At First Financial, we deeply value the dedication and hard work of our employees, who play a crucial role in making our services personalized and impactful. Their commitment to our members and the community is what sets us apart. In this spirit, we are thrilled to shine the spotlight on another one of our remarkable team members of 32 years – Nancy Culp, Chief Lending Officer. Nancy’s passion for service and her unwavering dedication to our members’ financial well-being, truly embodies what First Financial is all about. Her approach to banking is deeply rooted in the values of community and personalized touch. Nancy goes beyond loan transactions – she is passionate about building relationships and a close-knit, hometown feel that fosters trust. Keep reading to check out our interview with Nancy.

What was your background/work or education experience in your field before you began working at the credit union? I can hardly remember my life before the credit union. Prior to that I was a collections supervisor for the First National Bank of Toms River. I attended Ocean County College and Seton Hall University.

Can you walk us through one of your most important tasks and explain why it’s significant for our members? The credit union is all about members, as a cooperative the more members we have sharing in these benefits makes us different than big banks. Giving our members great service and products gives me personal satisfaction. Knowing that I make a difference in someone’s financial life is what drives me.

What personal values do you bring to your role here at the credit union and how do you see these values reflected in the work of First Financial? I believe the most important values I bring to my role are authenticity, determination, ethics and leadership. Team work in the organization has been tremendous.

Can you describe the team you work with and how you collaborate? The key to working with my different teams (the Branches and Loan Department) is constant communication.

What’s the best thing about being part of the team at First Financial? Each team member brings something to the table. First Financial is like a family and that translates to the personalized service we give to our members every day.

In your opinion, what sets First Financial apart from other financial institutions?Personalized service, and quick turnaround on questions and lending. Our employees really care about the members.

What’s something unique or surprising about you that members or other co-workers might not know? I am an amateur astronomer and an avid photographer.

If you could give one piece of financial advice to our members, what would it be?Don’t spend more than you can afford and always have an emergency fund.

Nancy’s vision for First Financial is clear – to build lasting relationships based on trust and financial education. By focusing on the well-being of our members and offering a listening ear, Nancy and her team ensure that our members feel valued and understood. We invite you to learn more about First Financial and how we, guided by employees like Nancy – are dedicated to providing exceptional service and support to our members. Visit our website to discover the First Financial difference.

Want to join the team at First Financial? Check out our careers webpage and apply online for current employment opportunities.

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