Spencer Sumsion
Orem,UT
Summary
Senior Loan Officer at Mountain America Credit Union with three years of lending experience and a strong track record as a top performer, leading the branch and ranking top three in the region. In 2025, placed top 15 out of 500+ loan officers and generated over $10M in auto loan volume. Specializes in credit analysis, auto loan financing and structuring, debt consolidation, and personalized lending strategies. Earned senior role on an accelerated timeline and holds a Marketing degree from Utah Valley University (April 2026).
Overview
6
6
years of professional experience
2
2
Certifications
Work History
Senior Financial Service Representative
Mountain America Credit Union
Payson, UT
2025.04 - Current
- Highest non-management lending role; independently manage advanced consumer lending, complex credit analysis, and personalized debt solutions
- Originated $10M+ in auto loan volume across 450+ loans (avg. $22K per deal)
- Generated $4.4M in refinanced auto loans from external institutions, saving members thousands through consultative sales strategies
- Highly experienced in indirect lending, with a strong understanding of dealer partnerships, loan structuring, and auto financing processes
Member Experience Officer
Mountain America Credit Union
Payson, UT
2022.11 - 2025.04
- Delivered high-quality member service while gaining hands-on experience with auto loan applications, processing, and funding
- Assisted with numerous auto loans, building strong familiarity with loan structures, documentation, and underwriting basics
- Identified member needs, initiated financial conversations, and referred lending opportunities to support branch growth
Full-time Volunteer Missionary
The Church Of Jesus Christ Of Latter-day Saints
Hanoi, Vietnam
2020.09 - 2022.09
- Served as a missionary in New York City and Vietnam, adapting quickly to diverse, fast-paced environments
Education
Bachelor of Science - Marketing
Utah Valley University
Orem, UT2026-04
Skills
- Auto Financing & Loan Structuring
- Indirect Lending & Dealer Partnerships
- Credit & Risk Assessment
- Consumer lending
- Debt consolidation
- Consultative sales
- Member relationship management
- Regulatory compliance
Certification
Notary Public
Timeline
Senior Financial Service Representative
Mountain America Credit Union
2025.04 - Current
Member Experience Officer
Mountain America Credit Union
2022.11 - 2025.04
Full-time Volunteer Missionary
The Church Of Jesus Christ Of Latter-day Saints
2020.09 - 2022.09
Bachelor of Science - Marketing
Utah Valley University