Financial Service Representative

Hzcu; Missoula (MT); Hybrid; USD 30,000 - 44,000; Full time

Benefits offered by this job

Medical Insurance

Dental Insurance

Vision Insurance

Telemedicine

Life & Disability Insurance

EAP

Tuition Reimbursement

401K Plan

Employer Match

PTO

Job summary

Horizon Credit Union in Missoula, MT is seeking a Financial Service Representative to deliver an exceptional member experience, manage the full end-to-end service journey, and grow deposits, loans, and referrals while using our core systems accurately. This full-time, non-exempt role pays $21.96 to $31.84 per hour.

Benefits include medical, dental & vision, telemedicine, life and disability insurance, 401K with employer match, tuition reimbursement, paid time off, birthday holiday, wellness

Qualifications

• Requires high school diploma or GED with at least 1 year lending experience.
• Experience identifying member needs and recommending suitable products and services.
• Equivalents considered with education or experience.

Responsibilities

• Deliver an exceptional member experience by engaging with every member and owning the full journey.
• Grow branch performance using a personal production pipeline and proactive outreach to meet goals.
• Assist members through loan and account opening processes with clear explanations of options.
• Maintain knowledge of procedures during system interruptions to ensure continuity.
• Represent the branch professionally and adhere to branding and service standards.

Skills

Customer service

Relationship building

Outbound calling

Sales/referral skills

Financial transactions

Education

High School Diploma or GED

Lending experience

Tools

Core data system

Omnichannel tools

Job description

YOUR PATH. OUR PURPOSE.

At Horizon Credit Union, this is more than just a job. It's a place where you can grow, make a difference and feel connected to your work and community. We're committed to providing you with the tools and resources to build a fulfilling career with a good work-life balance. Join us to thrive, do your best work and help create positive change in your community.

COMPENSATION

Full-Time

Non-Exempt

$21.96-$31.84/hourly

*This figure shown represents the minimum and maximum of the range for this role. Individual offers are made dependent upon a candidate’s experience, education and skill level.

BENEFITS

Our goal is that you feel successful, supported, and balanced in all aspects of your life! To assist with this we offer:

• Medical, Dental & Vision Insurance for full-time and reduced full-time employees and their families
• Telemedicine for part-time employees
• Paid Group Life and Disability Insurance
• Employee Assistance Program
• Tuition Reimbursement Program
• 401K Retirement Savings
• Employer 401K Retirement Contributions & Matching upon eligibility
• Discretionary Annual Incentive Bonus based on eligibility criteria
• Paid Time Off per Full Calendar Year:
• 10 hours of PTO per month (prorated for reduced full-time and part-time)
• Paid Birthday Holiday
• Paid Wellness Days
• Up to 24 hours of Paid Volunteer Time annually
• 11 Paid Holidays
• And More!

Requirements

EXPERTISE YOU NEED

Education & Experience

High school diploma or general education degree (GED); Minimum One year lending experience required; Two-years related lending, financial institution, cash handling, and customer service experience preferred.

Demonstrated ability to identify member needs, build relationships, and recommend appropriate products and services. An equivalent combination of education and experience may be considered.

RESPONSIBILITIES OF THE FINANCIAL SERVICE REPRESENTATIVE

Member Experience

• Deliver an exceptional member experience by actively engaging with every member, owning the full end-to-end journey, and providing prompt, professional support.
• Drive branch performance by owning and actively managing a personal production pipeline through consistent outbound calling, disciplined lead follow‑up, and relationship deepening activities to meet and exceed deposit, loan, membership, and all referral growth goals.
• Consistently achieve target goals in Debt Protection and GAP sales as well as referral goals to our partners in our Mortgage Department and Horizon Retirement and Investment’s (HRI)
• Assist members through the full loan and account opening process, ensuring complete and accurate information while clearly explaining loan and deposit options, insurance products, policies, interest rates, payoffs, and all relevant credit union products and services.

Growth, Sales, & Service

• Demonstrate strong lending judgement including interpreting credit reports, identifying risk indicators, explaining loan decisions, and supporting sound, compliant credit recommendations.
• Research and resolve account discrepancies related to deposits, withdrawals, and loan payments, providing support to frontline employees and members as needed.
• Represents HZCU professionally within the branch and community by maintaining a visible presence, engaging in outreach, and adhering to branding guidelines, social media standards, and approved apparel, all to strengthen brand recognition, generate new opportunities, and contribute to member, branch, and market growth goals.

Technical Skills

• Leverage evolving digital tools and systems to deliver efficient, seamless omnichannel experiences while ensuring accuracy in financial calculations, including discounts, interest, and other key financial transactions.
• Ability to navigate core data system including input, output, and inquiry to member accounts and other account information required in the member service function.

Administrative

• Maintain knowledge of the Business Continuity Plan for your area of responsibility and perform required duties during system interruptions to ensure continuity of branch operations.
• Respond to member requests, problems or complaints or direct them to the appropriate person for specific information and assistance
• May be assigned specialized branch support responsibilities based on business and community needs, including serving as Vault Custodian, Notary Public, or Medallion Signature Guarantee representative, while maintaining required certifications.

ABOUT HORIZON CREDIT UNION

Founded in Spokane, Washington in 1947, we built our foundation on community outreach and meaningful connections with our members and neighbors. Over the years, we’ve expanded across Washington, Idaho, Montana and eastern Oregon. We are equally proud that as we have grown, our commitment to our communities and members has remained strong and steadfast along the way.

Let Horizon Credit Union help you reach your goals.

*The statements in this job description are intended to describe the essential functions and minimum qualifications for this position and are not intended to be an exhaustive list of all responsibilities, duties and skills required.