Description

Who 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: The Strategic Lending Operations Manager supports the Chief Lending Officer by ensuring the efficiency, effectiveness, reporting and growth of all lending operations. This position requires a dynamic leader who can oversee critical functions, collaborate with cross-functional teams, and drive strategic initiatives. The successful candidate will be responsible for pipeline reporting, portfolio analysis, leading departmental projects, preparing critical data for Executive Management and the Board of Directors, and fostering a culture of excellence within the lending division.

Essential Duties/Responsibilities

1. Develop and maintain accurate and timely reports on loan pipelines, including origination, variance to goals/budget, and performance metrics of salespeople.
2. Analyze pipeline data to identify trends, bottlenecks, and opportunities for process improvement.
3. Monitor the credit union’s loan portfolio, assessing risk exposure, delinquency rates, and performance metrics.
4. Provide insights to senior management regarding portfolio health, concentration risks, and growth potential.
5. Propose strategies to optimize portfolio composition and mitigate risk.
6. Coordinate departmental meetings, ensuring effective communication and alignment across lending teams.
7. Prepare and distribute reports summarizing departmental performance, goals, and action items.
8. Work closely with lending division heads to establish performance goals, KPIs, and accountability measures.
9. Monitor individual and team performance, providing constructive feedback and coaching as needed.
10. Foster a results-oriented culture that emphasizes excellence and customer satisfaction.
11. Efficiently allocate resources, manage workloads, and prioritize tasks to meet deadlines.
12. Develop and manage the lending operations budget, optimizing resource allocation.
13. Identify cost-saving opportunities and recommend budget adjustments as necessary.

Other Duties/Responsibilities

1. Ensure compliance with regulatory requirements and internal policies.
2. Collaborate with all relevant functions & stakeholders to ensure streamlined processes and process/system enhancements are implemented effectively.
3. Continuously evaluate lending processes, identifying areas for streamlining, standardization, and efficiency gains.
4. Leverage technology to enhance operational effectiveness.
5. Additional duties as assigned or required.

Job Knowledge

1. Working knowledge of laws and regulations related to the credit union.
2. Working knowledge of organization's policies/procedures and credit union's service philosophy.
3. Working knowledge of the credit union's in-house computer system and internet.
4. Working knowledge of lending regulations and compliance.

Job 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.

1. Vision: A sighted person to handle cash transactions and verify financial transactions. Ability to complete necessary paperwork.
2. Speech/Hearing: Ability to communicate verbally and in writing with staff, members and vendors.
3. Manual Dexterity: Ability to perform necessary computer-related input.
4. Physical Mobility: Limited mobility required.
5. Advanced communication and interpersonal skills.
6. Requires the ability to work flexible hours.

Job Qualifications (Ability)

1. Ability to understand and follow complex written and verbal instructions and disseminate that knowledge in a clear and understandable format to others.
2. Ability to express oneself clearly and concisely, both orally and in writing.
3. Ability to interact positively with co-workers, management, and the public to promote a team effort and maintain a positive attitude even under pressure.
4. Ability to produce a high volume of work in a timely manner that is accurate, complete, and of high quality.
5. Ability to analyze complex problems and recommend efficiencies and solutions.
6. Ability to adapt to changing market conditions and evolving business needs.
7. Ability to collaborate with multiple departments across multiple functional areas.

Job Qualifications (Education/Experience)

Job requires a four-year college level of language, math, and reasoning. Minimum of 5 years of experience in lending operations, credit unions, or financial institutions required. Master’s degree in finance, economics, business administration, or related field preferred.

WorkingConditions

• Personal Computer
• Presentation Aids
• Microsoft Office Suite
• Various Software Applications
• Salesforce

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. Ability to function in a fast-paced area. Ability to handle multiple tasks simultaneously. Ability to set and manage deadlines independently. 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.

Qualifications