Credit Analyst

Credit Union Of Texas • Allen, TX

8d

About The Position

The Credit Analyst plays a critical role in evaluating and making decisions on consumer loans, home equity lines of credit (HELOC), and lease applications received through multiple channels, including web, branch offices, and Fairlease consultants. Working in a fast‑paced environment, the Credit Analyst ensures accuracy and efficiency in reviewing applications, verifying income, and validating stipulations to support sound lending decisions. This position requires sharp analytical judgment, strong attention to detail, and a thorough knowledge of consumer lending programs. By delivering consistent, high‑quality decisions, the Credit Analyst helps maintain a well‑managed portfolio while providing exceptional member service. In addition, the analyst supports and guides CUTX staff to ensure applications are complete, accurate, and given full consideration within established guidelines.

Requirements

• Solid understanding of consumer lending products and credit risk principles.
• Familiarity with income verification methods (e.g., pay stubs, tax returns, W-2s).
• Strong attention to detail and organizational skills.
• Ability to interpret credit reports and financial documents.
• Effective written and verbal communication skills.
• Proficiency in loan origination systems and Microsoft Office tools.
• Problem solving competence with a strong attention to detail
• Must have the ability to multitask, prioritize, and adapt to a constantly changing environment
• Must be a TEAM player and be able to help and rely on others
• High School diploma or equivalency and at least three (3) years Credit Union experience, automotive industry, F&I and/or sales experience.
• Stable career with previous employers.
• Must be customer oriented, self-motivated team player with effective communication skills.
• Must be computer literate and able to type a minimum of 30 wpm.
• Must have a proven track-record of setting and meeting/exceeding personal and departmental goals.

Nice To Haves

• Work experience with or in car dealerships a plus.
• Bilingual candidates (Spanish/English) are beneficial.
• Experience in a consumer lending role, or other sales-related experience.

Responsibilities

• Review and evaluate applications for all consumer loan types, including auto loans, personal loans, HELOCs, credit cards, and lease financing.
• Apply sound judgment and established lending criteria to make timely credit decisions that balance risk management with member service.
• Conduct thorough reviews of applicant documentation when necessary to verify income, employment, and other required stipulations.
• Identify opportunities to structure loans in ways that meet member needs while remaining within CUTX guidelines.
• Work closely with AFSs, branch staff, HELOC, and Fairlease consultants to resolve application issues and provide guidance on lending requirements.
• Accurately record and maintain loan decisions, supporting documentation, and verification results within CUTX systems, to include ELA and Salesforce.
• Adhere strictly to regulatory requirements, internal policies, and lending guidelines to safeguard the integrity of the loan portfolio.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: High school or GED
• Number of Employees: 501-1,000 employees