Job Description

Job Location: Corporate Office - Rapid City, SD 57702
Job Category: ManagementWho We Are
We have the fundamental belief that we, as an organization, can and will improve lives. Rooted in the centuries-old credit union philosophy of people helping people, we maintain a simple premise. Those we interact with will receive equal and just treatment, devoid of intolerance, false judgment, racism, or discrimination of any kind. We must not accept less if we are to fulfill our mission, "We Improve Lives." This mission empowers us to serve the greater good and to make a difference in our world. Our cooperative structure creates a cycle of mutual assistance towards the common goal of the financial well-being of members.
At Black Hills Federal Credit Union (BHFCU), we’re committed to improving the lives of our members every day, and we look for people who share that passion. Don’t have a ton of financial industry experience? No problem. Our onboarding includes an orientation program with ongoing training to help staff further their career at BHFCU by building on their existing strengths.
General Purpose: Supports the Consumer Loan Underwriting Manager and serves as the Assistant Manager for the overall department.  Leads the consumer loan processing team to oversee processing operations to ensure accurate, timely, and compliant loans. Provides day-to-day operational support across consumer lending, to also include underwriting decisions, all application channels and lending initiatives.

Essential Duties/Responsibilities:
- Supervise, train, and evaluate processing staff through observation, coaching, and performance management to ensure productivity, accuracy, service standards, and alignment with departmental goals.
- Oversee daily loan processing operations, ensuring loans are accurately completed, properly documented, and funded within established timelines.
- Provide continuous feedback, coaching, and development planning to promote employee growth, cross-functional knowledge, operational excellence, and regulatory compliance.
- Monitor team and departmental workloads, prioritizing assignments to meet service level expectations, decision and funding deadlines, and overall lending performance objectives.
- Ensure loan documentation processes are followed, with documents accurately scanned, indexed, and stored.
- Oversee quality control and member experience audits to ensure service standards are met and compliance with internal policies and regulatory requirements is maintained.
- Serve as a point of contact for branches, dealerships, and internal partners to research and resolve discrepancies and inquiries while maintaining strong relationships.
- Process and underwrite loans as needed to support staffing demands.
- Support resolution of escalated loans and complex scenarios requiring advanced review and sound analytical decision-making.
- Act as backup to the Consumer Loan Underwriting Manager, assisting with operational decisions, workflow management, and escalations, and providing leadership across all lending functions in their absence.
- Support all consumer lending initiatives, including the development and refinement of workflows, staffing models, and scalable processing and decisioning solutions.
- Collaborate with leadership to analyze performance, improve operational efficiencies, strengthen cross-functional alignment, and support strategic lending initiatives, profitability, and program effectiveness.
- Develop and/or maintain reporting to monitor production and track staff performance against established goals.
- Assist with underwriting and processing across all product lines during periods of high volume or staffing shortages, ensuring adherence to credit policy, risk standards, and regulatory requirements.
Other Duties/Responsibilities:
- Provide day-to-day guidance on consumer loan processing and underwriting to team members, ensuring accuracy, consistency, and adherence to established policies.
- Demonstrate effective leadership through ongoing coaching, regular one-on-one meetings, and active team engagement.
- Facilitate clear, professional, and effective communication between underwriting, processing, external and internal partners to support exceptional service and operations.
- Perform other duties as assigned by the Consumer Loan Underwriting Manager.
Job Knowledge:
- Strong knowledge of credit union products and services, with particular emphasis on consumer lending and all loan application channels.
- Working knowledge of organizational policies, procedures, and service standards, with the ability to apply them consistently across daily operations.
- Working to advanced knowledge of loan processing, underwriting, workflows, loan documentation, and funding procedures.
- Knowledge of credit union systems, loan origination platforms, and reporting tools used to support loan decisioning, processing, and performance tracking.
- Demonstrated supervisory or leadership experience, with the ability to coach, and develop team members in a professional and effective manner.
- Thorough understanding of applicable state and federal consumer lending regulations, compliance requirements, and sound risk management practices.
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Qualifications (Skills):
BHFCU is committed to working with its employees to reasonably accommodate them with the physical aspects of the position.  The following list outlines the physical considerations that are normally encountered in this job.
- Vision: A sighted person to effectively review documents.
- Speech/Hearing: Ability to communicate verbally and in writing with staff, members and vendors.
- Manual Dexterity: Ability to perform necessary computer-related input.
- Physical Mobility: Limited mobility required.  Requires the ability to work flexible hours.
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Qualifications (Ability):
- Ability to understand and apply complex written and verbal instructions, and convey that information clearly and effectively to others.
- Ability to interact positively with co-workers, management, internal and external members, and dealer partners while maintaining a high level of composure and professionalism.
- Ability to maintain strict confidentiality of sensitive financial, employee, and member information.
- Ability to supervise and produce a high volume of accurate, quality work while effectively managing multiple priorities and meeting deadlines.
- Ability to analyze decision or documentation issues, operational data, and workflow challenges to identify root causes and develop effective solutions.
- Ability to exercise sound judgment and make decisions within established guidelines.
- Ability to remain organized and apply a structured, detail-oriented approach to completing tasks and managing responsibilities.
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Qualifications (Education/Experience):
A four-year college level of language and reasoning are required. Three to five years of consumer lending experience, including underwriting or loan processing with increasing responsibility, is preferred. Supervisory or demonstrated leadership experience is highly desirable, along with a commitment to ongoing professional development.
Occasional travel to BHFCU dealer partner and branch locations or attendance at community or vendor events may be required.
Working Conditions:
Material and Equipment Involved
- Personal Computer
- In-House Computer Systems / Internet
- Presentation Aids
- Video Conferencing Software
- Various Software Applications

Work Environment/Physical Activities
Occasional travel to one of BHFCU’s branch locations or attendance at community events may be required.
Physical Requirements
Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 5 lbs. Must be capable of climbing/descending stairs in emergency situation. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer for an average of 6-8 hours per day. Must be able to work extended hours whenever required or requested by management. Must be capable of regular, reliable and timely attendance.
Working Conditions
Must be able to routinely perform work indoors in climate-controlled shared work area with moderate noise.
Mental and/or Emotional Requirements
Must be able to perform job functions with supervision and work effectively either on own or as part of a team. Must be able to read and carry out various instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be able to perform basic mathematical calculations with extreme accuracy. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines/requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on confidential matters.
Notice:  This job description is not intended to be, nor should it be construed as, a contract or guarantee of employment.  Black Hills Federal Credit Union adheres to all federal and state labor laws regarding termination and probationary periods.  This position is also subject to all the personnel policies of Black Hills Federal Credit Union.  Changes may be made to this job description at any time by the President.  Black Hills Federal Credit Union is an equal opportunity employer.
Black Hills Federal Credit Union is an equal opportunity employer. All applicants will receive consideration without regard to age, race, color, sex, sexual orientation, genetic information, religion, national origin, disability, veteran status, or any other status or condition protected by state or federal law. BHFCU will provide reasonable accommodation to qualified persons with a disability but who are otherwise able to perform the essential functions of the job.