Financial Service Representative (Loan Officer)

macu; Saint George (UT); On-site; USD 22,000 - 31,000; Full time

Benefits offered by this job

Medical benefits

Dental benefits

PTO

Volunteer time off

401K matching

Tuition assistance

Professional development

Incentives

Job summary

Mountain America Credit Union in St. George, UT is seeking a Financial Services Representative (FSR) to recognize and meet member needs through loan servicing and cross-selling products to help members achieve their financial dreams.

The role supports credit union objectives with account openings, servicing existing accounts, and explaining MACU products and services. It requires retail banking experience, strong communication, and the ability to meet sales and service goals.

Qualifications

• 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.

Responsibilities

• Provides exceptional member service to credit union membership by assessing member needs, advising to improve their financial situation.
• 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

Skills

Retail banking

Customer service

Sales

Multi-tasking

Loan documentation

Mathematical calculations

Communication

Education

High school diploma or equivalent

Job description

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.

Job Description

LOCATION

St George Mall Dr Branch:
2984 E. Mall Dr.
St George, UT 84790

SCHEDULE

Full Time: Monday - Friday 8:40am-6:15pm
Saturdays 8:40am - 2:15pm

*Day off during the week when a Saturday is worked*

Benefits and Compensation

• 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!

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