Financial Service Representative (Loan Officer)

Mountain America Credit Union; Saint George (ME); On-site; USD 40,000 - 44,000; Full time

Benefits offered by this job

Competitive pay

Incentives

Medical & dental benefits

Paid time off

Volunteer time off

Paid holidays

401K matching

Tuition assistance

Professional development

Job summary

Mountain America Credit Union in Saint George, UT is seeking a Field Service Representative I to assess member needs, advise on loan products, and service accounts using our AAA approach. You will help members define and achieve financial dreams through consultative guidance and accurate processing.

The role emphasizes cross-selling, loan servicing, and delivering exceptional member experiences. Starting pay is $19.00 per hour with potential increases, plus incentives, and full benefits

Qualifications

• High school diploma or equivalent.
• Valid driver’s license for travel.
• Notary Public and NMLS Certification may be required.
• Experience in retail banking or sales is preferred.
• Strong mathematical and analytical abilities.

Responsibilities

• Provide exceptional member service by assessing needs and advising on products.
• Originate and service loans, review applications and close transactions.
• Cross-sell financial services to achieve credit union objectives.
• Maintain compliance with banking regulations and documentation.
• Respond to member inquiries via phone, email, and in person.

Skills

Retail banking

Customer service

Cross-selling

Communication

Mathematical calculations

Financial knowledge

Education

High school diploma

Tools

Microsoft Office

Symitar

Job description

Please reference the schedule and minimum qualifications listed below before applying.If you need assistance with filling out our application form or during any phase of the application, interview, or employment process, please notify our Human Resources Team at 801-366-6947 option 1 or email [e-mail] and every reasonable effort will be made to accommodate your needs in a timely manner.Job SummaryAt Mountain America, we create exceptional service experiences with every member, every time. We provide life changing value by genuinely caring about each member, expertly applying our sales philosophy (AAA) and helping our members define and achieve their financial dreams. Our work results in members who champion Mountain America.The Field Service Representative (FSR) I assesses and meets member needs by using AAA skills to assess, advise, and assist members with their financial needs. FSRs provide value through loan servicing transactions and cross-selling products and services to help our members achieve their financial dreams.Job DescriptionLOCATIONSt George River Rd Branch:123 South River RoadSt George, UT 84790SCHEDULEFull Time: Monday – Friday 8:40am – 6:15pmSaturdays 8:40am – 2:15pm*Day off during the week when a Saturday is worked.*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 incentivesAdditional $1.00 per hour for those who are bilingual in English/SpanishPerformance reviews with opportunities to increase compensationExcellent medical and dental benefits with minimal employee contribution (full time employees)Paid time off, volunteer time off, and paid holidaysMatching 401KTuition assistanceProfessional developmentAnd more!To be effective, an individual must be able to perform each job duty successfully.Member FocusProvides exceptional member service to credit union membership by assessing member needs and advising them to improve their financial situation. Which includes opening new accounts, servicing existing accounts, and explaining our products and services that best suit our members’ 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 ServicingOriginates 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 loansComplies 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 positionLoan Underwriters, Title SpecialistOther ResponsibilitiesActs as a liaison to Business ServicesReaches out to the community through outbound phone calls and by attending SEG eventsPerforms Teller duties as neededRepresents the credit union in a professional manner, both in dress and in actionsKeeps work area neat and cleanResponds to email/voicemail/missed calls/other communication in a timely mannerActively participates and completes product knowledge coursesComplies with all regulations as required by lawMay require travel to other branchesPerforms other duties as assignedKNOWLEDGE, SKILLS, and ABILITIESThe 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.ExperienceAt least 1+ 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.EducationHigh school diploma or equivalentLicenses, Certificates, Registrations, TrainingsRequires valid driver’s license for travel.Training to be completed:Mountain America Accounts and LendingRequired regulatory and compliance trainings.Notary PublicNMLS CertificationMust be able to qualify annually as a Mortgage Loan Originator under S.A.F.E Act RegistrationComputer/Office Equipment SkillsBasic computer operating skillsBeginner to intermediate skills in Microsoft Office (Outlook, Word, Excel)Type a minimum of 35 words per minute preferredSymitar experience preferredManagerial ResponsibilityNo supervisory/managerial responsibilitiesOther Skills and AbilitiesThorough knowledge of credit union policies, procedures and regulationsAbility to prepare loan documents and cross-sell financial services of the credit union to ensure quality serviceAbility to perform mathematical calculationsAbility to communicate effectively using written and verbal communicationPHYSICAL ABILITIES / WORKING CONDITIONSPhysical DemandsAbility to talk, hear, sit, use hands to handle or feel and reach with hands and arms consistentlyAbility to stand, walk, kneel and crouch occasionallyVision RequirementsClose vision (clear vision at 20 inches or less)Distance Vision (clear vision at 20 feet or more)Weight Lifted or Force ExertedAbility to lift up to 10 pounds consistently and up to 50 pounds occasionallyEnvironmentalThere are no unusually environmental factorsNoise EnvironmentModerate noise (business office with computers and printers)#INDMS#LI-CC1Mountain America Credit Union is an EEO/AA/ADA/Veterans employer.