the branch. May include scheduling staff, answering questions on products and services, policies and procedures, or rules and regulations.

• Assist the Branch Manager with branch security at all levels to include open/close of the facility, vault, and safe deposit.

• Apply policies and procedures for the branch.

• May function as FSR on an as-needed basis, filling in for peak schedules or for an absence or shortage on the teller line or member service area.

• Assist the Branch Manager in scheduling, ordering cash, balancing, etc.

• Responsible for the daily branch cash operation and adhering to the cash limits set by the board of directors.

• Act as a loan officer with an assigned level of authority.

• Assist staff or members in solving account problems.

• Maintain a cross-selling environment within the branch.

• Act as Manager in the absence of that person.

• Monitor branch operations to ensure a consistent, professional approach.

• Ensure that staff receives on-going training on security and robbery procedures.

• Assist in the creation of, policies and procedures for the member service function. Ensure that policies and procedures reflect external rules and regulations and are communicated to, and implemented by, all staff.

• Respond to complex or problematic member questions or problems as appropriate and ensure the highest quality of member service and satisfaction.

• May develop a sales program to cross-sell products.

• Prepare and disseminate information pertaining to credit union trends, security issues, operations, regulations, and services to department staff on a regular basis.

• Assist in conducting market research on industry trends. Recommend programs and projects beneficial to the credit union and its members as a result of research, trends, member satisfaction surveys, etc.

• Consistently maintain and improve skills and knowledge for efficient service delivery.

• 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.