Are you ready to take your career to the next level, and join a dynamic team of high performers who love to win? Our mission at American Spirit FCU is to make a positive difference in the financial life of our members by helping them achieve their personal, professional, and financial goals through the utilization of our products and services. But this doesn’t just apply to our members, it applies to our team members as well.

Check out our current job openings and email us with your resume at info@americanspirit.org to apply.

For best consideration, include the job title and source where you found this position in the subject line of your email.

Career Openings at American Spirit FCU

Accountant

Position Summary

The accountant reports directly to the Controller and performs a variety of accounting, Compliance and administrative functions. Assists in overseeing and directing the ongoing activities of the accounting department in conformance with established Credit Union policies and procedures.

Performance Objectives:

Performs functions, within scope of authority and expertise, to provide the highest level of service and responsiveness to members served by the Credit Union.

2. Reconcile the Investment Portfolio to all safe keeping institutions.

3. Prepares general ledger reconciliations on a monthly basis, resolves any inaccuracies or imbalances.

4. Provides support and assistance to Accounting with audit and regulatory examinations, as needed.

5. Assists with the monthly balance sheet audit, insuring that all-subsidiary ledgers adequately supports the general ledger.

6. Assist the Accounting clerk in evaluating adequacy of Allowance for Loan Loss accounts monthly and recommends appropriate action to keep that account funded in accordance with Generally Accepted Accounting Principles.

7. Manages Accounts receivable and payable insuring prompt payment of properly authorized invoices.

8. Assists in reconciling Wires, ACH, Share-draft, ATM and checks.

9. Adheres to all American Spirit FCU policies and procedures. Responsible for compliance with the following regulations: BSA, OFAC, and other regulations as required.

10. Prepare monthly management and board reports.

11. Serve as a backup when the accounting clerk is out of the office.

12. Provides backup to the Member Service/Teller.

13. Perform related accounting and administrative duties as assigned or requested

Requirement/Skills:

• Adaptability – Adapt to changes in the work environment; manage competing demands; changes approach or method to best fit the situation; able to deal with frequent change, delays, or unexpected events.
• Exhibit a “can-do” positive attitude at all times.
• Complete daily, 2 -3 mandatory training models and be prepared to apply, discuss and role play.
• Attendance/Punctuality – Is consistently at work and on time; ensure work responsibilities are covered
• when absent; arrive at meetings and appointments on time.
• Inspire the trust of others; work with integrity and ethically; uphold organizational values.
• Displays willingness to make decisions; exhibits sound and accurate judgment; support and explain reasoning for decisions.
• Demonstrates persistence and overcomes obstacles; measure self against standard of excellence.
• Prioritize and plan work activities; use time efficiently; set goals and objectives; organize or schedule other people and their tasks.

Education & Experience:

• Bachelor’s degree in Accounting or Finance or equivalent work experience.
• Three to five years’ experience in related position, accounting or bookkeeping preferably within a financial institution or regulated industry.
• Must be detailed oriented and have strong organizational, problem solving and analytical skills.
• Demonstrated ability to prioritize tasks, communicate effectively and lead a successful team.
• Ability to utilize various types of office equipment, including computer terminal. Working knowledge of Microsoft Word, Microsoft Excel, Microsoft PowerPoint, and report writing software.
• Ability to multitask and meet constant deadlines.

Physical Requirements:

Prolonged periods sitting at a desk and working on a computer

This position will require travel – up to 5%

Commitment to Diversity

As an equal opportunity employer committed to meeting the needs of a multigenerational and multicultural workforce American Spirit FCU recognizes that a diverse staff, reflective of our community, is an integral and welcome part of a successful and ethical business. We hire local talent at all levels regardless of race, color, religion, age, national origin, gender, gender identity, sexual orientation or disability, and actively foster inclusion in all forms both within our company and across interactions with members, candidates and partners.

If this position caught your eye, send us your resume! For best consideration, include the job title and source where you found this position in the subject line of your email to: info@americanspirit.org.

Job Type: Full-time

Benefits:

• Dental insurance
• Health insurance
• Paid time off
• Vision insurance
• 401k plan – match $ for $ up to 6% of your salary.

Schedule:

Monday to Friday 8:30 am – 5:00 pm

Rotating Weekend availability

Supplemental Pay:

Profit Sharing Bonus

Member Service Representative – Floating

This position provides an ultimate level of service to the members, clients, and employees of American Spirit Credit Union.

Responsibilities:

• Thorough knowledge of all credit union’s products and services
• Open new accounts, certificates of deposit, MM, IRA’s Club accounts, S/D, complete necessary paper work for ACH and payroll deductions, obtain notary, input loan applications, and cross sell products and services to meet the financial needs of members.
• Ability to analyze and identify member’s questions/problems and offer/cross-sell a product or service that would meet the members financial needs.
• Process loan applications, input data, review loan policies, and options with member, prepare supporting loan documentation, submit to a loan officer for approval or denial, prepare loan documents for signatures and disbursement insuring accuracy and completeness of loan, and process denials as necessary.
• Perform routine audits and assist in the preparation of month-end reporting.
• Perform routine member transactions, phone and mail transactions. Teller/Cash handling and Sales experience preferred.
• Cross-train in performing routine transactions on accounts, including but not limited to cash handling, check 21, shared branching, etc. via branch and research member inquiries including follow up to ensure member satisfaction.
• Process request for changes and maintenance to accounts, check orders, and Debit Card applications.
• Must be cross trained on teller transactions in order to assist Teller Line as needed.

Qualifications:

• Professional, well-developed interpersonal skills essential for serving members and projecting a positive image as a representative of the Credit Union.
• At least one year of experience in a lending department or branch office of a credit union or financial institution.
• Knowledge of member interviewing skills and a good strong understanding of sales and service.
• Excellent communication skills.
• Provide leadership and assistance to branch personnel.
• Must obtain notary.
• Must be willing to attend community and Workplace Partner events.
• Must be willing to accept temporary or permanent reassignments and/or be willing to travel to other branches within the region as deemed necessary or appropriate by the employer to meet its business needs.

Education:

• Requires education equivalent to a four year high school diploma.

Work Hours:

• Full-Time Position
• Must be Available for Rotating Locations
• Rotating Fridays: 4:00 – 5:00 pm
• Rotating Saturdays: 9:00 am – Noon

Send your resume to info@americanspirit.org

Member Service Officer

American Spirit Credit Union, a $72 million financial institution has an excellent opportunity available for a Full-time Member Service Officer at our Newark, Middletown and Dover locations! This position provides an ultimate level of service to the members, clients, and employees of American Spirit Credit Union.

Responsibilities Include:

• Thorough knowledge of all credit union’s products and services
• Open new accounts, certificates of deposit, MM, IRA’s Club accounts, S/D, complete necessary paperwork for ACH and payroll deductions, obtain notary, input loan applications, and cross sell products and services to meet the financial needs of members.
• Ability to analyze and identify members’ questions/problems and offer/cross-sell a product or service that would meet the members’ financial needs.
• Process loan applications, input data, review loan policies, and options with member, prepare supporting loan documentation, submit to a loan officer for approval or denial, prepare loan documents for signatures and disbursement insuring accuracy and completeness of loan, and process denials as necessary.
• Perform routine audits and assist in the preparation of month-end reporting.
• Perform routine member transactions, phone and mail transactions. Teller/Cash handling and Sales experience preferred.
• Must be proactive in your self-development by Complete daily 2 – 3, Cardone University trainings and be prepared to discuss and role play.
• Crosstrain in performing routine transactions on accounts, including but not limited to cash handling, check 21, shared branching, etc. via branch and research member inquiries including follow-up to ensure member satisfaction.
• Process request for changes and maintenance to accounts, check orders, and Debit Card applications.
• Must be cross trained on teller transactions in order to assist Teller Line as needed.

QUALIFICATIONS

• Professional, well-developed interpersonal skills essential for serving members and projecting a positive image as a representative of the Credit Union.
• At least one year of experience in a lending department or branch office of a credit union or financial institution.
• Knowledge of member interviewing skills and a good strong understanding of sales and service.
• Excellent communication skills
• Provide leadership and assistance to Branch personnel
• Must obtain notary
• Must be willing to attend community and Workplace Partner events.
• Must be willing to accept temporary or permanent reassignments and/or be willing to travel to other branches within the region as deemed necessary or appropriate by the employer to meet its business needs.

EDUCATION

• Requires education equivalent to a four-year high school diploma

WORK HOURS

• Full-Time position – Must be available for rotating.
• Monday – Fridays – 8:30 – 5:00 pm
• Rotating Saturdays – 9AM – Noon

We offer competitive compensation and a benefits package. The starting salary range for this position is $31,200-$$45,760. Interested candidates should send a resume with a letter of interest via email to info@amerianspirit.org and include Resume Full Time Member Service Officer in the subject line of your email.

Head Teller

American Spirit Federal Credit Union

Location: Middletown, Newark and Dover, Delaware

Schedule: Full-time

Position Overview

We are searching for a qualified Head Teller to be responsible for the daily operations of the teller line, ensuring efficient, accurate, and courteous service in accordance with established accounting policies and procedures. This role combines leadership, membership, and operational responsibilities. The Head Teller guides and supports teller staff while promoting credit union products and services, maintaining compliance, and upholding the high service standards expected by our member-focused institution.

Excellent opportunity for a dependable professional to join a supportive and engaging work environment. American Spirit FCU is a successful credit union that serves the underserved community of Newark, Middletown and Dover.

Skills

• Minimum of 3 years of experience in a teller or customer service role, with at least 1 year in a supervisory or lead capacity.

• Strong knowledge of credit union/banking operations and compliance.

• Proven leadership and mentoring skills.

• Excellent communication, problem-solving, and organizational abilities.

• High level of integrity and attention to detail.

• Proficiency with core financial systems and MS Office applications (Word, Excel, etc.), computers and office machines.

• Demonstrated ability to work effectively with people.

Physical Demands: While performing the duties of this job, the employee is regularly required to use the hands to finger, handle, or feel/discern objects, tools, or controls, such as, but not limited to: cash and 10- key The employee is also required to talk and hear and is frequently required to stand, walk, sit and reach with hands and arms. The employee must occasionally lift, and/or move up to 40 pounds. Specific vision abilities required by this job include close vision, distance vision, peripheral vision, depth perception and the ability to adjust focus.

Work Environment: Office environment within a secure branch setting. Standing for extended periods during teller hours. The noise level in the work environment is usually moderate. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

Education & Experience

• Education: High school diploma or equivalent; associate degree or relevant coursework preferred.
• Experience: Previous financial experience in cash management or teller area highly desire

Requirements

• Supervise, control and support all teller staff in day-to-day operations, including scheduling, training, coaching, and performance management. Ensures a trained, motivated and professional staff, capable of providing efficient and effective member services while maintaining positive membership. Establishes performance expectations and monitors results. Recommends the discipline/discharge of member service staff, while maintaining required documentation. Train new tellers and provide ongoing mentoring and development.

• Ensure teller line area is open and ready to conduct business each day and that all equipment is in proper working order.

• Ensure that the branch balances all transactions at the close of each business day. May assist tellers and others to resolve adjustments. Authorizes adjustments.

• Ensure operations comply with American Spirit’s policies, procedures, and federal regulations (e.g., BSA, Reg CC, Reg E). Responsible for training and updating Member Service Tellers in proper reporting, filing and maintaining records on Currency Transaction Reports (CTRs) and Suspicious Activity Reports (SARs).

• Handle complex member transactions, resolve escalated issues, and provide exceptional service that aligns with American Spirit’s mission.

• Conduct periodic cash audits, vault balancing, and teller drawer verifications.

• Maintain appropriate cash levels and security controls. Order and verify cash shipments weekly for lobby needs. Maintain accurate records of cash deposits and coin exchange with each proprietor.

• Perform periodic reconcilement of money orders, gift cards, assisting in the general ledger balancing. Responsible for maintaining associated logs and inventory as needed.

• Assist with branch reporting, reconciliation, and recordkeeping

• Promote American Spirit FCU products and services by identifying member needs and referring appropriate solutions.

• Act as Branch Manager backup as needed.

• Perform other duties as required and assigned.

Additional Comments

As a not-for-profit financial cooperative, we are member-owned and governed by a volunteer board. That’s why we remain focused on service and support our community.

We have a 5-star rating from Bauer Financial. We are a financially strong credit union that exceeds peer average.

American Spirit FCU provides employees with competitive compensation, and an excellent benefit package including medical, dental, and vision, an employer matching 401(k) plan, generous paid time off, long term disability insurance, educational assistance and career advancement opportunities.

Interested candidates should send a resume with a letter of interest via email to info@amerianspirit.org and include Resume Full Time HeadTeller in the subject line of your email.

BSA & QC Specialist

American Spirit Federal Credit Union

Location: Newark, DE

Schedule: Full-time

Position Overview

Responsible for assisting BSA Officer to ensure all banking activities are performed in compliance with all provisions of the Bank Secrecy Act (BSA), Office of Foreign Assets Control (OFAC), and USA PATRIOT Act. Review documents, systems, and files for all products and services to ensure proper recording, regulatory compliance, and effective processing. Secondary Function: Assist with Enterprise Risk Management Program by performing risk assessments, reviewing credit union procedures, and recommending changes to ensure safety and soundness.

Essential Functions

• To assist the BSA, Anti-Money Laundering (AML), and OFAC Officer and ensure the accurate and timely filing of reports, such as Currency Transaction Reports and Suspicious Activity Reports (SARs).

• Ensure that all AML alerts are reviewed on a daily basis. Research and respond to escalated AML alerts and suspicious circumstances identified by the frontline or other staff. Create cases and file SARs as appropriate.

• Assist with the Money Service Business Account program for the credit union. Use best practices developed from the FinCEN guidance and other resources on the subject to ensure that American Spirit follows governmental guidance on the issue.

• Assist in Vendor Management Program and Disaster Recovery/Business Continuity Program.

• Assist in the physical security of the credit union, Including procedures for keys, alarm codes, combinations, and other security, access and monitoring devices and procedures.

• Prepare quality control reports that summarize work performed. Clearly document all exceptions.

• Perform quality assurance reviews of documents that have been imaged by others (including, but not limited to, loan documentation, collection information, and signature cards), ensuring completeness, accuracy and legibility of documentation and scanned images.

• Work with outside audit firms, to coordinate the credit union’s audit and risk programs.

Education & Experience

• High school diploma or GED and/or some related college course work.
• One year of similar or related work experience in a credit union or financial institution preferred. Bank Secrecy Act experience preferred.

Requirements

• Ability to understand and follow complex written and oral instructions.
• Ability to comprehend complex functions and procedures and to be able to disseminate that knowledge in a clear, concise, and understandable format to others.
• Ability to prepare and maintain confidential records and reports.
• Ability to gather, assemble, correlate, and analyze facts and develop solutions.
• Ability to analyze statistics and financial data.
• Ability to effectively review documents.
• Ability to assess needs of multiple members and prioritize requests to ensure that all members receive the highest quality of service possible. Ability to handle daily routine with moderate freedom to interpret and act upon various situations.
• Ability to work within precise standardized guidelines with some latitude to make decisions and take initiative to resolve problems or unique circumstances.
• Ability to express oneself clearly and concisely, both orally and in writing.
• Ability to perform necessary computer related input.

Additional Comments

We are looking for friendly, service-driven individuals to join our team of rock stars!

Our mission is to make a positive difference in the financial life of our members, by helping them achieve their personal, professional and financial goals, through the utilization of our products and services.

Our core values are the backbone of our business and guide our hiring process: we are inspirational, accountable, transparent, disciplined, aligned, and results oriented.

A career at American Spirit FCU means you have accepted the challenge to push yourself further than you have gone before in order to reach your full potential.

Interested candidates should send a resume with a letter of interest via email to info@amerianspirit.org and include Resume Full Time BSA Specialist in the subject line of your email