Mortgage Loan Officer

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 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: 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.


Essential Duties/Responsibilities:

• 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.

Other Duties/Responsibilities:

• 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.
• Perform other duties as assigned by the manager or Mortgage VP.

Job Knowledge:

• 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.
• The ability to execute time management and self-discipline skills. Must be able to 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.

Job 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: 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 carry twenty (20) pounds.
• Must possess a valid driver's license and be able to drive a company vehicle to events.

Job Qualifications (Ability):

• Ability to understand and follow complex written and oral instructions.
• Ability to comprehend complex functions and procedures and to be able to disseminate that knowledge in a clear and understandable format to others.
• Ability to express oneself, clearly and concisely, both orally and in writing.
• Ability to prepare and maintain confidential records and reports.
• Ability to gather, assemble, correlate, and analyze facts and develop solutions.
• Ability to analyze statistics and financial data.
• Ability to assess the needs of multiple members and prioritize requests to ensure that all members receive the highest quality service possible. Ability to handle daily routine with moderate freedom to interpret and act upon various situations.
• Ability to present a professional and personable personality that communicates to members and visitors that the credit union is a professional financial institution.

Job Qualifications (Education/Experience):

Job requires a four-year college level of language, math and reasoning skills. Three years' consecutive experience as Personal Mortgage Associate or minimum of five years' direct experience and skill in the areas of real estate lending or a related field. Formal training should be supplemented with continuing education.


This role requires building and maintaining strong relationships with all departments within the credit union to foster mutually beneficial partnerships. The ideal candidate will possess extensive knowledge of local market trends and industry standards.

This position requires flexibility and high professional standards of personal appearance, conduct, judgment, and the highest level of confidentiality.


Working Conditions:

Material and Equipment Involved

• In-House Computer Systems / Internet
• Multi-Functional Device
• Presentation Aids
• Personal Computer
• Various Software Applications
• Projector
• Trade Show displays

Work Environment/Physical Activities

Frequent travel to one of BHFCU's branch locations or attendance at community events will be required.

Physical Requirements

Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 20 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.