Consumer Direct Lending Ops - Consumer Credit Analyst I
About The Position
Golden 1 Credit Union is seeking a Consumer Credit Analyst I for its Consumer Direct Lending Operations department. The analyst reviews, analyzes, and evaluates consumer loan applications under established credit union policies and underwriting procedures, using risk-mitigation techniques to approve, counter, or deny applications within designated loan authority. The role assesses repayment propensity and capacity, reviews transaction details and supporting documents, applies fraud-prevention techniques, calculates lending ratios, and ensures requests align with credit union guidelines and applicable compliance requirements. The analyst communicates with loan originators and external business partners about loan decisions, handles or escalates minor issues and complaints, assists with management reporting and training, and may support lending promotional campaigns or perform other lending duties as assigned. The position is hybrid in Sacramento, California, non-exempt, and reports to the Supervisor - Direct Lending. The listed pay range is $25.40–$32.00 per hour.
Requirements
- High school diploma or General Education Degree (GED).
- At least 6 months of experience in consumer lending in a judgmental lending environment where a loan origination system (LOS) is used as a guide for decisions.
Nice To Haves
- Associate’s degree preferred.
Responsibilities
- Review, analyze, and evaluate consumer loan applications under established credit union policies and underwriting procedures; approve, counter, or deny applications within designated loan authority.
- Review transactions to ensure they are accurate, complete, and compliant.
- Analyze credit history to assess propensity for repayment.
- Analyze income and financial statements to determine ability to repay.
- Evaluate required documentation for accuracy and truthfulness.
- Apply fraud detection and prevention techniques.
- Use credit reports to calculate lending ratios, including capacity, credit utilization, and loan-to-value.
- Ensure application requests align with credit union guidelines, identify mitigating factors, and make judgmental lending decisions.
- Maintain understanding of applicable state and federal laws and regulations, including those related to bank secrecy, anti-money laundering, Fair Lending, and Truth in Lending.
- Receive and initiate phone inquiries and communicate with originators and external business partners about loan decisions.
- Address, resolve, or escalate minor complaints or issues raised by members, internal staff, and business partners.
- Gather information to assist in preparing management reports.
- Assist with training originators on lending policies, processes, and procedures.
- Assist in administering lending promotional campaigns.
- Perform other lending duties as assigned.
Benefits
- Market-competitive and internally equitable total rewards compensation package.
- Well-being and work-life balance programs.
- Career development and growth opportunities.
- Rewards and recognition.
- Commitment to Diversity, Equity and Inclusion.
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
Education Level
High school or GED
