Consumer Credit Officer

Axos Bank • San Diego, CA

6d • $20 - $25 • Onsite

About The Position

Axos is seeking someone to analyze and perform risk assessments on potential loan applicants determining borrowing history and other specific risk factors to determine credit worthiness.

Requirements

• Minimum one year of consumer unsecured underwriting loan amounts
• Knowledge of and exposure to theories, principles, and concepts with lending regulations
• Strong understanding of ‘online’ lending, fraud risk and suspicious data attributes.
• Experience with training and supporting others with loan decisions.
• Support the maintenance and suggests enhancements to processes.
• Must be flexible to work Monday - Saturday shift. Requires flexibility in work schedule, evening hours and weekends may be required.

Responsibilities

• Review consumer installment loan applications and all supporting documentation; to reasonably determine an applicant’s financial condition rendering sound decisions supported by guidelines and company policies.
• Communication and notation are clear and thorough to ensure audit and forensic teams understand reasoning for decisions.
• Identifies suspicious data with a seasoned comprehension of online fraud activity and suspicious data points, immediately notifying management of new trends.
• Discusses aspects of loan decisions with applicant, lead source provider or dealership - providing clear and knowledgeable communication.
• Supports training of credit staff and identifies opportunities for both system and process enhancements.
• Meet/exceed performance requirements as evidenced by QC reporting, application count and time to decision.

Benefits

• Medical, Dental, Vision, and Life Insurance
• Paid Sick Leave, 3 weeks’ Vacation, and Holidays (about 11 a year)
• HSA or FSA account and other voluntary benefits
• 401(k) Retirement Saving Plan with Employer Match Program and 529 Savings Plan
• Employee Mortgage Loan Program and free access to an Axos Bank Account with Self-Directed Trading

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed