Financial Service Representative (Loan Officer)

Mountain America Credit Union • St. George, UT

4d • Onsite

About The Position

At Mountain America, the Financial Services Representative (FSR) recognizes and meets member needs by providing quality service through loan servicing transactions and cross-selling products and services to help members achieve their financial goals. The role provides member consultations, opens and services accounts, and originates and processes loans. It also supports teller operations, community outreach, and other branch duties as needed.

This is a full-time position at the St George Mall Dr Branch in St George, Utah. 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 day off during the week when they work a Saturday. The position may require travel to other branches and is not eligible to be performed in Colorado or Connecticut, remotely or in person.

Requirements

• At least one year of retail banking or related sales and customer service experience.
• High school diploma or equivalent.
• Ability to recommend credit union products and services with knowledge and confidence to address immediate and unexpected member needs.
• 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.
• Must be able 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; ability to 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

• Type at least 35 words per minute.
• Symitar experience.

Responsibilities

• Provide exceptional member service by assessing member needs, advising them on their financial situation, opening new accounts, servicing existing accounts, and explaining suitable products and services.
• Educate members about options for managing financial transactions through MACU tools, resources, and technology, and cross-sell products and services through a consultative approach.
• Work toward sales and service goals, increase member satisfaction, build membership, and support account retention.
• Use lead lists to call existing members and provide consultations on MACU products and services.
• Resolve member complaints by identifying their causes, finding solutions, expediting corrections or adjustments, and following up to confirm resolution.
• 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 the Bank Secrecy Act, OFAC, FACT Act, GLBA, Regulation CC, and Regulation DD.
• Act as a liaison to Business Services and reach out to the community through outbound calls and attendance at SEG events.
• Perform teller duties as needed and represent the credit union professionally in dress and actions.
• Keep the work area neat and clean and 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 needed and perform other duties as assigned.

Benefits

• Starting pay of $19.00 per hour, with possible 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, 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