Financial Service Representative (Loan Officer) - Payson Branch

Mountain America Credit Union • Payson, UT

10d • Onsite

About The Position

The Financial Service Representative (FSR) I assesses members’ financial needs and advises and assists them using Mountain America’s AAA service approach. The role provides value through loan servicing transactions, account services, and consultation-based recommendations of products and services. The position is expected to support member satisfaction, membership growth, account retention, and sales and service goals.

The role originates and services loans, including home equity, personal, and auto loans. Responsibilities include interviewing applicants, reviewing credit reports, preparing loan documentation, initiating credit reports, and conducting loan closings. The representative must comply with applicable laws and regulations and complete required product, lending, and compliance training.

This full-time position is at the Payson branch, located at 818 South State Highway 198, Payson, UT 84651. 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.
• Ability to meet immediate and unexpected member needs by recommending credit union products and services with knowledge and confidence.
• Ability to multitask and maintain composure while handling member activities and requests.
• Ability to prepare loan documents and cross-sell financial services while providing quality service.
• Ability to perform mathematical calculations.
• Effective written and verbal communication skills.
• Valid driver’s license for travel.
• Complete Mountain America Accounts and Lending training and required regulatory and compliance training.
• Complete Notary Public and NMLS certification requirements and qualify annually as a Mortgage Loan Originator under the S.A.F.E. Act Registration.
• Basic computer operating skills.
• Thorough knowledge of credit union policies, procedures, and regulations.
• Able to talk, hear, sit, use hands to handle or feel, and reach with hands and arms consistently; stand, walk, kneel, and crouch occasionally.
• Close vision and distance vision.
• Able to lift up to 10 pounds consistently and up to 50 pounds occasionally.

Nice To Haves

• Bilingual English/Spanish skills.
• Type at least 35 words per minute.
• Symitar experience.
• Beginner to intermediate skills in Microsoft Outlook, Word, and Excel.

Responsibilities

• Assess member needs and advise members on ways to improve their financial situation.
• Open new accounts, service existing accounts, and explain products and services suited to members’ needs and credit union objectives.
• Educate members about financial transaction options using credit union tools, resources, and technology; recommend and cross-sell products and services as needs arise.
• Work toward sales and service goals, member satisfaction, membership growth, and account retention.
• Use lead lists to contact existing members and provide consultations about credit union products and services.
• Resolve member complaints by identifying the cause, providing or arranging a solution, and following up to confirm resolution.
• Follow up on member interactions with 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 requirements.
• Act as a liaison to Business Services and to Loan Underwriters and Title Specialists.
• Reach out to the community through outbound calls and attendance at SEG events.
• Perform teller duties as needed.
• Represent the credit union professionally in dress and conduct; 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 when required.
• Perform other duties as assigned.

Benefits

• Competitive starting pay of $19.00 per hour, with potential increases based 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