Mortgage Loan Officer

MORTGAGE LOAN OFFICER – SIOUX FALLS (FULL TIME)

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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.

Responsible for originating both internal and external mortgage loans by supporting local branches, working leads from various internal sources, developing outside referral relationships, and driving external production.

• Work leads from multiple sources, including referrals, online inquiries, and branch‑generated leads.
• Proactively source and develop new business opportunities through networking, referrals, and marketing strategies.
• Meet with clients to understand their financial needs and goals and provide expert advice on mortgage products and services.
• Prepare and submit loan applications, ensuring all documentation is accurate and complete.
• Maintain a strong understanding of local real estate market trends and industry regulations.
• Relationship Management:
  Build and maintain strong relationships with clients, real estate agents, and other industry professionals.
• Ensure all loan files comply with regulatory requirements and company policies.
• Achieve and exceed sales targets and performance metrics.

• Responsible for perfecting the mortgage and securing all insurance coverage required on any real estate taken as security. Perform notary public duties as required.
• Reject loan applications not in conformance with Black Hills FCU policies. Prepare necessary notification and forms. Refer rejected loans to Mortgage Department Manager as needed.
• Identify, analyze, and recommend solutions to problems and opportunities within existing products and services.li>
• Perform other duties as assigned by the manager or Mortgage VP.

• Strong knowledge of mortgage products, services, and industry regulations.
• Knowledge of laws and regulations affecting Credit Union operations.
• Knowledge of organization’s policies/procedures and Credit Union's service philosophy.
• Knowledge and delivery of the ENGAGE model.
• Ability to execute time management and self‑discipline skills. Must manage time effectively, regardless of work location (branch office, home office or traveling).
• Advanced ability to present and write; ability to communicate with all facets of the Credit Union's constituency, from entry level employees to skilled professionals and managers/owners; ability to meet deadlines and work under pressure.
• Advanced knowledge of business English and spelling/grammar.
• Advanced knowledge of PC software, including but not limited to word processing, spreadsheets, databases.
• Ability to maintain member relationship information in a meaningful way that can be shared.

• 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:
  Ability to travel to make presentations on the Credit Union's behalf, travel to other offices, and the ability to work flexible hours. Must be able to lift and…