Financial Service Representative (Loan Officer)

Mountain America Credit Union • American Fork, UT

3d • Onsite

About The Position

The Financial Service Representative (FSR) I assesses members’ financial needs and advises and assists them using Mountain America’s AAA sales philosophy. The role provides member value through account and loan servicing, opening new accounts, explaining products and services, and cross-selling solutions that support members’ financial goals. The representative is expected to meet sales and service goals, build member satisfaction and retention, and resolve member concerns through follow-up.

The position originates and services home equity, personal, and auto loans. Duties include interviewing applicants, reviewing credit reports, preparing loan documents, initiating credit reports, and conducting loan closings. The representative also performs teller duties as needed, supports community outreach, may travel to other branches, and complies with applicable laws, regulations, and credit union policies.

This is a full-time position at the American Fork, Utah location. The schedule is Monday through Friday, 8:40 a.m. to 6:15 p.m., and Saturdays, 8:40 a.m. to 2:15 p.m.; employees receive a weekday off when they work a Saturday. Starting pay is $19.00 per hour and may increase depending on experience, with incentives.

Requirements

• At least 1 year of retail banking or related sales and customer service experience.
• High school diploma or equivalent.
• Valid driver’s license for travel.
• Ability to recommend credit union products and services with knowledge and confidence to meet immediate and unexpected needs.
• Ability to multitask and maintain composure while handling member activities and requests.
• Ability to prepare loan documents and cross-sell financial services.
• Ability to perform mathematical calculations.
• Effective written and verbal communication skills.
• Basic computer operating skills.
• Beginner-to-intermediate skills in Microsoft Office, including Outlook, Word, and Excel.
• Ability to qualify annually as a Mortgage Loan Originator under the S.A.F.E. Act registration requirements.
• Ability to talk, hear, sit, handle or feel objects with the hands, and reach with the hands and arms consistently; ability to stand, walk, kneel, and crouch occasionally.
• Close vision and distance vision.
• Ability to lift up to 10 pounds consistently and up to 50 pounds occasionally.

Nice To Haves

• Ability to type at least 35 words per minute.
• Symitar experience.

Responsibilities

• Assess member needs and provide advice to improve members’ financial situations.
• Open new accounts and service existing accounts; explain products and services suited to members’ needs.
• Educate members on options for managing financial transactions using credit union tools, resources, and technology.
• Cross-sell products and services through a consultative approach and meet sales and service goals.
• Make outbound calls to existing members using lead lists to discuss credit union products and services.
• Resolve member complaints by identifying causes, providing solutions, expediting corrections or adjustments, and following up.
• Follow up with members through thank-you notes and calls using the New Member Onboarding approach.
• Originate loans by accepting, reviewing, and approving applications; interview applicants, review credit reports, and cross-sell loans.
• Prepare loan documentation, initiate credit reports, and conduct closings for home equity, personal, and auto loans.
• Comply with applicable laws and regulations, including Bank Secrecy Act, OFAC, FACT Act, GLBA, Regulation CC, and Regulation DD.
• Act as a liaison to Business Services.
• Conduct community outreach through outbound calls and attendance at SEG events.
• Perform teller duties as needed.
• Represent the credit union professionally and keep the work area neat and clean.
• Respond to email, voicemail, missed calls, and other communications in a timely manner.
• Participate in and complete product knowledge courses and required training.
• Travel to other branches as needed.
• Perform other duties as assigned.

Benefits

• Starting pay of $19.00 per hour, potentially higher depending on experience, plus incentives.
• Performance reviews with opportunities to increase compensation.
• Medical and dental benefits with minimal employee contribution for full-time employees.
• Paid time off.
• Volunteer time off.
• Paid holidays.
• Matching 401(k).
• Tuition assistance.
• Professional development.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: High school or GED