Black Hills Federal Credit Union
Indirect Relationship Specialist
Black Hills Federal Credit Union, Rapid City, South Dakota, United States, 57700
Corporate Office - Rapid City, SD 57702 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 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
The Dealer Relationship Specialist acts as a liaison to our indirect dealer partners on behalf of the Credit Union. The Dealer Relationship Specialist is responsible for developing, implementing, and sustaining an indirect lending program that increases penetration in the indirect auto market that is in line with the Credit Union’s strategic objectives. Build and enhance relationships between the Credit Union and new and existing dealers. Review and analyze dealership performance and monitor the Credit Union’s indirect loan portfolio performance. Essential Duties/Responsibilities
Responsible for the growth of BHFCU’s dealer network by researching dealers not utilizing BHFCU, educating dealers on our program to determine fit, and signing new dealers up to utilize BHFCU’s indirect program. Responsible for the generation and growth of loan volume within an assigned territory. Develop and sustain an indirect lending program that increases penetration among dealer partners consistent with the Credit Union’s growth objectives. Monitor dealership performance and proactively engage inactive or underperforming dealer partners. Apply creativity and problem‑solving skills to drive results and exceed goals. Maximize penetration levels in dealerships through performance ratios by continually tracking applications, approvals, bookings, and quality of submissions/paperwork. Provide remote customer service and training to dealership personnel. Support cross‑sell opportunities. Identify, suggest, and implement marketing opportunities and programs. Routinely visit dealers to promote lending products and programs to dealers to increase overall understanding of, and familiarity with Credit Union products. Grow and maintain strong, long‑term relationships with new and existing dealerships in person, via phone, email, and video conferencing. Responsible to stay current on competitor programs to include rate changes, market developments, news, and trends. Other Duties/Responsibilities
Keep management informed of any dealer issues. Serve as liaison between dealers and Credit Union staff while working toward resolutions, including correcting contract errors, titling issues, collecting dealer charge backs and negative reserves. Meet with dealers regularly to define expectations, review results, and identify areas of improvement. Review and analyze dealership performance and monitor the Credit Union’s indirect loan portfolio performance. Perform other duties as assigned. Job Knowledge
Working knowledge of the credit union’s products and services. Working knowledge of credit union’s policies/procedures and service philosophy. Working knowledge of safety and security program for false alarms, robberies, bomb threats and extortion. Working knowledge of credit union’s in‑house computer system / Internet. Working knowledge of state and federal consumer lending regulations. 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 handle cash transactions and verify financial transactions. Ability to complete necessary paperwork. 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 drive long distances with overnight stays. Requires the ability to work flexible hours. 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 present a professional and personable personality that communicates to members and visitors that the credit union is a professional financial institution. Ability to work within precise standardized guidelines with some latitude to make decisions and take initiative to resolve problems or unique circumstances. Job Qualifications (Education/Experience)
Job requires a high school level of language, math and reasoning skills. 3–5 years of dealership experience in Finance and Insurance, auto sales or related industry preferred. This position must possess and maintain a current, valid drivers license. Working Conditions
Material and Equipment Involved In‑House Computer System / Internet Personal Computer Various Software Applications Work Environment/Physical Activities
Job requires the employee to regularly drive long distances, in daylight and darkness, stand for periods of time up to 60 minutes; sit for periods of 4–8 hours, enter, and exit a vehicle several times throughout assigned working hours. The job will require multiple overnight stays throughout the month. 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. Physical Requirements
Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 5 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 by 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 the 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.
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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
The Dealer Relationship Specialist acts as a liaison to our indirect dealer partners on behalf of the Credit Union. The Dealer Relationship Specialist is responsible for developing, implementing, and sustaining an indirect lending program that increases penetration in the indirect auto market that is in line with the Credit Union’s strategic objectives. Build and enhance relationships between the Credit Union and new and existing dealers. Review and analyze dealership performance and monitor the Credit Union’s indirect loan portfolio performance. Essential Duties/Responsibilities
Responsible for the growth of BHFCU’s dealer network by researching dealers not utilizing BHFCU, educating dealers on our program to determine fit, and signing new dealers up to utilize BHFCU’s indirect program. Responsible for the generation and growth of loan volume within an assigned territory. Develop and sustain an indirect lending program that increases penetration among dealer partners consistent with the Credit Union’s growth objectives. Monitor dealership performance and proactively engage inactive or underperforming dealer partners. Apply creativity and problem‑solving skills to drive results and exceed goals. Maximize penetration levels in dealerships through performance ratios by continually tracking applications, approvals, bookings, and quality of submissions/paperwork. Provide remote customer service and training to dealership personnel. Support cross‑sell opportunities. Identify, suggest, and implement marketing opportunities and programs. Routinely visit dealers to promote lending products and programs to dealers to increase overall understanding of, and familiarity with Credit Union products. Grow and maintain strong, long‑term relationships with new and existing dealerships in person, via phone, email, and video conferencing. Responsible to stay current on competitor programs to include rate changes, market developments, news, and trends. Other Duties/Responsibilities
Keep management informed of any dealer issues. Serve as liaison between dealers and Credit Union staff while working toward resolutions, including correcting contract errors, titling issues, collecting dealer charge backs and negative reserves. Meet with dealers regularly to define expectations, review results, and identify areas of improvement. Review and analyze dealership performance and monitor the Credit Union’s indirect loan portfolio performance. Perform other duties as assigned. Job Knowledge
Working knowledge of the credit union’s products and services. Working knowledge of credit union’s policies/procedures and service philosophy. Working knowledge of safety and security program for false alarms, robberies, bomb threats and extortion. Working knowledge of credit union’s in‑house computer system / Internet. Working knowledge of state and federal consumer lending regulations. 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 handle cash transactions and verify financial transactions. Ability to complete necessary paperwork. 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 drive long distances with overnight stays. Requires the ability to work flexible hours. 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 present a professional and personable personality that communicates to members and visitors that the credit union is a professional financial institution. Ability to work within precise standardized guidelines with some latitude to make decisions and take initiative to resolve problems or unique circumstances. Job Qualifications (Education/Experience)
Job requires a high school level of language, math and reasoning skills. 3–5 years of dealership experience in Finance and Insurance, auto sales or related industry preferred. This position must possess and maintain a current, valid drivers license. Working Conditions
Material and Equipment Involved In‑House Computer System / Internet Personal Computer Various Software Applications Work Environment/Physical Activities
Job requires the employee to regularly drive long distances, in daylight and darkness, stand for periods of time up to 60 minutes; sit for periods of 4–8 hours, enter, and exit a vehicle several times throughout assigned working hours. The job will require multiple overnight stays throughout the month. 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. Physical Requirements
Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 5 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 by 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 the 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.
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