Dealer Services Ops - UW - Consumer Credit Analyst II (Remote in CA only)

Golden 1 Credit Union•Sacramento, CA

1d•Remote

About The Position

The Consumer Credit Analyst II - NLA is responsible for reviewing, analyzing, and evaluating simple to complex secured and unsecured consumer loan applications. Based on their judgment, they will approve, modify, or deny applications consistent with credit union guidelines. The role requires clear documentation and communication of the decision-making process, maintaining strong relationships with members and originators, and a thorough understanding of the credit union’s underwriting standards, risk philosophy, credit culture, and market conditions.

Requirements

Successful completion of High School curriculum is required.
4-7 years in consumer lending, in a judgmental lending environment where LOS is used as a guide to make decisions or 5+ years in loan processing.
Strong analytical, organizational skills and attention to detail.
Ability to calculate figures and amounts.
Ability to use logical reasoning when interpreting facts and make objective observations, examinations, evaluations, and recommendations.
Remain knowledgeable on key trends in the financial services industry that impact loan quality and underwriting.
Solid interpersonal, oral and written communication skills.
Knowledge of credit analysis and reporting.
Possess a high degree of integrity to use judgment to make appropriate and fair lending decisions on behalf of the credit union.
Comprehensive understanding of both branch and indirect credit union lending policies.
Ability to sell and promote product lines, and back up lending decisions in a way that enhance originator relationships.
Understand the use of the automated loan origination system.
Operate on standard Microsoft programs and other computer operations.
Stay up to date on changes within the department, organization, industry and current market conditions.
Strong understanding of assigned territory lending market conditions and collateral values.
Must work well in a fast-paced and flexible production oriented department.
Analytical skills to include reviewing and understanding complex paystub and tax return documents.
Prolonged sitting throughout the workday with occasional mobility required.
Corrected vision within the normal range.
Hearing within normal range.
Occasional movements throughout the department daily to interact with staff, accomplish tasks, etc.

Nice To Haves

Associates degree is preferred.

Responsibilities

Review, analyze, and evaluate loan applications based on established credit union policies and apply knowledge of underwriting procedures and loan authority to approve, counter, or deny consumer loan applications.
Evaluate and ensure that the transaction is accurate, complete, and compliant.
Review required documentation for accuracy and truthfulness.
Apply fraud detection and prevention techniques.
Perform paystub and basic tax return analysis to determine ability to repay.
Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance, including bank secrecy, anti-money laundering, Fair Lending, and Truth in Lending laws appropriate to the position.
Review credit reports and interpret the data along with the analysis of key lending ratios to determine capacity, credit utilization, and Loan to Value.
Receive and initiate phone inquiries, communicating and interacting with originators and external business partners to provide information or reasoning regarding loan decisions.
Effectively address and resolve all complaints or issues raised by members, internal staff, and business partners.
Gather information and perform analysis as requested to help prepare reports as directed.
Assist with training originators regarding lending policies, processes, or procedures, and in administering lending promotional campaigns.
Make recommendations and assist with updating product, policy, and procedure materials pertaining to consumer lending.
Train personnel on lending policies and procedures.
Perform upgrade validations pertaining to lending systems.
Assist with other Lending duties as assigned.