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Credit Representative Jobs in Nevada (NOW HIRING)

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Credit Representative information

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$13

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How much do credit representative jobs pay per hour?

As of Sep 8, 2026, the average hourly pay for credit representative in Nevada is $23.62, according to ZipRecruiter salary data. Most workers in this role earn between $19.57 and $26.44 per hour, depending on experience, location, and employer.

What is a credit representative?

Credit Representatives are professionals who evaluate and process credit applications, manage customer accounts, and assist with resolving credit-related issues. They work for financial institutions, retail companies, or other organizations that offer credit to customers. Their responsibilities include assessing creditworthiness, setting credit limits, monitoring payments, and communicating with clients about account statuses. By ensuring that customers meet payment terms and handling any disputes, Credit Representatives help organizations minimize financial risk and maintain healthy cash flow.

What are the key skills and qualifications needed to thrive as a credit representative?

To thrive as a Credit Representative, you need a solid understanding of credit analysis, financial documentation, and risk assessment, often supported by a background in finance or accounting. Familiarity with credit management software, CRM systems, and sometimes certification like the Credit Business Associate (CBA) is beneficial. Strong negotiation, attention to detail, and effective communication skills help manage client relationships and resolve disputes. These abilities are essential for making sound credit decisions, minimizing risk, and maintaining positive client interactions.

What are some common challenges a credit representative faces when assessing customer creditworthiness?

Credit Representatives often encounter challenges such as evaluating incomplete or inconsistent financial information, balancing risk while meeting company sales goals, and communicating credit decisions diplomatically to customers. They must stay updated on evolving credit policies and regulations, and may need to collaborate closely with sales and collections teams to resolve disputes or negotiate payment terms. Effective problem-solving and strong interpersonal skills are essential for navigating these complexities and ensuring both customer satisfaction and company financial health.

What is the difference between Credit Representative vs Credit Analyst?

AspectCredit RepresentativeCredit Analyst
Required CredentialsTypically high school diploma or equivalent; some roles may require industry-specific certificationsBachelor's degree in finance, accounting, or related field; professional certifications like CFA or CPA are common
Work EnvironmentOffice setting, interacting with clients and sales teamsOffice setting, analyzing financial data and credit reports
Employer & Industry UsageUsed by banks, finance companies, and lending institutions for customer credit managementUsed by financial institutions, credit bureaus, and corporations for risk assessment

While both roles involve credit management, Credit Representatives primarily handle customer interactions and credit applications, whereas Credit Analysts focus on evaluating financial data to assess credit risk. Understanding these differences helps in choosing the right career path or job search focus within the credit industry.

Do you need a degree to be a credit representative?

A degree is not typically required to become a credit representative, but employers often prefer candidates with a high school diploma or equivalent. Relevant skills such as customer service, attention to detail, and knowledge of credit procedures are important, and some positions may require certification or training programs.

What are popular job titles related to Credit Representative jobs in Nevada?

For Credit Representative jobs in Nevada, the most frequently searched job titles are:

What job categories do people searching Credit Representative jobs in Nevada look for?

The top searched job categories for Credit Representative jobs in Nevada are:

What are popular job titles related to Credit Representative jobs in NV?

For Credit Representative jobs in NV, the most frequently searched job titles are:

Credit Representative jobs near you
Infographic showing various Credit Representative job openings in Nevada as of August 2026, with employment types broken down into 88% Full Time, 10% Part Time, and 2% Contract. Highlights an 64% Physical, 1% Hybrid, and 35% Remote job distribution, with an average salary of $49,122 per year, or $23.6 per hour.

Bilingual - Financial Service Representative (Loan Officer)

Mountain America Credit Union

Las Vegas, NV • On-site

$19/hr

Full-time

Medical, Dental, Retirement, PTO

Posted 24 days ago

Mountain America Credit Union rating

8.0

Company rating: 8.0 out of 10

Based on 49 frontline employees who took The Breakroom Quiz

76th of 154 rated financial services

Job description

Please reference the schedule and minimum qualifications listed below before applying.
If you need assistance with filling out our application form or during any phase of the application, interview, or employment process, please notify our Human Resources Team at 801-366-6947 option 1 or email macurecruiting@macu.com and every reasonable effort will be made to accommodate your needs in a timely manner.
Job Summary
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. Our work results in members who champion Mountain America.
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.
Job Description
LOCATION
Las Vegas Branch
7280 W Lake Mead Blvd
Las Vegas, NV 89128
SCHEDULE
Full Time; Monday - Friday 8:40am - 6:15pm:
Rotating Saturday 8:40am - 2:15pm (at the Henderson Branch)
At Mountain America, we are committed to taking care of all our employees.
  • Starting competitive pay of $19.00 per hour and can increase depending on experience, plus incentive
  • Additional $1.00 per hour for helping in Spanish
  • Performance reviews with opportunities to increase compensation
  • 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
  • And more!

To be effective, an individual must be able to perform each job duty successfully.
Member Focus
  • Provides exceptional member service to credit union membership by assessing member needs and advising them to improve their financial situation. Which includes opening new accounts, servicing existing accounts, and explaining our products and services that best suit our members' needs and accomplish the credit union objectives.
  • Recognizes member needs, educates on options for managing financial transactions through MACU tools, resources, 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 membership to provide additional consultation on MACU products and services.
  • Resolves problems by clarifying member complaints, determining the cause of the problem, providing the best solution to resolve the problem, expediting correction or adjustment, 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.

Loan Servicing
  • Originates loans by accepting, reviewing, and approving loan applications.
  • Interviews loan applicants, reviewing credit report 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 but not limited to Bank Secrecy Act, OFAC, FACT Act, GLBA, Regulation CC (funds availability), Regulation DD (TIS) and other regulations as required by law as it relates to his/her position
  • Loan Underwriters, Title Specialist

Other Responsibilities
  • 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 in 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
  • Complies with all regulations as required by law
  • May require travel to other branches
  • Performs other duties as assigned

KNOWLEDGE, SKILLS, and ABILITIES
The requirements listed are representative of the knowledge, skills, and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions.
Experience
  • 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 of the credit union to ensure quality service.
  • Ability to perform mathematical calculations.
  • Ability to communicate effectively using written and verbal communication.

Education
High school diploma or equivalent
Licenses, Certificates, Registrations, Trainings
  • Requires valid driver's license for travel.

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

Computer/Office Equipment Skills
  • 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

Managerial Responsibility
No supervisory/managerial responsibilities
Other Skills and Abilities
  • Thorough knowledge of credit union policies, procedures and regulations
  • 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

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

Vision Requirements
  • Close vision (clear vision at 20 inches or less)
  • Distance Vision (clear vision at 20 feet or more)

Weight Lifted or Force Exerted
Ability to lift up to 10 pounds consistently and up to 50 pounds occasionally
Environmental
There are no unusually environmental factors
Noise Environment
Moderate noise (business office with computers and printers, light traffic)
#LI-JL1
#INDS
Mountain America Credit Union is an EEO/AA/ADA/Veterans employer.

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