Consumer Credit Analyst – Level III

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

📋 Description

• Accountable for conducting risk assessments for both secured and unsecured consumer loans of a complex nature.

• Examine, evaluate, and analyze consumer loan applications thoroughly.

• Approve, modify, or reject applications in accordance with credit union policies.

• Record and convey the rationale behind loan decisions clearly.

• Cultivate and enhance relationships with members, as well as internal and external originators.

• Guide junior analysts and provide support in intricate credit evaluations.

• Maintain a comprehensive understanding of underwriting standards, risk philosophy, credit culture, and prevailing market conditions.

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

• Assess credit histories and financial documents to ascertain repayment capacity.

• Implement fraud detection and prevention measures effectively.

• Address and resolve all grievances or issues raised by members, internal personnel, and business partners.

• Collect information, conduct analysis, and prepare reports as instructed by management.

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

⛳️ Requirements

• A successful completion of the High School curriculum is mandatory.

• An Associate's degree is preferred.

• A minimum of 7 years of experience in consumer lending is required.

• At least 4 years of experience in reviewing, analyzing, and evaluating loan applications.

• Strong analytical and organizational skills, along with a keen attention to detail.

• Proficiency in calculating figures and amounts accurately.

• Ability to apply logical reasoning when interpreting facts.

• Stay informed about key trends in the financial services sector.

• Excellent interpersonal, oral, and written communication skills.

• In-depth knowledge of consumer loan underwriting, credit analysis, and reporting procedures.

• Thorough understanding of both branch and indirect credit union lending policies.

• Detailed comprehension of regional lending market conditions and collateral values.

• Familiarity with the use of automated loan origination systems.

🏝️ Benefits

• Competitive salary and performance-based incentives.

• Comprehensive health and wellness benefits.

• Opportunities for professional development and continuous learning.

• Supportive and collaborative work environment.

• Flexible working hours and potential for remote work options.