Bilingual Preferred - Financial Service Representative (Loan Officer)

Location: Nampa Branch, 112 2nd St, Nampa, ID 83651

About the role

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. 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.

Schedule

• Full Time
• Monday – Friday 8:40am – 6:15pm
• Rotating Saturdays 8:40am – 2:15pm

Pay

• Starting competitive pay of $19.00 per hour, plus incentives
• Additional $1.00 for helping in Spanish
• Performance reviews with opportunities to increase compensation

Benefits

• 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

Responsibilities

• Provides exceptional member service by assessing member needs and advising them to improve their financial situation, including opening new accounts, servicing existing accounts, and explaining products and services.
• Recognizes member needs, educates on options for managing financial transactions through MACU tools, resources, and 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 members to provide additional consultation on MACU products and services.
• Resolves problems by clarifying member complaints, determining the cause, providing solutions, expediting corrections, and following up to ensure resolution.
• Follows up with member interactions using thank-you notes and phone calls via the MACU New Member Onboarding approach.
• Originates loans by accepting, reviewing, and approving loan applications.
• Interviews loan applicants, reviews credit reports, 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 Bank Secrecy Act, OFAC, FACT Act, GLBA, Regulation CC (funds availability), Regulation DD (TIS), and others.
• 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 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.
• May require travel to other branches.
• Performs other duties as assigned.

Requirements

• 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.
• Ability to perform mathematical calculations.
• Ability to communicate effectively using written and verbal communication.
• High school diploma or equivalent.
• Requires valid driver’s license for travel.

Qualifications

• 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.

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.

Skills

• Thorough knowledge of credit union policies, procedures, and regulations.
• Ability to prepare loan documents and cross-sell financial services 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.
• Close vision (clear vision at 20 inches or less).
• Distance vision (clear vision at 20 feet or more).
• Ability to lift up to 10 pounds consistently and up to 50 pounds occasionally.

Environmental

• Moderate noise (business office with computers and printers, light traffic).