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Credit Union Jobs in Rio Rancho, NM (NOW HIRING)

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$11

$29

$86

How much do credit union jobs pay per hour?

As of Aug 19, 2026, the average hourly pay for credit union in Rio Rancho, NM is $29.40, according to ZipRecruiter salary data. Most workers in this role earn between $14.76 and $17.36 per hour, depending on experience, location, and employer.

What is a credit union?

A credit union is a member-owned financial cooperative that provides banking services like savings accounts, loans, and credit cards. Unlike banks, credit unions are nonprofit organizations, and any profits are returned to members through lower fees and better interest rates. Membership is typically based on a common bond, such as where you work, live, or your association with a particular group. Credit unions are regulated and insured, making them a safe place for your money. They often focus on personalized service and community involvement.

What are the key skills and qualifications needed to thrive as a credit union member service representative, and why are they important?

To thrive as a Credit Union Member Service Representative, you need strong financial knowledge, attention to detail, and typically a background in banking or customer service. Familiarity with banking software, cash handling systems, and compliance regulations is often required. Exceptional communication, problem-solving, and interpersonal skills help you build trust and effectively serve members. These skills and qualities are vital to ensuring accurate transactions, regulatory compliance, and a positive member experience.

What are some common challenges faced by employees working at a credit union, and how are they typically addressed?

Employees at credit unions often face challenges such as managing a high volume of member inquiries, staying updated with regulatory changes, and ensuring personalized service in a fast-paced environment. To address these, credit unions typically provide ongoing training, emphasize teamwork, and utilize up-to-date technology to streamline processes. Many credit unions also foster a collaborative culture, encouraging staff to share knowledge and support one another, which helps employees deliver excellent service while staying compliant with industry standards.

What is the difference between Credit Union vs Loan Officer?

AspectCredit UnionLoan Officer
CredentialsTypically requires high school diploma or equivalent; some roles may need financial certificationsRequires high school diploma; often needs mortgage or loan origination licenses
Work EnvironmentNon-profit financial cooperative, community-focusedBanking or lending institutions, sales-driven environment
Employer & IndustryCredit unions, financial servicesBanks, mortgage companies, lending firms
Common Search/ComparisonYesYes

While credit union employees focus on member services and financial products within a cooperative setting, loan officers primarily evaluate and approve loan applications for banks or lending companies. Both roles require financial knowledge, but their work environments and objectives differ, with credit unions emphasizing community and member relations, and loan officers concentrating on lending and sales.

What job categories do people searching Credit Union jobs in Rio Rancho, NM look for?

The top searched job categories for Credit Union jobs in Rio Rancho, NM are:

What cities near Rio Rancho, NM are hiring for Credit Union jobs?

Cities near Rio Rancho, NM with the most Credit Union job openings:

Credit Union jobs near you
Infographic showing various Credit Union job openings in Rio Rancho, NM as of August 2026, with employment types broken down into 82% Full Time, 17% Part Time, and 1% Contract. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $61,148 per year, or $29.4 per hour.

Commercial Credit Analyst I

State Employees Credit Union

Albuquerque, NM • On-site

$63K - $79K/yr

Full-time

Re-posted 14 days ago

State Employees' Credit Union (North Carolina) rating

8.2

Company rating: 8.2 out of 10

Based on 23 frontline employees who took The Breakroom Quiz

Job description

POSITION TITLE: Commercial Credit Analyst I
REPORTS TO: Commercial Portfolio Manager
SUPERVISES: N/A
JOB STATUS: Exempt
JOB GRADE 12: $63,525.80 - $79,060.80 Targeted Annual Salary
*This position works on-site. Remote work is not available at this time.
JOB SUMMARY:
This employee is responsible for assisting the Commercial Loan Department with the analyzing of financial information provided by businesses and/or individuals that are submitting a request for a Commercial/Business loan to determine the risk that the Credit Union would have with the loan. Prepare cash flow analysis of personal and business tax returns and financial statements. Prepare reports that are based upon the findings that will assist in the decision-making process. Assist in the documentation of the Commercial loan portfolio. Assist in the opening and maintenance of Commercial/Business deposit and loan accounts to ensure that all necessary documentation is obtained.
All employees of State Employees Credit Union are proactive, result driven, and fully committed to the Credit Union's mission and vision. They strive to achieve the highest standards of excellence and consistently exceed the expectations established by Credit Union Management.
Duties/Responsibilities:
  • Take a lead role in the analyses of commercial credit applications and related
  • Responsible for evaluating a borrower's capacity to pay, capital position, economic trends and forecasts in mitigating loan-risk, identifying special risk based on the unique needs of the borrower and the loan, and making recommendations through underwriting to effectively manage commercial credit risk for the
  • Compile, prepare, and present Credit Approval Presentations for loan
  • Interview Commercial & Business members for new accounts and loans.
  • Prepare cash flow analysis of personal and business tax returns and financial statements.
  • Prepare and submit Commercial & Business loan requests for
  • Maintain and review commercial loan maturity report.
  • Collect Commercial & Business loan financial documentation for annual reviews and possible renewals
  • Complete and update Commercial & Business loan
  • Review Commercial & Business loan call report provided by CFO for
  • Keeps abreast of local and national economic, financial, political and legislative events and climates which could have an impact on commercial lending
  • Ensure the Credit Union provides high quality services to its members in lending and related
  • Participates in any other activities deemed necessary to further support the lending functions of State Employees Credit
  • Ensures that all Credit Union policies and procedures are followed, comply with all applicable laws, regulations and have strong working knowledge of
  • Understand compliance issues & attends training as they relate to Commercial Credit Analyst, including, but not limited to Anti-Money Laundering, OFAC, Bank Secrecy Act; Reg P; Patriot Act.
  • Report all suspicious activity to the BSA Compliance Officer, and following policy/procedure as it pertains to the job
  • Performs other duties as assigned.
  • Job Related Travel - As required.
Required Skills/Abilities:
  • Strong interpersonal relationship/communication skills and attention to detail
  • Advanced knowledge in the review of commercial credit applications and borrower capacity to
  • Extensive experience with accounting, financial statements, cash flow, and borrower-risk analysis.
  • Ability to work independently with little supervision as well as in a team environment.
  • Strong analytical
  • Experienced in the appraisal and underwriting of commercial
  • Proficient with the Microsoft Office
Education/Experience:
  • Education or experience equivalent to a bachelor's degree in accounting, Finance, or related field, in addition to 3 plus years of relevant Commercial Credit Analyst experience.
General Requirements:
Must be capable to execute all terms and conditions set forth in the Employee Handbook, including but not limited to:
  • Works in a safety conscious manner which ensures that safe work practices are used in order not to pose a risk to self or others in the workplace.
  • Adheres to policy on Drug Free
  • Complies with company policies and procedures and local, state and federal
Physical Requirements:
  • Prolonged periods of sitting at a desk and working on a
  • Must be able to lift 15 pounds at times.
  • Must be able to access and navigate each department at the organization's

State Employees Credit Union offers a highly competitive benefits package
Applications must be received by Human Resources
State Employees Credit Union of New Mexico is an Equal Opportunity Employer
Equal Opportunity Employer, including disabled and veterans.

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