Financial Service Representative (Loan Officer)

Mountain America Credit Union

Hurricane (UT)

On-site

USD 26,000 - 32,000

Full time

3 days ago

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Benefits offered by this job

Competitive pay

Incentives

Medical and dental benefits

Paid time off

Volunteer time off

401K

Tuition assistance

Professional development

Job summary

Mountain America Credit Union seeks a Financial Services Representative to deliver exceptional member service by processing loan servicing transactions and cross-selling MACU products.

Located at our Hurricane branch, this full-time role requires you to open new accounts, service existing ones, and guide members to the best financial solutions while meeting sales goals. Strong communication and math skills are essential.

Qualifications

At least one year of retail banking or related sales and customer service experience.
Ability to multitask and stay composed while handling member activities.
Ability to cross-sell financial services to meet member needs.
Ability to prepare loan documents and review loan details.
Strong math calculation ability.
Effective written and verbal communication skills.
Basic computer skills and MS Office proficiency.

Responsibilities

Provide exceptional member service and assess member needs.
Advise on MACU products and cross-sell where appropriate.
Meet sales and service goals.
Use lead lists to contact members for consultations.
Resolve member issues promptly and follow up.
May require travel to other branches.

Skills

Retail banking

Sales cross-sell

Customer service

Communication

Math skills

Microsoft Office

Typing 35 wpm

Symitar

Education

High school diploma

Tools

Symitar

Job description

MSR Sales Certification

Job Summary

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 in order to help our members achieve their financial dreams.

LOCATION

Hurricane Branch

1155 State St.

Hurricane, UT 84737

SCHEDULE

Full Time; Monday – Friday 8:40am – 6:15pm;

Saturdays 8:40am – 2:15pm

*Day off during the week when you work a Saturday*

At Mountain America, we are committed to taking care of all our employees.

Starting competitive pay of $19.00 per hour and can increase depending on experience, plus incentives
Performance reviews with opportunities to increase compensation
Excellent medical and dental benefits with minimal employee contribution (full time employees)
Paid time off, volunteer time off, and paid holidays
Matching 401K
Tuition assistance
Professional development
And more!

To be effective, an individual must be able to perform each job duty successfully.

Member Focus

Provides exceptional member service to credit union membership by assessing member needs, advising to improve their financial situation. Which includes opening new accounts, servicing existing accounts, and explaining our products and services that best suit our member’s needs and accomplish the credit union objectives.
Recognizes member needs, educates on options for managing financial transactions through MACU tools, resources, technology and cross-sells products and services as needs arise through a consultation approach
Consistent focus on increasing member satisfaction, building the membership base and account retention
Expected to meet sales and service goals
Uses lead lists to make outbound efforts to call existing membership to provide additional consultation on MACU products and services
Resolves problems by clarifying member complaints, determining the cause of the problem, providing the best solution to resolve the problem, expediting correction or adjustment, and following up to ensure resolution.
Follows up with member interactions with thank you notes and phone calls using the MACU New Member Onboarding approach

Loan Servicing

Originates loans by accepting, reviewing, and approving loan applications.
Interviews loan applicants, reviewing credit report and cross-sells loans.
Prepares loan documentation, initiates credit reports and conducts closings for home equity, personal, and auto loans
Complies with all regulations as required by law, including but not limited to Bank Secrecy Act, OFAC, FACT Act, GLBA, Regulation CC (funds availability), Regulation DD (TIS) and other regulations as required by law as it relates to his/her position
Loan Underwriters, Title Specialist

Other Responsibilities

Acts as a liaison to Business Services
Reaches out to the community through outbound phone calls and by attending SEG events
Performs Teller duties as needed
Represents the credit union in a professional manner, both in dress and in actions
Keeps work area neat and clean
Responds to email/voicemail/missed calls/other communication in a timely manner
Actively participates and completes product knowledge courses
Complies with all regulations as required by law
May require travel to other branches
Performs other duties as assigned

KNOWLEDGE, SKILLS, And ABILITIES

The requirements listed are representative of the knowledge, skills, and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions.

Experience

At least one year of retail banking or related sales and customer service experience
Ability to satisfy immediate and unexpected needs, by recommending credit union products and services with knowledge and confidence.
Ability to multi-task and maintain composure while handling all member activities and requests
Ability to prepare loan documents and cross-sell financial services of the credit union to ensure quality service.
Ability to perform mathematical calculations.
Ability to communicate effectively using written and verbal communication

Education

High school diploma or equivalent

Licenses, Certificates, Registrations, Trainings

To Be Completed During The First 90 Days

MSR Certification Package:
- Teller Follow-up Training
- MSR Sales Certification
Annual FSR Certification

Training to be completed generally during the first 90 days:

New Account Training
IRA Training
Loan Training
Loan Follow-up Training
Notary Public
NMLS Certification
Must be able to qualify annually as a Mortgage Loan Originator under S.A.F.E Act Registration

Computer/Office Equipment Skills

Basic computer operating skills
Beginner to intermediate skills in Microsoft Office (Outlook, Word, Excel)
Type a minimum of 35 words per minute preferred
Symitar experience preferred

Managerial Responsibility

No supervisory/managerial responsibilities

Other Skills And Abilities

Ability to satisfy immediate and unexpected needs, by recommending credit union products and services with knowledge and confidence
Ability to multi-task and maintain composure while handling all member activities and requests
Ability to prepare loan documents and cross-sell financial services of the credit union to ensure quality service
Ability to perform mathematical calculations
Ability to communicate effectively using written and verbal communication
Thorough knowledge of credit union policies, procedures and regulations
Ability to prepare loan documents and cross-sell financial services of the credit union to ensure quality service
Ability to perform mathematical calculations
Ability to communicate effectively using written and verbal communication

Physical Abilities / Working Conditions

Physical Demands

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

Vision Requirements