Financial Service Representative (Loan Officer)

Mountain America Credit Union • St. George, UT

1d • Onsite

About The Position

At Mountain America, the Financial Services Representative (FSR) recognizes and meets member needs by providing quality service through loan servicing transactions and cross-selling products and services in order to help our members achieve their financial dreams. The FSR provides exceptional member service to credit union membership by assessing member needs, advising to improve their financial situation. This includes opening new accounts, servicing existing accounts, and explaining our products and services that best suit our member’s needs and accomplish the credit union objectives. The FSR recognizes member needs, educates on options for managing financial transactions through MACU tools, resources, technology and cross-sells products and services as needs arise through a consultation approach. There is a consistent focus on increasing member satisfaction, building the membership base and account retention. The FSR is expected to meet sales and service goals and uses lead lists to make outbound efforts to call existing membership to provide additional consultation on MACU products and services. The FSR resolves problems by clarifying member complaints, determining the cause of the problem, providing the best solution to resolve the problem, expediting correction or adjustment, and following up to ensure resolution. The FSR follows up with member interactions with thank you notes and phone calls using the MACU New Member Onboarding approach. In Loan Servicing, the FSR originates loans by accepting, reviewing, and approving loan applications. The FSR interviews loan applicants, reviewing credit reports and cross-sells loans. The FSR prepares loan documentation, initiates credit reports and conducts closings for home equity, personal, and auto loans. The FSR complies with all regulations as required by law, including but not limited to Bank Secrecy Act, OFAC, FACT Act, GLBA, Regulation CC (funds availability), Regulation DD (TIS) and other regulations as required by law as it relates to his/her position. The FSR acts as a liaison to Business Services, reaches out to the community through outbound phone calls and by attending SEG events, and performs Teller duties as needed. The FSR represents the credit union in a professional manner, both in dress and in actions, keeps work area neat and clean, and responds to email/voicemail/missed calls/other communication in a timely manner. The FSR actively participates and completes product knowledge courses and complies with all regulations as required by law. Travel to other branches may be required, and other duties may be assigned.

Requirements

• At least one year of retail banking or related sales and customer service experience.
• Ability to satisfy immediate and unexpected needs, by recommending credit union products and services with knowledge and confidence.
• Ability to multi-task and maintain composure while handling all member activities and requests.
• Ability to prepare loan documents and cross-sell financial services of the credit union to ensure quality service.
• Ability to perform mathematical calculations.
• Ability to communicate effectively using written and verbal communication.
• High school diploma or equivalent.
• Basic computer operating skills.
• Beginner to intermediate skills in Microsoft Office (Outlook, Word, Excel).
• Ability to talk, hear, sit, use hands to handle or feel and reach with hands and arms consistently.
• Ability to stand, walk, kneel and crouch occasionally.
• Close vision (clear vision at 20 inches or less).
• Distance Vision (clear vision at 20 feet or more).
• Ability to lift up to 10 pounds consistently and up to 50 pounds occasionally.

Nice To Haves

• Type a minimum of 35 words per minute preferred.
• Symitar experience preferred.
• Thorough knowledge of credit union policies, procedures and regulations.

Responsibilities

• Provides exceptional member service to credit union membership by assessing member needs, advising to improve their financial situation.
• Opens new accounts, services existing accounts, and explains products and services that best suit member needs.
• Recognizes member needs, educates on options for managing financial transactions through MACU tools, resources, technology and cross-sells products and services as needs arise through a consultation approach.
• Increases member satisfaction, builds the membership base and account retention.
• Meets sales and service goals.
• Uses lead lists to make outbound efforts to call existing membership to provide additional consultation on MACU products and services.
• Resolves problems by clarifying member complaints, determining the cause of the problem, providing the best solution to resolve the problem, expediting correction or adjustment, and following up to ensure resolution.
• Follows up with member interactions with thank you notes and phone calls using the MACU New Member Onboarding approach.
• Originates loans by accepting, reviewing, and approving loan applications.
• Interviews loan applicants, reviewing credit report and cross-sells loans.
• Prepares loan documentation, initiates credit reports and conducts closings for home equity, personal, and auto loans.
• Complies with all regulations as required by law.
• Acts as a liaison to Business Services.
• Reaches out to the community through outbound phone calls and by attending SEG events.
• Performs Teller duties as needed.
• Represents the credit union in a professional manner, both in dress and in actions.
• Keeps work area neat and clean.
• Responds to email/voicemail/missed calls/other communication in a timely manner.
• Actively participates and completes product knowledge courses.
• May require travel to other branches.
• Performs other duties as assigned.

Benefits

• Starting competitive pay of $19.00 per hour and can increase depending on experience, plus incentives.
• Performance reviews with opportunities to increase compensation.
• Excellent medical and dental benefits with minimal employee contribution (full time employees).
• Paid time off, volunteer time off, and paid holidays.
• Matching 401K.
• Tuition assistance.
• Professional development.

What This Job Offers

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