Dealer Services Ops - UW - Consumer Credit Analyst III

Golden 1 Talent Acquisition Team•Sacramento, CA

9d•$37 - $40•Hybrid

About The Position

The Consumer Credit Analyst III reviews, analyzes, and evaluates consumer loan applications under established credit union policies and underwriting procedures. The role makes approval, counteroffer, or denial decisions using risk-mitigation techniques and designated loan authority. It also supports lending operations through escalated inquiry handling, reporting, training, policy and product updates, lending-system validation, and mentoring or work direction for less experienced analysts. The position may act as a team lead or cover for the supervisor when needed.

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.
Knowledge of applicable consumer lending compliance requirements, including bank secrecy, anti-money laundering, Fair Lending, and Truth in Lending laws.

Nice To Haves

Associate’s degree.

Responsibilities

Review loan transactions for accuracy, completeness, and compliance.
Analyze applicants’ credit histories, income, and financial statements to assess repayment propensity and ability.
Evaluate required documentation for accuracy and truthfulness, and apply fraud detection and prevention techniques.
Use credit reports to calculate lending ratios, including capacity, credit utilization, and loan-to-value; assess requests against credit union guidelines, identify mitigating factors, and make judgmental decisions within designated loan authority.
Maintain knowledge of applicable state and federal laws and regulations, including bank secrecy, anti-money laundering, Fair Lending, and Truth in Lending requirements relevant to the role.
Receive and initiate escalated phone inquiries and communicate with originators and external business partners about loan decisions.
Address and resolve complaints or issues raised by members, internal staff, and business partners.
Gather information, perform analysis, and prepare reports as directed by management.
Assist with training originators on lending policies, processes, and procedures, and with administering lending promotional campaigns.
Recommend and assist with updates to consumer lending products, policies, procedures, and related materials.
Assist in preparing training materials and lending presentations.
Train personnel on lending policies and procedures; provide work direction, feedback, and training to less experienced staff; and mentor others in credit decisions and department procedures and policies.
Perform upgrade validations for lending systems, understand the automated loan origination system, and recommend efficiency improvements.
May act as a team lead and provide performance feedback to less senior consumer credit analysts.
May act as backup in the supervisor’s absence.
Perform other lending duties as assigned.