Financial Service Representative (Loan Officer)

Mountain America Credit Union • Meridian, ID

1d • Onsite

About The Position

The Financial Service Representative (FSR) I assesses and meets members’ financial needs by providing exceptional service, advising members, and assisting them with financial transactions. The role provides loan servicing and cross-sells credit union products and services to help members achieve their financial goals. The position is based at the Meridian Franklin Road branch in Meridian, Idaho.

This is a full-time role scheduled 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 working Saturday, the employee receives a weekday off. The position may require travel to other branches.

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 address immediate and unexpected member needs.
• Ability to multitask and remain composed 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.
• Basic computer operating skills.
• Complete Mountain America Accounts and Lending training and required regulatory and compliance training.
• Obtain Notary Public and NMLS certifications, and qualify annually as a Mortgage Loan Originator under the S.A.F.E. Act Registration.
• Physical ability to talk, hear, sit, use hands to handle or feel, and reach with hands and arms consistently; stand, walk, kneel, and crouch occasionally; and lift up to 10 pounds consistently and up to 50 pounds occasionally.
• Close vision and distance vision.

Nice To Haves

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

Responsibilities

• Assess member needs and advise members on ways to improve their financial situation, including opening new accounts, servicing existing accounts, and explaining relevant products and services.
• Educate members about financial transaction options and credit union tools, resources, and technology; cross-sell products and services through a consultative approach.
• Support member satisfaction, membership growth, account retention, and sales and service goals.
• Use lead lists to make outbound calls to existing members and consult about credit union products and services.
• Resolve member complaints by identifying causes, providing solutions, expediting corrections or adjustments, and following up to confirm resolution.
• Follow up with members using thank-you notes and 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 emails, voicemail, missed calls, and other communications in a timely manner.
• Participate in and complete product knowledge courses.
• Complete other duties as assigned.
• Travel to other branches when required.

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, and 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