Dealer Services Ops - UW - Consumer Credit Analyst III

Golden 1 Credit Union•Sacramento, CA

8d•Hybrid

About The Position

Golden 1 Credit Union is hiring a Consumer Credit Analyst III in Dealer Services Ops. This non-exempt role reviews, analyzes, and evaluates consumer loan applications under established credit union policies, using underwriting procedures and risk mitigation techniques to make approval, counteroffer, or denial decisions within designated lending authority. The analyst evaluates transaction accuracy and compliance, credit history, income, financial statements, supporting documentation, fraud indicators, and lending ratios such as capacity, credit utilization, and loan-to-value. The role handles escalated phone inquiries and communicates loan decisions and their rationale to originators and external business partners. It also addresses complaints and issues raised by members, staff, and partners; prepares reports; supports and delivers training; recommends updates to consumer lending products, policies, procedures, and materials; validates lending-system upgrades; and identifies improvements to the automated loan origination system. The analyst may provide direction and feedback to less experienced staff, mentor colleagues, act as a team lead, and serve as backup for the Supervisor. The position is hybrid in Sacramento, California, and pays $37.25–$40.00 per hour. Golden 1 describes its total rewards approach as including compensation, well-being and work-life balance, career development and growth, rewards and recognition, and a commitment to diversity, equity, and inclusion.

Requirements

High school diploma or General Education Degree (GED).
At least 7 years of experience in consumer lending in a judgmental lending environment where a loan origination system (LOS) is used as a guide for decisions.
At least 4 years of experience reviewing, analyzing, and evaluating loan applications and making judgmental decisions.

Nice To Haves

Associate’s degree.

Responsibilities

Review, analyze, and evaluate consumer loan applications according to credit union policies and underwriting procedures, and approve, counter, or deny applications within designated loan authority.
Verify transaction accuracy, completeness, and compliance.
Analyze credit history, income, financial statements, and required documentation to assess repayment propensity, repayment ability, and document 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 requests comply with credit union guidelines, identify mitigating factors, and make judgmental lending decisions.
Maintain understanding of applicable state and federal laws and regulations, including bank secrecy, anti-money laundering, Fair Lending, and Truth in Lending requirements.
Receive and initiate escalated phone inquiries and communicate with originators and external business partners about loan decisions and their rationale.
Address and resolve complaints and 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 product, policy, and procedure materials.
Assist in preparing lending training materials and presentations.
Train personnel on lending policies and procedures.
Provide work direction, feedback, and training to less experienced staff; mentor others in credit decision-making and department procedures and policies.
Perform upgrade validations for lending systems and recommend efficiency improvements to the automated loan origination system.
May act as a team lead and provide performance feedback to less senior consumer credit analysts.
May act as backup when the Supervisor is absent.
Perform other lending duties as assigned.