Financial Service Representative (Loan Officer) Bilingual English/Spanish Preferred

Mountain America Credit Union • St George, UT

21h • 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 cross-selling products and services to help members achieve their financial goals. The representative provides exceptional service by opening new accounts, servicing existing accounts, explaining suitable products and services, educating members about financial tools and resources, and supporting member satisfaction, membership growth, and account retention. The position is expected to meet sales and service goals and make outbound calls to existing members.

The role originates and services loans, including reviewing and approving applications, interviewing applicants, reviewing credit reports, preparing loan documentation, initiating credit reports, and conducting closings for home equity, personal, and auto loans. It also requires compliance with applicable regulations and completion of required training and certifications.

Other duties include acting as a liaison to Business Services, contacting the community and attending SEG events, performing teller duties as needed, maintaining a professional and organized work area, responding to communications promptly, completing product knowledge courses, and potentially traveling to other branches. The position has no supervisory or managerial responsibilities. The position is located at the St George branch in St George, Utah.

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 needs by confidently recommending credit union products and services.
• 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.
• 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.
• Qualify annually as a Mortgage Loan Originator under S.A.F.E. Act Registration.
• Basic computer operating skills.
• Beginner to intermediate skills in Microsoft Office, including Outlook, Word, and Excel.
• Thorough knowledge of credit union policies, procedures, and regulations.

Nice To Haves

• Bilingual English/Spanish skills; bilingual employees receive an additional $1.00 per hour.
• Typing speed of at least 35 words per minute.
• Symitar experience.

Responsibilities

• Assess members’ needs and advise them on ways to improve their financial situation.
• Open new accounts, service existing accounts, and explain products and services that meet members’ needs and credit union objectives.
• Educate members about MACU tools, resources, technology, and options for managing financial transactions; cross-sell products and services through a consultation approach.
• Work toward member satisfaction, membership growth, account retention, and sales and service goals.
• Use lead lists to make outbound calls to existing members and provide consultations about MACU products and services.
• Resolve member complaints by identifying the cause, providing solutions, expediting corrections or adjustments, and following up to confirm resolution.
• Follow up with members using thank-you notes and phone calls as part of the MACU New Member Onboarding approach.
• Originate loans by accepting, reviewing, and approving 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 appearance 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 regulatory and compliance training.
• Travel to other branches as needed and perform other duties as assigned.

Benefits

• 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