Financial Service Representative (Loan Officer) Bilingual (Spanish/English) Preferred not Required

Mountain America Credit Union • Boise, ID

2d • Onsite

About The Position

The Financial Service Representative (FSR) I assesses and meets credit union members’ financial needs by assessing, advising, and assisting them. The role provides exceptional member service through account opening and servicing, loan transactions, and consultation-based recommendations of products and services. FSRs are expected to meet sales and service goals, build member satisfaction and retention, and help members work toward their financial goals.

The position originates loans by accepting, reviewing, and approving applications; interviewing applicants; reviewing credit reports; preparing loan documentation; initiating credit reports; and conducting closings for home equity, personal, and auto loans. It also includes teller duties as needed, community outreach, timely follow-up and communication, and compliance with applicable laws and regulations. The position is based at the Boise 3rd Street Branch. 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.; when working Saturday, the employee has a day off during the week. Spanish/English bilingual ability is preferred but not required.

Requirements

• At least 1 year of retail banking or related sales and customer service experience.
• Ability to address members’ immediate and unexpected 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 to provide quality service.
• 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.
• Must 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; ability to stand, walk, kneel, and crouch occasionally.
• Close vision and distance vision.

Nice To Haves

• Bilingual Spanish/English skills (preferred, not required).
• Type at least 35 words per minute.
• Symitar experience.
• Notary Public.

Responsibilities

• Assess members’ needs and advise them on ways to improve their financial situations.
• 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 credit union tools, resources, and technology; recommend additional products and services as needs arise.
• Meet sales and service goals, increase member satisfaction, build the membership base, and support account retention.
• Use lead lists to make outbound calls to existing members and consult with them about credit union products and services.
• Resolve member complaints by clarifying the issue, determining its cause, providing a solution, expediting corrections or adjustments, and following up.
• Follow up with members using thank-you notes and calls through 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 the 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; 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 regulatory and compliance training.
• Travel to other branches when required.
• Perform other duties as assigned.

Benefits

• Starting pay of $19.00 per hour, with potential increases depending on experience, plus incentives.
• Bilingual allowance for assisting 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, 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