Hire Ahead Financial Service Representative (Loan Officer)

Mountain America Credit Union

Payson (UT)

On-site

USD 42,000 - 66,000

Full time

14 days+

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Job summary

Mountain America Credit Union is seeking a Financial Service Representative I to deliver exceptional member service and assist with financial needs at our Spanish Fork and Payson branches. You will assess member needs using AAA-style guidance, advise on products, open accounts, and support loan servicing and cross-selling initiatives.

Ideal candidates have at least 1 year in retail banking or related sales, strong math and communication skills, and a commitment to accurate, friendly service.

Qualifications

At least 1+ year of retail banking or related sales and customer service experience.
Ability to cross-sell financial services and advise members.
Strong math and communication skills.

Responsibilities

Provide exceptional member service by assessing needs and advising on MACU products.
Cross-sell products and services as needs arise.
Meet sales and service goals.
Process loan applications and assist with related loan servicing.
Perform Teller duties as needed.
Travel to other branches as required.

Skills

Retail banking

Customer service

Cross-selling

Mathematical calculations

Effective communication

Education

High school diploma or equivalent

Tools

Symitar

Microsoft Office

Job description

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.

LOCATION

Spanish Fork Branch

1308 N Canyon Creek Pkwy

Spanish Fork, UT 84660

Payson Branch

818 S. State St.

Payson, UT 84651

SCHEDULE

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

Saturdays at Payson Branch 8:40am – 2:15pm

Day off during the week when working a Saturday

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 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 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 equivalent

Licenses, 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 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

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