Financial Service Representative (Loan Officer) - Santaquin Branch

Mountain America Credit Union • Santaquin, UT

8d • 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 delivers exceptional service, opens and services accounts, explains relevant products and services, and works to increase member satisfaction, membership growth, and account retention. The position is expected to meet sales and service goals and may require travel to other branches.

The role originates and services loans, including reviewing applications, interviewing applicants, reviewing credit reports, preparing documentation, initiating credit reports, and conducting closings for home equity, personal, and auto loans. It also includes teller duties as needed, community outreach, communication follow-up, product knowledge training, and compliance with applicable laws and regulations. The position has no supervisory or managerial responsibilities.

The role is based at 209 East Main Street, Santaquin, Utah. The schedule is full-time, Monday through Friday from 8:40 a.m. to 6:15 p.m., and Saturdays from 8:40 a.m. to 2:15 p.m. when scheduled, with a weekday off when working a Saturday. Starting pay is $19.00 per hour and may increase based on experience, with incentives.

The physical requirements include consistently talking, hearing, sitting, handling or feeling objects, and reaching with the hands and arms; occasional standing, walking, kneeling, and crouching; and lifting up to 10 pounds consistently and up to 50 pounds occasionally. The work environment has moderate office noise and no unusually environmental factors.

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 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.
• Basic computer operating skills.
• Thorough knowledge of credit union policies, procedures, and regulations.
• Must qualify annually as a Mortgage Loan Originator under the S.A.F.E. Act Registration.
• Complete required training in Mountain America Accounts and Lending, regulatory and compliance topics, Notary Public, and NMLS Certification.

Nice To Haves

• Typing speed of at least 35 words per minute is preferred.
• Symitar experience is preferred.
• Beginner to intermediate skills in Microsoft Office applications, including Outlook, Word, and Excel.

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 suit members’ needs and support credit union objectives.
• Educate members about financial transaction options and MACU tools, resources, and technology; cross-sell products and services as needs arise.
• Work toward member satisfaction, membership growth, account retention, and sales and service goals.
• Use lead lists to contact existing members and consult with them about MACU products and services.
• Resolve member complaints by identifying causes, providing solutions, expediting corrections or adjustments, and following up to ensure resolution.
• Follow up after member interactions with thank-you notes and phone calls using the MACU New Member Onboarding approach.
• Originate loans by accepting, reviewing, and approving loan 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

• 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.
• Performance reviews with opportunities to increase compensation.
• Incentives.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: High school or GED