Dealer Services Ops - UW - Consumer Credit Analyst II
Company: Golden 1 Credit Union
Location: Sacramento
Posted on: January 26, 2023
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Job Description:
JOB TITLE: Consumer Credit Analyst II DEPARTMENT: Dealer
Services Ops STATUS: Non-Exempt JOB CODE: 1812 PAY SCALE: $27.60 -
$33.42 Hourly GENERAL DESCRIPTION: Consumer Credit Analyst II - NLA
is responsible for reviewing, analyzing and evaluating simple to
complex secured and unsecured consumer loan applications and based
on their judgment approve, modify or deny consistent with credit
union guidelines. Consumer Credit Analyst II - NLA must clearly
document and communicate the reasoning for the decision. Maintain
and strengthen relationships with members, and internal and
external originators. Maintain a thorough understanding of the
credit union's underwriting standards, risk philosophy, credit
culture and market conditions. TASKS, DUTIES, FUNCTIONS: Review,
analyze, and evaluate loan applications based on established credit
union policies and apply knowledge of underwriting procedures loan
authority to approve counter or deny consumer loan applications by:
Evaluating and ensuring that the transaction is accurate, complete
and compliant. Reviewing required documentation for accuracy and
truthfulness. Applying fraud detection and prevention techniques.
Performing paystub and basic tax return analysis to determine
ability to repay. Maintain a thorough understanding of state and
federal laws and regulations related to credit union compliance-
including bank secrecy, anti-money laundering, Fair Lending and
Truth in lending laws appropriate to the position. Review credit
reports and intemperate the data along with the analysis of key
lending ratios to determine capacity, credit utilization, and Loan
to Value. Responsible for receiving and initiating phone inquiries
and must communicate and interact with originator and external
business partners to provide information or reasoning regarding
loan decision. Effectively address and resolve all complaints or
issues raised by members, internal staff and business partners.
Gather information and perform analysis as requested to help
prepare reports as directed. Assist with training originators
regarding lending policies, process or procedures, and in
administering lending promotional campaigns. Make recommendations
and assist with updating product, policy and procedure materials
pertaining to consumer lending. Train personnel on lending policies
and procedures. Perform upgrade validations pertaining to lending
systems. Assist with other Lending duties as assigned. PHYSICAL
SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF
THESE TASKS: Effective oral and written communication skills
required to interact with staff, and members to perform
constructive follow up on member loan requests, inquiries, and
concerns. Must possess sufficient manual dexterity to skillfully
operate an on-line computer terminal and other standard office
equipment, such as financial calculators, personal computer,
facsimile machine and telephone. Ability to work required hours
which may include weekend shifts and work hours after 6:00 p.m.
Some travel may be required. ORGANIZATIONAL CONTACTS &
RELATIONSHIPS: INTERNAL: Management group and all levels of staff.
EXTERNAL: Members and external originators. QUALIFICATIONS:
EDUCATION: Successful completion of High School curriculum is
required. Associates degree is preferred. EXPERIENCE: 4-7 years in
consumer lending, in a judgmental lending environment where LOS is
used as a guide to make decisions or 5 years in loan processing.
KNOWLEDGE/SKILLS: Strong analytical, organizational skills and
attention to detail. Ability to calculate figures and amounts.
Ability to use logical reasoning when interpreting facts and make
objective observations, examinations, evaluations and
recommendations. Remain knowledgeable on key trends in the
financial services industry that impact loan quality and
underwriting. Solid interpersonal, oral and written communication
skills. Knowledge of credit analysis and reporting. Possess a high
degree of integrity to use judgment to make appropriate and fair
lending decisions on behalf of the credit union. Comprehensive
understanding of both branch and indirect credit union lending
policies. Ability to sell and promote product lines, and back up
lending decisions in a way that enhance originator relationships.
Understand the use of the automated loan origination system.
Operate on standard Microsoft programs and other computer
operations. Stay up to date on changes within the department,
organization, industry and current market conditions. Strong
understanding of assigned territory lending market conditions and
collateral values. Must work well in a fast-paced and flexible
production oriented department. Analytical skills to include
reviewing and understanding complex paystub and tax return
documents. PHYSICAL REQUIREMENTS: Prolonged sitting throughout the
workday with occasional mobility required. Corrected vision within
the normal range. Hearing within normal range. A device to enhance
hearing will be provided if needed. Occasional movements throughout
the department daily to interact with staff, accomplish tasks, etc.
Must be flexible with scheduling, including evenings, weekends, and
holidays. LICENSES/CERTIFICATIONS: None REV. 12/28/2022
Keywords: Golden 1 Credit Union, Sacramento , Dealer Services Ops - UW - Consumer Credit Analyst II, Professions , Sacramento, California
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