Member Service Representative

WMCU; Michigan; On-site; USD 32,000 - 46,000; Full time

Benefits offered by this job

Healthcare package

Dental & Vision insurance

Life, STD & LTD

401K with employer contributions

Paid time off incl. holidays & PTO

Education reimbursement

Annual merit raises

Employee Assistance Program

Job summary

West Michigan Credit Union in Manistee is seeking a proactive Member Service Representative to assist members with lending needs and guide them through loan applications, credit checks, and underwriting documentation.

The role emphasizes accurate debt-to-income calculations and open memberships, with opportunities to promote additional products while maintaining in-depth knowledge of credit union offerings. A strong focus on communication and attention to detail is required.

Qualifications

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

Responsibilities

• Assist members with the loan application process.
• Pull credit reports and calculate debt-to-income ratios.
• Prepare loan applications for underwriting and complete documentation to fund or deny a request.
• Open memberships.
• Identify cross-selling opportunities and recommend suitable products and services.
• Develop and maintain knowledge of all credit union products, accounts, policies and procedures.

Skills

Excellent communication

CU*Answers experience

Lending knowledge

Background check

Detail oriented

Education

High school diploma or GED

Tools

CU*Answers software

Job description

West Michigan Credit Union is looking for a talented individual to join our team as a Member Service Representative in Manistee. 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.