Consumer Credit Analyst jobs in Rapid City, SD

General Purpose: Responsible for overall administration and operation of the Consumer Lending function and enhancing the products offered to members, ensuring those products and pricing are mutually beneficial to members and the Credit Union.

Essential Duties/Responsibilities

• Responsible for researching and recommending lending products to offer to the membership. Recommend a pricing structure for each product that is competitive while mitigating risk for the Credit Union. Conduct financial analysis of consumer loans designed to maximize profits and broaden services. Prepare recommendations with regard to changes in or adjustments of products.
• Continually evaluate profitability and usage of loan products to determine when or if a product should no longer be offered.
• Manage the auto decisioning function, ensuring automated consumer loan decision engines function efficiently while mitigating risk for the Credit Union. Revise decision criteria as needed and monitor/report progress. Act as the liaison to front line delivery staff in matters related to auto decisioning.
• Drive or assist with the centralization of lending. Act as the liaison to front line delivery staff in matters related to centralization, working together to determine division of functional responsibilities related to consumer lending.
• Accountable for the Indirect Lending Program. Drive growth and expansion of the Indirect Lending Program, including the development of dealer relationships and growth into new markets.
• Remain current on changes within the legal, regulatory, economic, competitive, and technology environments that may affect the consumer lending function. Implement procedures as needed that are in compliance with applicable federal and state regulations.
• Assist Chief Lending Officer with respect to recommendations for hires, terminations, promotions, transfers, performance appraisals, training and development, and interpretation of credit union rules and policies for department personnel. Conduct all personnel functions in accordance with applicable statutes (e.g., EEO, OSHA, Fair Labor, etc.).
• Organize staff personnel into effective, efficient work groups. Ensure that direct reports are granted proper authority and responsibility to carry out assigned functions. Review work systems to reduce duplication of effort and unnecessary work.
• Responsible for managing and directing people and/or resources with fairness and consistency to meet departmental goals. Promote teamwork and encourage process improvement, while creating a positive work environment where employees feel recognized and valued. Responsible for evaluating employees, determining talents and development opportunities, and working with employees to improve performance, enhance skills, or create loyalty to the credit union. Conduct timely employee performance appraisals and coaching, and effectively resolve employee issues and performance concerns.

Other Duties/Responsibilities

• Ensure the development of individual and department plans and budgets that are consistent with the strategic plan and overall budget.
• Work closely with other department management personnel to ensure that the overall operation of the credit union runs smoothly.
• Actively participate in select community organizations, committees, and Chamber of Commerce functions. Promote and maintain a positive image of the Credit Union.
• Perform specific and delegated duties as assigned by the Chief Lending Officer.

Job Knowledge

• Knowledgeable in loan product development, pricing, and analysis.
• Thorough knowledge of laws and regulations affecting organization's products.
• Knowledgeable in personnel administration with an understanding of wage and salary administration, performance evaluation, and coaching.

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.

Vision: A sighted person to review direct reports' work.

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: Prolonged periods of sitting at a desk and working on a computer. Requires the ability to work flexible hours.

Job Qualifications (Ability)

• The ability to handle multiple, conflicting deadlines.
• Working knowledge of computers including personal computers and related software, in-house system and basic office machines.
• Ability to generate and analyze research data. Working knowledge of appropriate financial analysis techniques.

Job Qualifications (Education/Experience)

Job requires a four-year college level of language, math and reasoning skills. Five years experience in a related field with equal responsibilities is acceptable. Formal training should be supplemented with continuing education.

Work Environment/Physical Activities

Job requires limited physical effort. 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 details.

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.