Commercial Credit Manager at Jovia Financial Federal Credit Union in Westbury, New York

Job Description:

 Say Hello to Working on the Bright Side

We are Jovia Financial Credit Union (Formerly NEFCU). Our name evokes a way of joy, a feeling of optimism, trust and “banking on the bright side”. We are a new kind of credit union, one that combines service and value with the convenience that today’s technologies allow. Our friendliness and energetic spirit make it easy to do business with us. At Jovia, our dynamic, fast growing culture awaits- come see for yourself. 

Now with more than 3 billion in assets, 200,000 members, and 450+ employees, we attract the best and the brightest talent-- who do the right thing, present a can-do spirit in a culture of fun, fulfillment, advancement and development. Find your joy here, every day.

We give you:

• Competitive compensation with paid training


• Open communication and an amazingly positive staff


• Managers who value input from their employees—we believe in you!


• A friendly, inviting work environment


• Work that feels like a second home with family events hosted by Jovia!


• Leaders who are involved, transparent and coach you


• Professional development and a perfect atmosphere for learning


• Fun social activities to nurture creativity and teamwork


• Business casual dress with annual corporate gear allowance!


• Great benefits – Med/Dent/401K/pension, and tuition reimbursement and more (Full Time employees)


• School Loan Repayment & Gym Reimbursement (Full Time employees). New in 2020!


• Lots of growth and advancement potential


• A CEO with brilliant vision and aspiration

Want to know why we’re so happy? Click here to learn and meet our CEO!

What you will be doing: 

• Oversee the management and functionality of the Commercial Loan Underwriting team with regard to the following: process, coordinating and assigning daily work assignments, performing pipeline reviews and projects.


• Ensure that all commercial applications are underwritten in accordance with JOVIA’s policies and procedures as well as those dictated by NCUA and the SBA.


• Review all necessary underwriting information to determine the degree of risk involved and the proper premium for acceptable risks. Accepts risks that meet underwriting standards and declines those which do not, within assigned scope of broad underwriting authority.


• Expert knowledge of and ability to interpret tax returns (personal and business) and other forms of income, asset and expense documentation.


• Ability to understand and analyze real estate purchase contracts, title reports, as well as flood certifications and property appraisals.


• Responsible for attaining premium, loss ratio and LAE, commission ratio self-audit and service goals as assigned.

What we need from you:

• Four year degree strongly preferred, formal credit training required with a minimum of five (5) years of experience in commercial lending. Minimum of no less than ten (5) years commercial loan underwriting experience is a must. 


• Possess exceptional underwriting and personnel management skills.


• Individual must function with minimum supervision, have a positive attitude, and impart a team player mentality.


• Well versed in Microsoft Word and Excel. Detail oriented, excellent analytical skills, aptitude for figures,


• Excellent communication skills (verbal and written) and computer/Internet savvy.


• Well versed in all Regulatory Compliance.

Be part of a growing not-for-profit organization where People are Everything—You are important to us. Help our members meet their financial goals and achieve their dreams. Let’s talk!

At Jovia, we celebrate innovation, diversity, teamwork, excellence, and integrity. We are an equal opportunity employer and offer competitive compensation and benefits packages to recruit, retain, and reward top talent. We would like to be your partner in success and happiness!

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)

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