Financial Service Representative (Loan Officer)

Mountain America Credit Union•Twin Falls, ID

1d•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, account services, and cross-selling products and services to help members achieve their financial goals. The position is based at the Twin Falls Blue Lakes Blvd N Branch in Twin Falls, Idaho, and is full-time. 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 exceptional member service, opens and services accounts, explains suitable products and services, and supports member satisfaction, membership growth, and account retention. The role also originates and services personal, auto, and home-equity loans; prepares loan documentation; and follows applicable regulatory requirements. Other duties include community outreach, teller work as needed, timely communication, product training, and possible travel to other branches. The role has no supervisory or managerial responsibilities.

Requirements

At least 1 year of retail banking or related sales and customer service experience.
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 credit union financial services.
Ability to perform mathematical calculations.
Effective written and verbal communication skills.
High school diploma or equivalent.
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.
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; stand, walk, kneel, and crouch occasionally.
Close vision (clear vision at 20 inches or less) and distance vision (clear vision at 20 feet or more).
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 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 about options for managing financial transactions using MACU tools, resources, and technology; cross-sell products and services as needs arise.
Work toward sales and service goals and support member satisfaction, membership growth, and account retention.
Use lead lists to make outbound calls to existing members and provide consultations about MACU products and services.
Resolve member complaints by clarifying the issue, identifying its cause, providing a solution, expediting corrections or adjustments, and following up.
Follow up on member interactions with thank-you notes and phone calls using the MACU 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.
Conduct community outreach through outbound 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 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 as required and perform other duties as assigned.

Benefits

Starting pay of $19.00 per hour, with potential for more depending on experience, plus incentives.
Bilingual allowance for helping members in Spanish.
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.