Financial Service Representative (Loan Officer)

Mountain America Credit Union; St. George (VT); On-site; USD 22,000 - 31,000; Full time

Benefits offered by this job

Competitive pay

Medical and dental benefits

Paid time off

Matching 401K

Tuition assistance

Professional development

And more

Job summary

Mountain America Credit Union in St. George, UT is seeking a Financial Services Representative to deliver quality member service through loan servicing and cross-selling.

You will open and service accounts, advise on products, and help members achieve financial goals while meeting sales and service objectives. The role requires strong communication, basic math skills, and a professional demeanor with a focus on accuracy and compliance.

Qualifications

• Retail banking or related sales and customer service experience.
• Ability to mult-task and maintain composure during member interactions.
• Ability to prepare loan documents and cross-sell financial services.
• Strong mathematical calculation abilities and attention to detail.

Responsibilities

• Provide exceptional member service and assess needs to recommend MACU products.
• Open new accounts, service existing accounts, and explain products and services.
• Handle loan applications, review credit, and conduct closings when needed.
• Cross-sell products to achieve sales and service goals.

Skills

Retail banking

Sales

Customer service

Communication

Education

HS Diploma or equivalent

Tools

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, 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 DescriptionLOCATIONSt George Mall Dr Branch:2984 E. Mall Dr.St 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 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 FocusProvides 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 approachConsistent focus on increasing member satisfaction, building the membership base and account retentionExpected to meet sales and service goalsUses lead lists to make outbound efforts to call existing membership to provide additional consultation on MACU products and servicesResolves 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 approachLoan 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 one year of retail banking or related sales and customer service experienceAbility 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 requestsAbility 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 communicationEducationHigh school diploma or equivalentLicenses, Certificates, Registrations, TrainingsTo be completed during the first 90 days:MSR Certification Package:Teller Follow-up TrainingMSR Sales CertificationAnnual FSR CertificationTraining to be completed generally during the first 90 days:New Account TrainingIRA TrainingLoan TrainingLoan Follow-up TrainingNotary 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 AbilitiesAbility to satisfy immediate and unexpected needs, by recommending credit union products and services with knowledge and confidenceAbility to multi-task and maintain composure while handling all member activities and requestsAbility 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 communicationThorough 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, light traffic)#INDMS#LI-CC1***This Job is not eligible to be performed in Colorado or Connecticut, either remotely or in-person.***Mountain America Credit Union is an EEO/AA/ADA/Veterans employer.