Financial Service Representative (Loan Officer)

Mountain America Credit Union • Meridian, ID

17d • 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 member value through loan servicing transactions and consultation-based cross-selling of credit union products and services. The position is based at the Meridian Franklin Rd Branch in Meridian, Idaho. The schedule is Monday through Friday, 8:40 a.m. to 6:15 p.m., and Saturdays, 8:40 a.m. to 2:15 p.m.; employees receive a weekday off when they work a Saturday.

The FSR provides member service, opens and services accounts, originates loans, prepares loan documents, and supports branch and community activities. The position requires compliance with applicable laws and regulations, completion of required training, and the ability to travel to other branches when needed. There are no supervisory or managerial responsibilities.

Requirements

• At least 1 year of retail banking or related sales and customer service experience.
• High school diploma or equivalent.
• Ability to satisfy immediate and unexpected needs by recommending credit union products and services with knowledge and confidence.
• 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.
• 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.
• Ability to lift up to 10 pounds consistently and up to 50 pounds occasionally.

Nice To Haves

• Type at least 35 words per minute.
• Symitar experience.
• Beginner to intermediate skills in Microsoft Office (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 suited to members’ needs and credit union objectives.
• Educate members on options for managing financial transactions through credit union tools, resources, and technology.
• Cross-sell products and services through a consultation approach and work toward sales and service goals.
• Make outbound calls to existing members using lead lists to provide consultations on credit union products and services.
• Resolve member complaints by identifying causes, providing solutions, expediting corrections or adjustments, and following up.
• Follow up on member interactions with thank-you notes and phone calls using the New Member Onboarding approach.
• Accept, review, and approve 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 phone calls and attendance at SEG events.
• Perform teller duties as needed.
• Represent the credit union professionally in dress and actions, 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 regulatory and compliance training.
• Travel to other branches as required.
• Perform other duties as assigned.

Benefits

• Starting pay of $19.00 per hour, with potential increases 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