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

Mountain America Credit Union • Reno, NV

2d • Onsite

About The Position

The Financial Service Representative (FSR) I assesses and meets members’ financial needs by applying AAA skills to assess, advise, and assist. The role provides member value through loan servicing transactions and cross-selling products and services. The position is based at the Reno Branch and is scheduled full-time, Monday through Friday, 8:40 a.m. to 6:15 p.m. Bilingual English/Spanish skills are preferred but not required.

The representative delivers member service, opens and services accounts, explains suitable products and services, supports financial transactions, and works toward sales and service goals. Loan duties include originating, reviewing, and approving applications; interviewing applicants; reviewing credit reports; preparing documentation; and conducting closings for home equity, personal, and auto loans. The role also performs teller duties as needed, may travel to other branches, and must comply with applicable laws, regulations, and credit union procedures.

The position requires at least one year of retail banking or related sales and customer service experience and a high school diploma or equivalent. A valid driver’s license is required for travel. Required training includes Mountain America Accounts and Lending, regulatory and compliance training, Notary Public, and NMLS Certification. The employee must qualify annually as a Mortgage Loan Originator under the S.A.F.E. Act Registration. Starting pay is $19.00 per hour, potentially higher depending on experience, plus incentives.

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 meet immediate and unexpected member 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 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 skills in Microsoft Office, including Outlook, Word, and Excel.
• Completion of Mountain America Accounts and Lending training and required regulatory and compliance training.
• Notary Public training or qualification.
• NMLS Certification.
• Ability to qualify annually as a Mortgage Loan Originator under S.A.F.E. Act Registration.
• Ability to talk, hear, sit, use hands to handle or feel, and reach with hands and arms consistently; stand, walk, kneel, and crouch occasionally.
• Close vision and distance vision.
• Ability to lift up to 10 pounds consistently and up to 50 pounds occasionally.

Nice To Haves

• Bilingual English/Spanish skills.
• 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 suited to members’ needs.
• Educate members about options for managing financial transactions using credit union tools, resources, and technology; cross-sell products and services as needs arise.
• Work toward sales and service goals, member satisfaction, membership growth, and account retention.
• Use lead lists to contact existing members and provide consultations about credit union products and services.
• Resolve member complaints by identifying the cause, providing a solution, 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 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.
• Perform other duties as assigned.

Benefits

• Starting pay of $19.00 per hour, potentially higher depending 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