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 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:  Responsible for supervising the processing and servicing functions within the Mortgage Operations Department.

Essential Duties/Responsibilities
- Supervise the mortgage loan processing and servicing functions which includes processing loans from application through.
- Establishes, enhances, and maintains an effective team environment within the Mortgage Department.
- Direct, motivate, hire, and coach mortgage operations personnel; and administer performance appraisals.  Attend, facilitate, and/or schedule meetings and training.
- Ensures administrative and operations compliance with Federal and State laws and regulations applicable to BHFCU, including the Bank Secrecy Act.
- Promote the Mortgage Department within the Credit Union and the community.
Other Duties/Responsibilities
- Supports, enhances, and maintains relationships established by the loan officers with members, real estate agents, and builders.
- Ability to constantly multi-task, thrive, and maintain high performance levels in a fast-paced environment and in stressful situations.
Job Knowledge
-  Extensive knowledge of the credit union's products and services.
- Extensive knowledge of organization's policies/procedures and credit union's service philosophy.
- Working knowledge of credit union's in-house computer system.
-   Extensive knowledge of FHA, VA, SD housing, and selling into the secondary market.
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Qualifications (Skills)
Black Hills FCU 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)
-  Extensive knowledge of FNMA/FHLMC/FSA/VA/USDA.
- Above-average computer skills necessary including Word, Excel, PowerPoint, FICS, XP, etc.
- Ability to constantly multi-task, thrive, and maintain high performance levels in a fast-paced environment and in stressful situations.
- Excellent organization skills and written/verbal communication skills.
- Good analytical ability with strong problem-solving skills and exemplary attention to detail.
- Member service oriented.
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Qualifications (Education/Experience)
Job requires a four-year college level of language, math, and reasoning skills. Five years’ relevant mortgage processing/closing and/or mortgage underwriting experience and must be able to serve as an expert in mortgage operations. Management and/or supervisory experience in the mortgage lending industry with demonstrated success developing/training staff.
Working Conditions
Material and Equipment Involved
- Personal Computer
- Presentation Aids
- Signature Pads
- WebEx
- Tablet and Mobile Devices
- PA Sound System
- Video Recording Devices
- Scanners
- Projectors and Screens
- PowerPoint
- Photocopy Machine
- Excel
- Various Software Applications
- Word

Work Environment/Physical Activities
Occasional travel to one of BHFCU’s branch locations or attendance at community events may be required.
Job requires limited physical effort.  It is primarily a desk assignment.  Work within a highly structured and closely supervised environment. Ability to function in a fast-paced area.  Ability to handle multiple tasks simultaneously.  Work creates normal fatigue daily.  Work creates moderate stress during certain periods during daily routine.  The job calls for a high degree of mental concentration to interpret and act upon a wide range of situations.  The job requires a degree of attention to detail.
Notice:  This job description is not intended to be, nor should it be construed as, a contract or guarantee for employment.  BHFCU adheres to all federal and state labor laws regarding termination and probationary periods.  This position is also subject to all the personnel policies of the 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.