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, fulfilment, advancement and development. Find your joy here, every day.

 We give you:

• 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


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


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


• 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:

• Responsible for conducting reviews of balance sheets and profit and loss statements on commercial loans or lines of credit, and utilize department systems and resources for evaluation.


• Maintains borrower contact via site visits, telephone & email to ensure high level of rapport and personal involvement with each borrower.


• Performs analysis and completes written annual reviews for each qualifying business loan.


• Maintains and monitors borrower database of pertinent information and log of their contact with borrowers.


• Create opportunities for expanding the existing business member relationship by proactively suggesting additional products and services for both the member’s business, personal and or consumer needs.


• Effectively utilize consultative selling techniques to sell all JOVIA products and services to members.

What we need from you:

• College degree required with a minimum of six (6) years of experience in commercial banking, four (4) of which have been in a related credit underwriting or analysis position. 


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


• Have excellent organizational and time management skills and excellent verbal and written communication skills.


• Must be able to handle multiple projects and tasks and meet deadlines.


• The individual should be detail-oriented, have an aptitude for figures and function with minimum supervision. A pipeline, as well as marketplace contacts and COI’s, are desired.  


• Individual must have reliable method of transportation in order to perform sites visits to all businesses.


• Proficient in math and calculations related to lending. 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.


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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)

See job description