Financial Service Representative (Loan Officer)

Mountain America Credit Union; Salt Lake City (UT); On-site; USD 42,000 - 64,000; Full time

Benefits offered by this job

Training programs

Notary Public certification

NMLS Certification

Job summary

Mountain America Credit Union in Salt Lake City is hiring a Financial Service Representative (Loan Officer) to assist members with their financial needs, open accounts, and explain credit products using AAA principles. The role emphasizes cross-selling loan and account services while delivering exceptional service in a busy branch environment.

The FSR will originate and service loans, review applications, and ensure compliance with regulations.

Qualifications

• 1+ year of retail banking or related sales/customer service experience.
• Ability to explain credit products and services with confidence.
• Strong math skills and attention to detail.
• Effective written and verbal communication.

Responsibilities

• Provide exceptional member service by assessing needs and advising on MACU products.
• Open new accounts, service existing accounts, and cross-sell products.
• Originates and documents loans (home equity, personal, auto) and reviews applications.
• Ensure compliance with BSA, OFAC, FACT Act, GLBA, and related regulations.
• Travel to other branches as needed and participate in community events.

Skills

Retail banking

Sales & service

Cross-selling

Mathematical calculations

Communication

Education

High school diploma or equivalent

Tools

Symitar

MS Office

Job description

Financial Service Representative (Loan Officer)# \\_## Financial Service Representative (Loan Officer)Apply: Salt Lake City, UT: Full time: Posted Yesterday: R20869# **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 Summary**At 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 Financial 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 Description**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 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 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 assignedKNOWLEDGE, 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 **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.Education High school diploma or equivalentLicenses, Certificates, Registrations, Trainings* Requires valid driver’s license for travel.Training to be completed:* Mountain America Accounts and Lending* Required regulatory and compliance trainings.* Notary Public* NMLS Certification* Must be able to qualify annually as a Mortgage Loan Originator under S.A.F.E Act RegistrationComputer/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 preferredManagerial ResponsibilityNo supervisory/managerial responsibilitiesOther Skills and Abilities* 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 communicationPHYSICAL ABILITIES / WORKING CONDITIONSPhysical 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 occasionallyVision Requirements* Close 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, light traffic)Mountain America Credit Union is an EEO/AA/ADA/Veterans employer.