Financial Service Representative (Loan Officer)

Mountain America Credit Union • Springville, UT

3d • Onsite

About The Position

Mountain America Credit Union’s Financial Services Representative (FSR) recognizes and meets member needs by providing quality service through loan servicing transactions and cross-selling products and services to help members achieve their financial dreams. The role provides exceptional member service, assesses members’ financial needs, advises them on ways to improve their financial situations, and supports account growth and retention. It originates and services loans, supports teller activities as needed, and complies with applicable laws and credit union regulations.

The position is based at 1183 West 400 South, Springville, Utah 84663. The schedule is full-time, Monday through Friday, 8:40 a.m. to 6:15 p.m., with rotating Saturdays from 8:40 a.m. to 2:15 p.m. Starting pay is $19.00 per hour, with the possibility of a higher rate depending on experience, plus incentives. The role may require travel to other branches. It is not eligible to be performed in Colorado or Connecticut, either remotely or in person.

Requirements

• At least one year of retail banking or related sales and customer service experience.
• High school diploma or equivalent.
• Ability to recommend credit union products and services with knowledge and confidence to meet immediate and unexpected member 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.
• 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 and distance vision.
• Ability to lift up to 10 pounds consistently and up to 50 pounds occasionally.
• Must qualify annually as a Mortgage Loan Originator under SAFE Act Registration.
• Complete the MSR Certification Package, including Teller Follow-up Training and MSR Sales Certification, during the first 90 days.
• Complete annual FSR Certification Training, generally during the first 90 days, including New Account Training, IRA Training, Loan Training, Loan Follow-up Training, Notary Public, and NMLS Certification.

Nice To Haves

• Type at least 35 words per minute.
• Symitar experience.
• Beginner to intermediate Microsoft Office skills, including Outlook, Word, and Excel.

Responsibilities

• Assess member needs and provide exceptional service, advice, and financial guidance.
• 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, and cross-sell products and services through a consultative approach.
• Work toward sales and service goals, member satisfaction, membership growth, and account retention.
• Use lead lists to contact existing members and offer consultation on credit union products and services.
• Resolve member complaints by identifying the issue, providing a solution, expediting corrections or adjustments, and following up to ensure resolution.
• 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 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.
• 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 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 and 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