Dealer Services Ops - UW - Consumer Credit Analyst III

Golden 1 Credit Union • Sacramento, CA

8d • Hybrid

About The Position

Golden 1 Credit Union is seeking a Consumer Credit Analyst III for its Dealer Services Operations team. The role reviews and evaluates consumer loan applications, making approval, counteroffer, or denial decisions within assigned loan authority and in accordance with credit union policies, lending procedures, risk mitigation practices, and applicable laws and regulations. The analyst handles complex lending decisions, supports underwriting excellence, and contributes to process and system improvements.

The position also communicates with loan originators and external business partners about loan decisions, resolves complaints and issues, prepares reports, supports lending campaigns and training, and helps maintain consumer lending products, policies, procedures, and materials. The analyst provides work direction, feedback, mentoring, and training to less experienced staff; may act as a team lead or as backup for the Supervisor.

This is a non-exempt, hybrid position based in Sacramento, California. The stated pay range is $37.25–$40.00 per hour.

Requirements

• High school diploma or GED required.
• At least 7 years of experience in consumer lending in a judgmental lending environment where a loan origination system is used as a guide for decisions.
• At least 4 years of experience reviewing, analyzing, and evaluating loan applications and rendering judgmental decisions.

Nice To Haves

• Associate’s degree preferred.

Responsibilities

• Review, analyze, and evaluate loan applications and approve, counter, or deny applications within designated loan authority.
• Verify transactions are accurate, complete, and compliant; assess credit history, income, financial statements, and supporting documentation.
• Use credit reports to calculate lending ratios, including capacity, credit utilization, and loan-to-value, and identify mitigating factors.
• Apply fraud detection and prevention techniques and make judgmental lending decisions in accordance with credit union guidelines.
• Maintain knowledge of applicable state and federal requirements, including bank secrecy, anti-money laundering, Fair Lending, and Truth in Lending laws.
• Receive and initiate escalated phone inquiries and communicate loan decision information or rationale to originators and external business partners.
• Address and resolve complaints or issues raised by members, internal staff, and business partners.
• Gather information, conduct analysis, and prepare reports as directed by management.
• Assist with training originators on lending policies, processes, procedures, and promotional campaigns.
• Recommend and assist with updates to consumer lending products, policies, procedures, and materials.
• Assist in preparing training and lending presentations and train personnel on lending policies and procedures.
• Provide work direction, feedback, and training to less experienced staff; mentor others in credit decisions and department procedures and policies.
• Perform upgrade validations for lending systems and recommend efficiency improvements in use of the automated loan origination system.
• May act as a team lead, provide performance feedback to less senior consumer credit analysts, and serve as backup in the Supervisor’s absence.
• Perform other lending duties as assigned.

Benefits

• The company describes its total rewards package as including compensation, well-being and work-life balance, career development and growth, rewards and recognition, and a commitment to Diversity, Equity and Inclusion.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: High school or GED