Consumer Credit Analyst II

This is a fully remote position, open to applicants in California.

📋 Description

• Evaluate, analyze, and review both simple and complex secured and unsecured consumer loan applications.

• Approve, modify, counter, or deny consumer loan applications in accordance with credit union policies and lending authority.

• Ensure that all transactions are accurate, complete, and compliant with regulations.

• Verify the accuracy and truthfulness of required documentation.

• Implement fraud detection and prevention measures.

• Conduct analysis of paystubs and basic tax returns to assess repayment capability.

• Stay informed about state and federal credit union compliance laws, including bank secrecy, anti-money laundering, Fair Lending, and Truth in Lending regulations.

• Analyze credit reports and evaluate lending ratios, capacity, credit utilization, and loan-to-value metrics.

• Handle and initiate phone inquiries, communicating loan decisions to originators and external business partners.

• Resolve complaints or issues raised by members, internal staff, and business partners.

• Collect information and conduct analysis for reporting purposes.

• Assist in training originators on lending policies, processes, and procedures.

• Manage lending promotional campaigns.

• Recommend and help update consumer lending products, policies, procedures, and materials.

• Train staff on lending policies and procedures.

• Conduct upgrade validations for lending systems.

• Perform additional lending duties as assigned.

• Cultivate and strengthen relationships with members and both internal and external originators.

⛳️ Requirements

• Completion of a High School curriculum is mandatory.

• 4-7 years of experience in consumer lending within a judgmental lending environment utilizing a Loan Origination System, or 5+ years in loan processing.

• Strong analytical skills, organizational abilities, and attention to detail.

• Capability to calculate figures and amounts accurately.

• Proficient in using logical reasoning to interpret facts and make objective observations, evaluations, and recommendations.

• Awareness of key trends in the financial services sector affecting loan quality and underwriting.

• Excellent interpersonal, verbal, and written communication skills.

• Knowledge of credit analysis and reporting practices.

• High level of integrity and judgment for making fair lending decisions.

• Comprehensive understanding of branch and indirect credit union lending policies.

• Ability to effectively sell and promote product lines while supporting lending decisions.

• Familiarity with automated loan origination systems.

• Proficient in standard Microsoft applications and various computer operations.

• Understanding of lending market conditions and collateral values in the assigned territory.

• Ability to thrive in a fast-paced, flexible, and production-oriented environment.

• Analytical skills to review and comprehend complex paystub and tax return documentation.

• Willingness to work required hours, which may include weekends and evenings past 6:00 p.m.

• Flexibility in scheduling, including evenings, weekends, and holidays.

• Occasional travel may be necessary.

🏝️ Benefits

• Remote work opportunity available in California.

• Hearing enhancement devices provided as needed.