Financial Service Representative (Loan Officer) Bilingual Preferred

Mountain America Credit Union•Queen Creek, AZ

1d•Onsite

About The Position

The Financial Service Representative (FSR) I assesses and meets members’ financial needs by using AAA skills to assess, advise, and assist. The role provides value through loan servicing transactions and by recommending additional products and services to help members achieve their financial goals. FSRs are expected to provide exceptional service, meet sales and service goals, and help build member satisfaction, membership, and account retention. The position is based at the Combs Road Branch in Queen Creek, Arizona. The schedule is full time, Monday through Friday from 8:40 a.m. to 6:15 p.m., with rotating Saturdays from 8:4 a.m. to 2:15 p.m. Starting pay is $19.00 per hour, with potential increases based on experience, incentives, a $2.00-per-hour Arizona branch location allowance, and an additional $1.00 for helping in Spanish. The FSR opens and services accounts, advises members on products and services, originates and services loans, prepares loan documentation, and performs teller duties as needed. The role also involves member outreach, timely follow-up, community engagement, regulatory compliance, and possible travel to other branches. No supervisory or managerial responsibilities are assigned.

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 members’ immediate and unexpected needs.
Ability to multitask and maintain composure 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.
Thorough knowledge of credit union policies, procedures, and regulations.
Basic computer operating skills.
Beginner to intermediate proficiency in Microsoft Outlook, Word, and Excel.
Completion of Mountain America accounts and lending training and required regulatory and compliance training.
Notary Public training.
NMLS Certification.
Ability to qualify annually as a Mortgage Loan Originator under the S.A.F.E. Act Registration.
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) and 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

Bilingual ability, particularly Spanish, is preferred.
Ability to type at least 35 words per minute is preferred.
Symitar experience is preferred.

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 Mountain America tools, resources, and technology, and recommend additional products and services through a consultation approach.
Work toward sales and service goals, member satisfaction, membership growth, and account retention.
Use lead lists to make outbound calls to existing members about Mountain America products and services.
Resolve member complaints by identifying causes, providing solutions, expediting corrections or adjustments, and following up.
Follow up with members using thank-you notes and phone calls in accordance with 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 documents, 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 dress and conduct, and keep the work area neat and clean.
Respond to emails, 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 may be required.
Perform other duties as assigned.

Benefits

Excellent medical and dental benefits with minimal employee contribution for full-time employees.
Paid time off.
Volunteer time off.
Paid holidays.
Matching 401K.
Tuition assistance.
Professional development.
Performance reviews with opportunities to increase compensation.
Incentives.
Additional $2.00 per hour location allowance at Arizona branches.
Additional $1.00 for helping in Spanish.