Hudson Valley Credit Union is currently recruiting for the position of Supervisor Real Estate Loan Servicing. The sucessful candidate will supervise the daily operations and staff related to the servicing of residential mortgages, including residential tax/insurance escrow functions and homeowner’s insurance tracking and maintenance. Coordinate the workflow for assigned personnel, sets deadlines, ensure procedures are compliant with state and federal lending regulations and secondary market investor guidelines are followed. Review the residential mortgage servicing area processes and procedures for continuous improvement.

• Provide supervision, coaching, and training, development, and performance evaluations of staff. Handle all human resource needs of department employees. Measure and coach staff regarding productivity, quality, member service expectations and goals. Conduct regular department meetings, one-on-one meetings and training sessions. Ensure team possesses a high level of individual accountability for delivering results within attainable deadlines and industry and regulatory standards. Interviews and hire new staff as needed.
• Ensure tax/insurance payments are made on time and valid insurance is properly in place for the life of the loan to minimize risk and liability. Establish, review and maintain member escrow accounts where applicable. Coordinate with outside legal counsel in review and preparation of Subordination Agreements, Assignments of Mortgage, deed changes and Partial Release of mortgaged premise. Review and approve releasing of funds for residential renovation loans and insurance claims. Ensure Lien Releases, and Satisfactions of Mortgage are prepared within the allotted time frame required by state and federal law and regulations.
• Ensure proper record retention and that loan documentation is maintained, and loans are being properly processed and serviced. Interfaces with the various external vendors that support servicing activities, for example: hazard insurance/collateral protection, tax monitoring, flood insurance and private mortgage insurance.
• Create and implement department procedures and staff developmental plans. Continuously review and update procedures and forms for compliance and accuracy. Implement necessary changes to improve efficiency for the effectiveness of the department and disseminate information to staff.
• Responsible for coordination of Real Estate Servicing daily, weekly, monthly, quarterly, annual and year end reports including IRS reporting, Escrow Analysis and member statements. Ensure servicing software compatibility and compliance to areas within the Credit Union; IT, Accounting, Member Debt Solutions, Branches, Compliance, Internal Audit.
• Establish, monitor and ensure that service level agreements related to mortgage servicing functions are met.
• Work with other departments including Real Estate Processing, Underwriting, Closing, Secondary Market and Member Debt Solutions to ensure data integrity for loans boarded into the mortgage servicing system.
• Responsible for resolution of member issues in a timely manner. The supervisor contributes to the process to ensure overall member statisfaction.
• Ensure compliance with Credit Union policies and procedures as well as federal and state regulatory and Investor requirements. Perform research and respond to internal audit and external audit requests.
• Serve as the back up to the Real Estate Lending Manager and acts on his/her behalf.
  
• Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained knowledge. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional duties and special projects as assigned.
  
• Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism.
  
• Responsible for regular and predictable attendance including punctuality.
  

• High School Diploma, General Education Development (GED) certificate, or state authorized high school equivalent certificate; or a current high school senior in possession of a certificate of satisfactory academic standing required.
• Associate's Degree preferred.
• Minimum 2 years experience in lending, preferably in mortgage lending or loan servicing, required.
• Minimum 1 year supervisory leadership or similar work experience experience required.

Click here to view full job description

Why choose HVCU?

HVCU cares for our employees, members, and community. We actively seek to create an inclusive workforce by hiring people with diverse perspectives and experiences. We celebrate and embrace what makes each of us different and foster an environment where everyone feels that they belong. In commitment to our diversity, equity, and inclusion mission, we encourage members of historically underrepresented communities to apply, including those who identify as women, minorities, veterans, disabled and LGBTQ+.

Employee Perks:

• HVCU University & Academy; Professional Development Training
• Student Loan Repayment & Tuition Reimbursement Programs
• Medical, Dental, and Vision coverage 
• 401(k) with employer match and non-elective employer contribution
• Paid time off (PTO), holidays, and community volunteer time
• Life, Short-Term, and Long-Term Disability Insurance
• Discounted Loan Rates & Fees 

Hudson Valley Credit Union is an AA/EEO employer committed to equal opportunity and employee diversity. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, sexual orientation, gender identity, the status of being transgender, national origin, disability, military or veteran status, genetic information, marital or familial status, domestic violence victim status, or any other characteristic protected by law.

• High School Diploma, General Education Development (GED) certificate, or state authorized high school equivalent certificate; or a current high school senior in possession of a certificate of satisfactory academic standing required.
• Associate's Degree preferred.
• Minimum 2 years experience in lending, preferably in mortgage lending or loan servicing, required.
• Minimum 1 year supervisory leadership or similar work experience experience required.

Click here to view full job description

Why choose HVCU?

HVCU cares for our employees, members, and community. We actively seek to create an inclusive workforce by hiring people with diverse perspectives and experiences. We celebrate and embrace what makes each of us different and foster an environment where everyone feels that they belong. In commitment to our diversity, equity, and inclusion mission, we encourage members of historically underrepresented communities to apply, including those who identify as women, minorities, veterans, disabled and LGBTQ+.

Employee Perks:

• HVCU University & Academy; Professional Development Training
• Student Loan Repayment & Tuition Reimbursement Programs
• Medical, Dental, and Vision coverage 
• 401(k) with employer match and non-elective employer contribution
• Paid time off (PTO), holidays, and community volunteer time
• Life, Short-Term, and Long-Term Disability Insurance
• Discounted Loan Rates & Fees 

Hudson Valley Credit Union is an AA/EEO employer committed to equal opportunity and employee diversity. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, sexual orientation, gender identity, the status of being transgender, national origin, disability, military or veteran status, genetic information, marital or familial status, domestic violence victim status, or any other characteristic protected by law.

• Provide supervision, coaching, and training, development, and performance evaluations of staff. Handle all human resource needs of department employees. Measure and coach staff regarding productivity, quality, member service expectations and goals. Conduct regular department meetings, one-on-one meetings and training sessions. Ensure team possesses a high level of individual accountability for delivering results within attainable deadlines and industry and regulatory standards. Interviews and hire new staff as needed.
• Ensure tax/insurance payments are made on time and valid insurance is properly in place for the life of the loan to minimize risk and liability. Establish, review and maintain member escrow accounts where applicable. Coordinate with outside legal counsel in review and preparation of Subordination Agreements, Assignments of Mortgage, deed changes and Partial Release of mortgaged premise. Review and approve releasing of funds for residential renovation loans and insurance claims. Ensure Lien Releases, and Satisfactions of Mortgage are prepared within the allotted time frame required by state and federal law and regulations.
• Ensure proper record retention and that loan documentation is maintained, and loans are being properly processed and serviced. Interfaces with the various external vendors that support servicing activities, for example: hazard insurance/collateral protection, tax monitoring, flood insurance and private mortgage insurance.
• Create and implement department procedures and staff developmental plans. Continuously review and update procedures and forms for compliance and accuracy. Implement necessary changes to improve efficiency for the effectiveness of the department and disseminate information to staff.
• Responsible for coordination of Real Estate Servicing daily, weekly, monthly, quarterly, annual and year end reports including IRS reporting, Escrow Analysis and member statements. Ensure servicing software compatibility and compliance to areas within the Credit Union; IT, Accounting, Member Debt Solutions, Branches, Compliance, Internal Audit.
• Establish, monitor and ensure that service level agreements related to mortgage servicing functions are met.
• Work with other departments including Real Estate Processing, Underwriting, Closing, Secondary Market and Member Debt Solutions to ensure data integrity for loans boarded into the mortgage servicing system.
• Responsible for resolution of member issues in a timely manner. The supervisor contributes to the process to ensure overall member statisfaction.
• Ensure compliance with Credit Union policies and procedures as well as federal and state regulatory and Investor requirements. Perform research and respond to internal audit and external audit requests.
• Serve as the back up to the Real Estate Lending Manager and acts on his/her behalf.
  
• Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained knowledge. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional duties and special projects as assigned.
  
• Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism.
  
• Responsible for regular and predictable attendance including punctuality.
  

Administrative Assistant

R00030461

Poughkeepsie, NY

Department

Career Development

Vassar College is deeply committed to providing equal employment opportunities to all applicants and employees by promoting an environment of transparency and respect for differences. We welcome applications from individuals of all backgrounds who meet the qualifications of a posting. If you need to request an accommodation to fully participate in the search process, please contact mailto:careers@vassar.edu.

Job Description

Position Summary

The Administrative Assistant assists with a variety of activities within the Center for Career Education (CCE), and is the first point of contact for visitors and callers. The Administrative Assistant interacts regularly with students, alums, faculty, employers, administrative offices, and academic departments. This position serves as the chief support person for handling arrangements for workshops and events, triaging and responding to emails in a timely fashion, ensuring that students/alums are receiving assistance promptly, and providing overall support to the operations of the CCE.

Responsibilities

• Serve as the front line of support for reception/front desk interactions to create a friendly and welcoming office environment: check in, schedule and route student/alum appointments; answer phones and screen incoming calls and mail, maintain office supplies. Serve as incoming emails to the department and route to the appropriate staff member.

• Provide administrative assistance for meetings, calls, and events; maintain filing systems and department calendars.

• Support maintenance scheduled and issues associated with department facilities and equipment, communicate updates to department and facilities/vendors.

• Support in organizing events, including scheduling, room reservations, completing tasks identified by an event plan, using templates to make name tags, event programs, or other event collateral, communicating with vendors and participants, and ordering food or supplies.

• Assist with arrangements for department guests, such as travel reimbursements and setting up accommodations.

• Communicate in multiple modes with department members, vendors, on-campus offices, alumnae/i, volunteers, and/or other off-campus partners to complete departmental tasks.

• Responsible for data entry (eg, logging email consultations with counselors and students), electronic file maintenance (eg, creating and updating alum accounts in systems), and running standard reports.

• Supports the budget operations of the office/department: process invoices and reconcile departmental purchases; track and compare planned budget to actual expenses; provide notice if out of alignment.

• Responsible for supervision of student employees, which may include posting of position, hiring, training, task assignments, providing feedback, and timesheet approvals.

Required knowledge, skills and abilities

• A minimum of two years of administrative support experience or other work experience.

• Strong computer skills including proficiency with Google Suite and Microsoft Office, and ability to learn additional technical systems.

• Strong written and verbal communication skills.

• Ability to interact effectively with a diverse community.

• Ability to exercise discretion and maintain confidentiality.

• Ability to sit or stand for extended periods of time.

• Ability to interact socially with others and to create a welcoming office environment.

Preferred knowledge, skills and abilities

• Four years of administrative support experience.

• Experience working with software systems including finance and accounting systems, payroll, student information systems, or customer relationship management systems.

Hourly rate: $18.15 per hour

To apply, visit https://apptrkr.com/6302270.

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Hudson Valley Credit Union is currently recruiting for the position of Budget Analyst. Primary Function: Collaborate with key stakeholders across the organization to drive accountability and transparency in budgeting, spending, and expense monitoring.  

• Monitor and analyze financial information related to the budget and compile data, trends and commentary to provide financial insights and support decision-making. Collaborate with stakeholders to ensure action is taken and adjustments are made as necessary.
• Analyze financial data, trends, and performance metrics against budget targets to identify areas of opportunity and potential risks. Utilizes various financial modeling techniques to forecast future financial performance.
• Track and report capital expenditure and project related expenses to ensure the Credit Union is within the budget.
• Assist the Controller in preparation of HVCU’s budget. Maintain comprehensive documentation of budget processes, assumptions, and methodologies to ensure accuracy.
• Continuously review and enhance the budgeting process, tools, and methodologies to improve efficiency and accuracy. Implement best practices and leverage technology solutions to streamline workflows and enhance data integrity.
• Serve as administrator of the budget software system(s)
• Maintain peer-to-peer informational databases and create custom peer reports as necessary.
• Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained knowledge. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional duties and special projects as assigned.
  
• Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism.
  
• Responsible for regular and predictable attendance including punctuality.
  

• Associate’s Degree required
• Minimum 2 Years Accounting/Finance experience required

Click here to view the full job description.

Why choose HVCU?

HVCU cares for our employees, members, and community. We actively seek to create an inclusive workforce by hiring people with diverse perspectives and experiences. We celebrate and embrace what makes each of us different and foster an environment where everyone feels that they belong. In commitment to our diversity, equity, and inclusion mission, we encourage members of historically underrepresented communities to apply, including those who identify as women, minorities, veterans, disabled and LGBTQ+.

Employee Perks:

• HVCU University & Academy; Professional Development Training
• Student Loan Repayment & Tuition Reimbursement Programs
• Medical, Dental, and Vision coverage (coverage starting as low as $20 per month)
• 401(k) with employer match and non-elective employer contribution
• Paid time off (PTO), holidays, and community volunteer time
• Life, Short-Term, and Long-Term Disability Insurance
• Discounted Loan Rates & Fees 

Hudson Valley Credit Union is an AA/EEO employer committed to equal opportunity and employee diversity. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, sexual orientation, gender identity, the status of being transgender, national origin, disability, military or veteran status, genetic information, marital or familial status, domestic violence victim status, or any other characteristic protected by law.

• Associate’s Degree required
• Minimum 2 Years Accounting/Finance experience required

Click here to view the full job description.

Why choose HVCU?

HVCU cares for our employees, members, and community. We actively seek to create an inclusive workforce by hiring people with diverse perspectives and experiences. We celebrate and embrace what makes each of us different and foster an environment where everyone feels that they belong. In commitment to our diversity, equity, and inclusion mission, we encourage members of historically underrepresented communities to apply, including those who identify as women, minorities, veterans, disabled and LGBTQ+.

Employee Perks:

• HVCU University & Academy; Professional Development Training
• Student Loan Repayment & Tuition Reimbursement Programs
• Medical, Dental, and Vision coverage (coverage starting as low as $20 per month)
• 401(k) with employer match and non-elective employer contribution
• Paid time off (PTO), holidays, and community volunteer time
• Life, Short-Term, and Long-Term Disability Insurance
• Discounted Loan Rates & Fees 

Hudson Valley Credit Union is an AA/EEO employer committed to equal opportunity and employee diversity. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, sexual orientation, gender identity, the status of being transgender, national origin, disability, military or veteran status, genetic information, marital or familial status, domestic violence victim status, or any other characteristic protected by law.

• Monitor and analyze financial information related to the budget and compile data, trends and commentary to provide financial insights and support decision-making. Collaborate with stakeholders to ensure action is taken and adjustments are made as necessary.
• Analyze financial data, trends, and performance metrics against budget targets to identify areas of opportunity and potential risks. Utilizes various financial modeling techniques to forecast future financial performance.
• Track and report capital expenditure and project related expenses to ensure the Credit Union is within the budget.
• Assist the Controller in preparation of HVCU’s budget. Maintain comprehensive documentation of budget processes, assumptions, and methodologies to ensure accuracy.
• Continuously review and enhance the budgeting process, tools, and methodologies to improve efficiency and accuracy. Implement best practices and leverage technology solutions to streamline workflows and enhance data integrity.
• Serve as administrator of the budget software system(s)
• Maintain peer-to-peer informational databases and create custom peer reports as necessary.
• Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained knowledge. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional duties and special projects as assigned.
  
• Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism.
  
• Responsible for regular and predictable attendance including punctuality.
  

Hudson Valley Credit Union is currently recruiting for the position of Mortgage Loan Originator. Primary Function: sales position responsible for presenting and selling specific mortgage loan programs to members and potential members that are appropriate for their individual financial circumstances. This position assists in completing the process of obtaining a mortgage loan in accordance with Credit Union and regulatory guidelines. The Mortgage Loan Officer will be responsible for developing new business opportunities through networking, such as realtor relations, meet or exceed established member service levels, loan quality and loan production goals. Base Salary $45,000 + Commissions 

• Responsible for the development and maintenance of external relationships for referral sources within the community including, but not limited to, realtors, builders and other affinity groups. Utilize various techniques including cold-calling, letter writing and group presentations. Attend functions relative to the position to build rapport within the community.
  
• Provide excellent member service by responding to and following up on customer inquiries and leads from all sources based on HVCU’s service agreement. Responsible for managing a flexible work schedule, which allows for meeting members and potential members, as well as, networking and other relevant events.
  
• Recommend Credit Union mortgage loan products to members that would best serve them, advising them of the risks and benefits of the loan alternatives, including options and variables involved.
  
• Maintain superior knowledge of the variety of mortgage loan products and services offered and attend meetings and training programs as required by the Credit Union in order to maintain this level of experience and knowledge.
  
• Collect and analyze member’s financial information and assess their financial circumstances to determine whether the member and the property qualify for a particular loan; this includes member’s income, assets, investments, debts, credit history as well as characteristics of the property and other pertinent information.
  
• Follow up with members as necessary to obtain required documentation. Provide assistance as required to the Processing and/or Underwriting areas in order to ensure a quality loan decision.
  
• Based on member need, identify opportunities for referral to other Credit Union products and services including, but not limited to, Hudson Valley Credit Union Insurance Services, HVCU Financial Services, HVCU Business Services and HVCU branch services.
  
• Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained knowledge. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional duties and special projects as assigned.
  
• Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism.
  
• Responsible for regular and predictable attendance including punctuality.
  

• Associate’s Degree or at least 2 years equivalent experience for each undergraduate year not completed; undergraduate degree cannot substitute for minimum number of years of experience required
• Bachelor’s Degree preferred
• Registration with the National Mortgage Licensing System and Registry (NMLS) required
• Valid driver’s license required
• Minimum 2 Years Experience in financial services experience required

Click here to view full job description

Why choose HVCU?

HVCU cares for our employees, members, and community. We actively seek to create an inclusive workforce by hiring people with diverse perspectives and experiences. We celebrate and embrace what makes each of us different and foster an environment where everyone feels that they belong. In commitment to our diversity, equity, and inclusion mission, we encourage members of historically underrepresented communities to apply, including those who identify as women, minorities, veterans, disabled and LGBTQ+.

Employee Perks:

• HVCU University & Academy; Professional Development Training
• Student Loan Repayment & Tuition Reimbursement Programs
• Medical, Dental, and Vision coverage
• 401(k) with employer match and non-elective employer contribution
• Paid time off (PTO), holidays, and community volunteer time
• Life, Short-Term, and Long-Term Disability Insurance
• Discounted Loan Rates & Fees 

Hudson Valley Credit Union is an AA/EEO employer committed to equal opportunity and employee diversity. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, sexual orientation, gender identity, the status of being transgender, national origin, disability, military or veteran status, genetic information, marital or familial status, domestic violence victim status, or any other characteristic protected by law.

• Associate’s Degree or at least 2 years equivalent experience for each undergraduate year not completed; undergraduate degree cannot substitute for minimum number of years of experience required
• Bachelor’s Degree preferred
• Registration with the National Mortgage Licensing System and Registry (NMLS) required
• Valid driver’s license required
• Minimum 2 Years Experience in financial services experience required

Click here to view full job description

Why choose HVCU?

HVCU cares for our employees, members, and community. We actively seek to create an inclusive workforce by hiring people with diverse perspectives and experiences. We celebrate and embrace what makes each of us different and foster an environment where everyone feels that they belong. In commitment to our diversity, equity, and inclusion mission, we encourage members of historically underrepresented communities to apply, including those who identify as women, minorities, veterans, disabled and LGBTQ+.

Employee Perks:

• HVCU University & Academy; Professional Development Training
• Student Loan Repayment & Tuition Reimbursement Programs
• Medical, Dental, and Vision coverage
• 401(k) with employer match and non-elective employer contribution
• Paid time off (PTO), holidays, and community volunteer time
• Life, Short-Term, and Long-Term Disability Insurance
• Discounted Loan Rates & Fees 

Hudson Valley Credit Union is an AA/EEO employer committed to equal opportunity and employee diversity. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, sexual orientation, gender identity, the status of being transgender, national origin, disability, military or veteran status, genetic information, marital or familial status, domestic violence victim status, or any other characteristic protected by law.

• Responsible for the development and maintenance of external relationships for referral sources within the community including, but not limited to, realtors, builders and other affinity groups. Utilize various techniques including cold-calling, letter writing and group presentations. Attend functions relative to the position to build rapport within the community.
  
• Provide excellent member service by responding to and following up on customer inquiries and leads from all sources based on HVCU’s service agreement. Responsible for managing a flexible work schedule, which allows for meeting members and potential members, as well as, networking and other relevant events.
  
• Recommend Credit Union mortgage loan products to members that would best serve them, advising them of the risks and benefits of the loan alternatives, including options and variables involved.
  
• Maintain superior knowledge of the variety of mortgage loan products and services offered and attend meetings and training programs as required by the Credit Union in order to maintain this level of experience and knowledge.
  
• Collect and analyze member’s financial information and assess their financial circumstances to determine whether the member and the property qualify for a particular loan; this includes member’s income, assets, investments, debts, credit history as well as characteristics of the property and other pertinent information.
  
• Follow up with members as necessary to obtain required documentation. Provide assistance as required to the Processing and/or Underwriting areas in order to ensure a quality loan decision.
  
• Based on member need, identify opportunities for referral to other Credit Union products and services including, but not limited to, Hudson Valley Credit Union Insurance Services, HVCU Financial Services, HVCU Business Services and HVCU branch services.
  
• Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained knowledge. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional duties and special projects as assigned.
  
• Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism.
  
• Responsible for regular and predictable attendance including punctuality.