Financial Service Representative (Loan Officer)

Mountain America Credit Union • American Fork, UT

4d • Onsite

About The Position

The Financial Service Representative (FSR) I assesses and meets credit union members’ financial needs by using the AAA approach—assess, advise, and assist. The role delivers member service through loan servicing transactions, account opening and servicing, and consultation about relevant products and services. Representatives are expected to meet sales and service goals while helping members improve their financial situations and achieve their financial goals.

The position is based at 893 W State Road, American Fork, Utah. The full-time 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. when scheduled, with a weekday off when working a Saturday. Starting pay is $19 per hour and may increase based on experience, with incentives available. The role may require travel to other branches.

Requirements

• At least 1 year of retail banking or related sales and customer service experience.
• Ability to recommend credit union products and services with knowledge and confidence while addressing immediate and unexpected member needs.
• Ability to multitask and remain composed while handling member activities and requests.
• Ability to prepare loan documents and cross-sell credit union financial services.
• Ability to perform mathematical calculations.
• Effective written and verbal communication skills.
• High school diploma or equivalent.
• Valid driver’s license for travel.
• Complete Mountain America Accounts and Lending training and required regulatory and compliance training.
• Obtain Notary Public and NMLS certifications 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.

Nice To Haves

• Type at least 35 words per minute.
• Symitar experience.

Responsibilities

• Provide exceptional member service by assessing member needs and advising them on financial options.
• Open new accounts, service existing accounts, and explain products and services suited to members’ needs and credit union objectives.
• Educate members on financial transaction options using credit union tools, resources, and technology; cross-sell products and services through a consultation approach.
• Focus on member satisfaction, membership growth, account retention, and meeting sales and service goals.
• Use lead lists to make outbound calls to existing members and provide consultation about products and services.
• Resolve member complaints by identifying causes, providing solutions, arranging corrections or adjustments, and following up.
• Follow up with members through thank-you notes and phone calls using the New Member Onboarding approach.
• Originate loans by accepting, reviewing, and approving loan applications.
• Interview loan 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.
• Reach out to the community through outbound calls and attendance at SEG events.
• Perform teller duties as needed.
• Represent the credit union professionally in appearance and conduct; keep the work area neat and clean.
• Respond promptly to email, voicemail, missed calls, and other communications.
• Participate in and complete product knowledge courses and required compliance training.
• Travel to other branches when required.
• Perform other duties as assigned.

Benefits

• Starting pay of $19 per hour, with possible 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, and 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