Financial Solutions Officer

At Novation Credit Union, we are committed to building lifelong relationships with our members. As a Financial Solutions Officer at our Hugo, MN branch, you will play a key role in delivering an exceptional member experience by providing personalized financial guidance and solutions. In this role, you will proactively build and strengthen relationships while serving as a trusted financial partner. You will provide welcoming, efficient, and accurate service, demonstrate expertise in our digital channels, products, and services, and make sound lending decisions within established credit union guidelines.

• Review and respond promptly to in person and online loan applications, ensuring timely and accurate follow-up with members
• Evaluate member financial needs and present appropriate lending and deposit solutions, including investment services and secondary loan options
• Pull and analyze credit reports, verify debts, and calculate estimated payments to ensure complete and accurate applications
• Determine acceptable collateral values for applicable loan requests
• Present and explain debt protection and collateral protection products (e.g., Debt Protection, GAP, Mechanical Breakdown, Insurance options)
• Approve or deny loan applications based on lending guidelines, assessing the applicant’s ability to repay, stability, and creditworthiness
• Provide alternative solutions or recommendations when initial loan requests cannot be fulfilled
• Complete loan documentation and ensure timely closing and disbursement of funds
• Open new memberships and deposit accounts; follow up with new members to establish long‑term financial relationships
• Deliver accurate and efficient support for a wide range of member financial inquiries
• Maintain a strong knowledge of credit union products, services, and current consumer lending trends
• Work independently while demonstrating sound judgment, initiative, and decision‑making skills
• Processes requests from members for transfers of shares to loan payments, share withdrawals, check requests, CD transactions, line of credit advances, and any other requests received from members. Serve as a back‑up to the teller role as necessary.

• Strong written and verbal communication skills, with the ability to effectively interact with members and team members
• Ability to interpret policies, procedures, and lending guidelines
• Comfortable presenting information to individuals and groups
• Proficient in basic financial calculations, including interest, percentages, and loan‑related figures
• Ability to analyze and solve problems involving multiple variables in structured situations
• Proficiency in Microsoft Office Suite and Fiserv XP2 (or similar systems)
• Strong attention to detail and organizational skills

• Associate degree in business, finance, or a related field, or equivalent combination of education and experience
• 6 months to 1 year of related experience in lending, banking, or financial services preferred
• NMLS registration required (or ability to obtain)