Member Service Representative

West Michigan Credit Union; Grand Rapids (MI); Hybrid; USD 36,000 - 48,000; Full time

Benefits offered by this job

Competitive salary

Healthcare, dental, vision, life, STD 

Health Savings Account

401K with company contributions

Paid time off including holidays, PTO,

Education reimbursement

Annual merit raises

Employee Assistance Program

Job summary

West Michigan Credit Union, located in Grand Rapids, seeks a diligent Member Service Representative to assist members with loan applications and related processes. You will pull credit reports, calculate debt-to-income ratios, and prepare underwriting documentation to fund or deny requests.

The role emphasizes opening memberships, recommending products, and maintaining up-to-date knowledge of all credit union offerings and policies. Strong communication and detail orientation are essential.

Qualifications

• High school diploma or GED required.
• CU*Answers experience preferred.
• Lending experience preferred.
• Able to pass a background check.
• Must have excellent written and oral communication skills.
• Must be detailed oriented.

Responsibilities

• Assist members with the loan application process.
• Pull credit reports and calculate the debt-to-income ratios.
• Prepare loan applications for underwriting and complete necessary documentation to fund or deny a request.
• Open memberships.
• Identify cross-selling opportunities and make appropriate recommendations of products and services to meet the financial needs of members.
• Develop and maintain an up-to-date and comprehensive knowledge of all credit union products and accounts and related policies and procedures.

Skills

Customer service

Communication

Attention to detail

Lending experience (preferred)

Education

High school diploma or GED

Job description

Description

West Michigan Credit Union is looking for a talented individual to join our team as a Member Service Representative in Grand Rapids. Our Member Service Representatives are responsible for assisting members with their lending needs.

What We’re Looking For:

• High school diploma or GED required.
• CU*Answers experience preferred.
• Lending experience preferred.
• Able to pass a background check.
• Must have excellent written and oral communication skills.
• Must be detailed oriented.

What You’ll Do:

• Assist members with the loan application process.
• Pull credit reports and calculate the debt-to-income ratios.
• Prepare loan applications for underwriting and complete necessary documentation to fund or deny a request.
• Open memberships.
• Identify cross-selling opportunities and make appropriate recommendations of products and services to meet the financial needs of members.
• Develop and maintain an up-to-date and comprehensive knowledge of all credit union products and accounts and related policies and procedures.

Our Benefits:

• Competitive salary
• Free benefit package (healthcare, dental, vision insurance, life, STD & LTD)
• Health Savings Account plus company contributions
• 401K plus up to 9% company contributions
• Paid time off (10 holidays, PTO, birthday day & volunteer time)
• Education reimbursement
• Annual merit raises
• Employee Assistance Program

Your Future:

Approximately half of our current team members have advanced through promotions or transfers within the Credit Union. We make it a priority to promote internal candidates whenever feasible, taking your professional goals into careful consideration. Join us and embark on a journey towards personal growth, where you’ll have the opportunity to develop new skills, expand your knowledge, and accomplish goals that enhance both your professional career and personal life.

Who We Are:

West Michigan Credit Union is a division of WMCU. WMCU is a not-for-profit financial cooperative that proudly serves members at 11 locations across West Michigan. We are a local member owned and operated credit union that strives to meet our members where they are at, help them to grow financially and celebrate their successes. With a passion for community involvement, we are committed to supporting the communities our members and team members call home.

WMCU is an Equal Employment Opportunity (EEO) employer, ensuring fair and unbiased employment practices.