Part Time Financial Service Representative (Loan Officer)

About the role

The Financial Services Representative (FSR) at Mountain America 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.

Responsibilities

• Provides exceptional member service to credit union membership by assessing member needs, advising to improve their financial situation.
• Opens new accounts, services existing accounts, and explains products and services that best suit member needs.
• Cross-sells products and services as needs arise through a consultation approach.
• Focuses on increasing member satisfaction, building the membership base, and account retention.
• Makes outbound efforts to call existing membership to provide additional consultation on MACU products and services.
• Solves problems by clarifying member complaints, determining the cause of the problem, providing solutions, expediting corrections, 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.
• Origins 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 other applicable regulations.
• Acts as a liaison to Business Services.
• Reaches out to the community through outbound phone calls and attends 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.
• 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.

Minimum Qualifications

• At least one 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 and Certifications

• High school diploma or equivalent.
• To be completed within the first 90 days:
• MSR Certification Package: Teller Follow-up Training, MSR Sales Certification, New Account Training, IRA Training, Loan Training, Loan Follow-up Training.
• Annual FSR Certification Training.
• 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.
• Begineer to intermediate skills in Microsoft Office (Outlook, Word, Excel).
• Type a minimum of 35 words per minute preferred.
• Symitar experience preferred.

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; weight lifted or force exerted up to 10 pounds consistently and up to 50 pounds occasionally.
• Environmental: Noise environment moderate noise (business office with computers and printers, light traffic).