Careers

Job Purpose: Responsible for developing appropriate lending relationships which includes the ability to conduct thorough credit investigations, obtain the necessary information to effectively make credit decisions, and communicate decisions.

Primary Responsibilities:

1. The Loan Officer is responsible for collecting all necessary information in order to effectively underwrite and service the loan and will work with the Credit Analyst in a professional and timely manner.
2. The Loan Officer must be able to provide sound financial guidance to borrowers while protecting the interests of DWCU and the borrower’s financial condition.
3. The Loan Officer is accountable for every loan they originate and in charge of the full loan cycle, including any follow up required and collection activities, and will work with the appropriate staff on all repossessions and workout situations.
4. The Loan Officer approves loans within their authority in accordance with Dakota West Credit Union’s Loan Policy and according to State and Federal Regulations. The Loan Officer will present loans above their approval authority to the Credit Committee for approval.  The Loan Officer must be capable, ready and willing to make sound judgments and decisions in the best interest of DWCU.
5. If the loan is not approved, the Loan Officer is responsible to inform the borrower.
6. Prepares the Loan Processor Worksheet and submit the Worksheet with the appropriate documentation to the Loan Processor Group to prepare loan documents.
7. Responsible to grow their loan portfolio with quality loans and to grow non-interest income for the Credit Union, this may include spending a portion of their time outside the office seeking new loan opportunities & having ability to work flexible hours including weekends to accommodate borrowers’ schedules.
8. Responsible to cross-sell other loan products and other services of the Credit Union.

1. Promote the improvement of Dakota West Credit Union through quality member service, promotion of products, professionalism in conduct and diligent work ethic.

Education, Experience and Certification Requirements

Basic Qualifications:

1. Strong commitment to providing exceptional member service.
2. High School diploma or equivalency.
3. Previous computer experience.
4. 1-2 years previous financial institution/member service experience
5. Strong communication and organizational skills.

Preferred:

1. Extensive knowledge of lending operational procedure and policy.

1. Previous Financial Institution Operations knowledge and skills.
2. Previous exposure to Agricultural operations
3. Bachelor’s Degree in a business or accounting related field.

Physical and Mental Demands 

1. Constantly required to sit, hear, talk, write, read, keyboard/computer entry, reach, stretch, work under time constraints with needed ability for task management flexibility and to perform routine duties with attention for details.
2. Constant abilities used/required on the job are mathematics, memory, reasoning, estimating, problem-solving and exercising judgment.
3. Occasionally drive a car or work extended hours.
4. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and the ability to adjust focus.

Work Environment

1. Constantly works with others, around others and with members and the public. Constantly works indoors, in confined areas and is exposed to the risk of electrical shock.
2. Frequently works around noise (moderate level). The employee must have the ability to focus on tasks and members while hearing teller machines, conversations of others, coin sorter, music, phones etc., in a confined area.
3. Infrequently the employee works alone and also works near moving objects. The employee is also infrequently exposed to outdoor weather conditions.

Reports to: Chief Credit Officer

Department: Lending

Employees Supervised:  None

Job Purpose: Responsible for analyzing credit and financial information to determine risk associated with loaning money or extension of credit. Scrutinizes financial data to establish trends and gain insight into borrowers operation, financial condition, and management capability.

Primary Responsibilities:

1. Inputs federal tax returns and borrower financial statements into Web Equity (or other company approved software) in a consistent and proper manner to underwrite the credit quality of all agricultural and commercial loan requests focusing on cash flow analysis and loan repayment capacity along with collateral values and LTV positions.
2. Documents all risks identified by the underwriting of the credit request.
3. Compares the results of the underwriting to industry recognized data such as RMA, NDSU, and other such industry reports.
4. Runs the risk rating model and related stress testing for all agricultural and commercial loan requests.
5. Compares projections to actual performance and adjust future projections as necessary to insure risk ratings and performance indicators are consistently utilized throughout the credit union.
6. Works with the individual loan officers to ensure loan requests are thoroughly completed in a professional and timely manner.
7. Serves as the administrator of the Web Equity software and will be the primary contact person with the vendor.
8. Prepares and runs the quarterly stress testing reports on Web Equity for the agricultural and commercial loan portfolio.
9. Annually gathers financial data on all participating lenders and supporting documentation such as resumes and work experience in accordance with NCUA guidance, conducts requisite due diligence and maintains appropriate files on each participant.
10. The Credit Analyst will work on projects and assignments related to improving the performance of the Web Equity software, risk rating models and overall agricultural/commercial loan process in general.

1. Promote the improvement of Dakota West Credit Union through quality member service, promotion of products, professionalism in conduct and diligent work ethic.

Education, Experience and Certification Requirements

Basic Qualifications:

1. Great communication skills and listening skills.
2. Computer skills including spreadsheets, word documents, and imaging systems.
3. Ability to manage time and manage multiple projects.
4. A good attitude and ability to work with others.

Preferred:

1. Knowledge of State and Federal lending regulations.
2. Knowledge of DWCU’s Loan Policy and Procedures.
3. Knowledge of general accounting principles and of tax returns and financial statements and ability to track cash flow and analyze repayment capacity.
4. Knowledge of collateral valuation methods.

Physical and Mental Demands 

1. Constantly required to sit, hear, talk, write, read, keyboard/computer entry, reach, stretch, work under time constraints with needed ability for task management flexibility and to perform routine duties with attention for details.
2. Constant abilities used/required on the job are mathematics, memory, reasoning, estimating, problem-solving and exercising judgment.
3. Occasionally drive a car or work extended hours.
4. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and the ability to adjust focus.

Work Environment

1. Constantly works with others, around others and with members and the public. Constantly works indoors, in confined areas and is exposed to the risk of electrical shock.
2. Frequently works around noise (moderate level). The employee must have the ability to focus on tasks and members while hearing teller machines, conversations of others, coin sorter, music, phones etc., in a confined area.
3. Infrequently the employee works alone and also works near moving objects. The employee is also infrequently exposed to outdoor weather conditions.

Reports to: Credit Manager

Department: Lending

Employees Supervised:  None

Job Purpose: Responsible for leveraging third party software to ensure the credit union’s information and efficiency needs are met. Works closely with users, both end users and IT Staff, to provide daily support. Assists with repairing, maintaining, upgrading and installing hardware/software and related equipment. Performs diagnosis to determine source of problems and makes necessary changes. Ensures updates and upgrade schedules are adhered to. Efficiently assists with installation of new systems and equipment. Performs a variety of complex tasks. Overnight travel is sometimes necessary.

Primary Responsibilities

1. Assumes responsibility for establishing and maintaining patching schedule for servers, network devices, end user PC’s… etc.
2. Assumes responsibility for monitoring existing backup solutions. Responds to alerts and swiftly works with the IT Manager to remediate.
3. Assist with hardware upgrades and replacements (PC’s, peripherals, servers, networking devices… etc.)
4. Assist in disaster recovery training exercises.
5. Assumes responsibility for maintaining network devices (switches, routers… etc.) and ensures uptime of such devices.
6. Crosstrain with existing IT Staff to provide support with existing software and products.
7. Provide daily computer, network and software support for employees.
8. Assists with troubleshooting, analyzing problems and making repairs on computers and peripheral equipment.
9. Assumes responsibility for establishing and maintaining effective communication, coordination and working relations with staff and management.
10. Loads software or adjusts settings to ensure systems are current, supported and best practices are adhered to.
11. Escalating help desk tickets to appropriate IT Staff when necessary.
12. Works closely with management and auditors (both internal and external) to remediate any findings.

Note: Only minimum responsibilities are listed. Other responsibilities may be required as requested by management.

Education, Experience and Certification Requirements

Experience required: At least 3+ years of related experience.

Education & Certification: associate or bachelor’s degree in computer science preferred or related field or an equivalent combination of education, training, and experience.    

Basic Qualifications

1. Strong commitment to providing exceptional member service.
2. Computer skills including spreadsheets, word process, and imaging systems
3. Strong communication and organizational skills

Preferred

1. Understanding of cyber security
2. Compliance training
3. Computer certifications in Microsoft, CompTIA or equivalent
4. Experience and knowledge with supporting LAN/WAN networks
5. Experience and knowledge with supporting/implementing various backup solutions
6. Ability to manage time and manage multiple projects

Skills/Abilities

1. Strong analytical and problem-solving skills
2. Well organized
3. Solid project management abilities
4. Good communication skills
5. Ability to assist and train others
6. Able to use PC, terminal keyboard, and various computer hardware

Physical and Mental Demands 

1. Constantly required to sit, hear, talk, write, read, keyboard/computer entry, reach, stretch, work under time constraints with needed ability for task management flexibility and to perform routine duties with attention for details.
2. Constant abilities used/required on the job are mathematics, memory, reasoning, estimating, problem-solving and exercising judgment.
3. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and the ability to adjust focus
4. Must be able to lift up to 40 lbs.

Work Environment

1. Constantly works with others, around others and with members and the public. Constantly works indoors, in confined areas and is exposed to the risk of electrical shock.
2. Frequently works around noise (moderate level). The employee must have the ability to focus on tasks and members while hearing office machines, conversations of others, music, phones etc., in a confined area.
3. Infrequently the employee works alone and works near moving objects. The employee is also infrequently exposed to outdoor weather conditions.
4. Overnight travel is sometimes necessary.

Reports to: Technology Manager

Department: Information Technology

Employees Supervised: None