Full-Time
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LGFCU
201-500 employees
Member-owned financial cooperative serving government workers
No salary listed
Raleigh, NC, USA
In Person
Occasional travel required; role primarily in-office in Raleigh, NC.
 Finance & Banking (1) |
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- 1 – 3 years of experience in consumer lending or member service roles involving lending conversations, including 1-3 years at a financial services organization.
- Working knowledge of consumer loan products including personal loans, auto loans, and HELOCs.
- Strong communication skills, with the ability to explain loan terms, credit decisions, and stipulation requirements clearly.
- Familiarity with credit reports, DTI calculations, and basic underwriting principles.
- Ability to use loan origination systems and CRM tools to document member contact and update application status.
- High attention to detail, organizational skills, and the ability to manage a high volume of applications in a fast-paced, centralized environment.
- Member-focused mindset with a consultative, empathetic approach to lending.
- Ability to function in a Consumer business office environment and utilize standard office equipment including but not limited to: PC, copier, telephone, etc.
- Ability to lift a minimum of 25 lbs. (file boxes, computer).
- Travel required on occasion.
- Review assigned digital and branch-submitted loan applications to ensure the selected product, amount, and term align with the member’s financial needs and objectives.
- Contact members to engage in consultative discussions related to loan purpose, product fit, or clarification prior to underwriting submission.
- Work collaboratively with Consumer Underwriting to ensure applications are accurate and complete, and proactively gather missing information or documents needed for decisioning.
- Support fulfillment and underwriting partners by submitting well-prepared, accurate, and complete applications.
- Proactively follow up with members on approved loans to explain terms, verify member intent, and collect any stipulations needed to move the loan to closing.
- Contact members on declined loan applications (as applicable) to explain the outcome and offer guidance on improving future approval chances.
- Utilize the loan origination system (LOS) and internal workflows to update application status, document member interactions, and route applications appropriately.
- Adhere to all regulatory and internal policies when collecting, documenting, or communicating with members.
- Maintain knowledge of all consumer lending products—including unsecured term loans, personal lines of credit, auto loans, and HELOCs—to support members in product selection.
- Meet productivity and service level expectations for daily contact volume, turnaround time, and member satisfaction.
- Participate in training and coaching sessions to maintain proficiency in underwriting principles, loan structuring, and credit fundamentals.
- Contribute to process improvement initiatives by identifying trends, bottlenecks, or opportunities for better member communication.
- Take ownership for actions, decisions, and results; openly accept feedback and demonstrate both the willingness and ability to improve.
- Credit Union experience preferred, particularly in a digital or centralized lending model.
- Exposure to Fiserv Velocity or similar LOS platforms.
- Bilingual (Spanish) is a plus.
- Familiarity with digital member interactions, including secure messaging platforms or digital follow-up tools.
- Ability to analyze credit reports and make basic recommendations on loan alternatives.
LGFCU is a not-for-profit financial cooperative serving local government employees, elected officials, and their families in North Carolina. Members own the credit union and receive better rates and lower fees compared with for-profit lenders. It offers checking, savings, loans, credit cards, and insurance, with digital banking enhanced by the Civic Credit Union merger. Its goal is to provide accessible, affordable financial services to North Carolina public servants and strengthen the community through member ownership.
Company Size
201-500
Company Stage
N/A
Total Funding
N/A
Headquarters
Raleigh, North Carolina
Founded
1983
Simplify's Take
What believers are saying
- Dayatra Matthews elected to CUNA Board, boosting industry influence.
- Hired Justine Buxton and Radcliff Hester to strengthen local advisory councils.
- Over $3 billion assets and 380,000 members across all 100 NC counties.[1]
What critics are saying
- Maurice Smith's January 2026 retirement creates leadership vacuum disrupting strategy.
- SECU's $50B scale erodes LGFCU's niche market share in 12-24 months.
- Inadequate digital banking loses younger members to fintechs like Chime in 6-12 months.
What makes LGFCU unique
- LGFCU exclusively serves North Carolina local government employees and families.[1]
- Member-owned cooperative returns earnings via favorable rates and low fees.[1]
- Merged with Civic Credit Union to enhance digital banking capabilities.[4]
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Benefits
Professional Development Budget
Company News
Fifty-three years later, Smith, 65, is retiring in mid-January from the Local Government Federal Credit Union, where he was named president in 1999 and CEO in 2017.
Local Government Federal Credit Union (LGFCU) has announced the addition of Radcliff Hester, Dare County transportation program supervisor, to its to its Hatteras Advisory Council, which comprises Tyrell and Dare counties.