Consumer Credit Analyst II

🕒 Agosto 19

🏄 California – Remoto

🏄 California – Remote

💵 $30 - $33 / hora

⏰ Tempo Integral

🟡 Pleno

🟠 Sênior

🧐 Analista

👻 Score fantasma 0%

O que significa: quão provável esta vaga está aberta sem contratação ativa.Como ler: 60% ou mais significa que achamos que é uma vaga fantasma. Pontuações mais baixas preocupam menos.Como pontuamos: tempo em aberto, republicações, vagas abertas vs tamanho do time, rapidez para fechar vagas, e se o salário está divulgado.Observação: é uma estimativa de dados públicos, não um julgamento da empresa. Vagas reais podem ter pontuação alta, então use como uma dica, não como um fato.

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Golden 1 Credit Union

SiteLinkedInTodas as Vagas

1001 - 5000 funcionários

Fundada em 1933

🏦 Bancário

💸 Finanças

Banking • Finance

A Golden 1 Credit Union é uma cooperativa de crédito pertencente aos membros e está sediada em Sacramento, Califórnia. Oferece serviços bancários de varejo e empresariais, além de uma ampla gama de serviços financeiros ao consumidor, incluindo múltiplas opções de contas correntes e poupança, certificados de prazo e IRAs, produtos de hipoteca e home equity, empréstimos pessoais e para automóveis, cartões de crédito, serviços de investimento e gestão de patrimônio, e opções de seguros e proteção. A cooperativa de crédito enfatiza ferramentas de banco online e móvel, programas de recompensas para membros e cashback, educação financeira, subsídios e bolsas de estudo para a comunidade, e parcerias (por exemplo, com o Golden 1 Center/Sacramento Kings).

Descrição

• Review, analyze, and evaluate simple to complex secured and unsecured consumer loan applications • Approve, modify, counter, or deny consumer loan applications according to credit union policies and lending authority • Ensure transactions are accurate, complete, and compliant • Review required documentation for accuracy and truthfulness • Apply fraud detection and prevention techniques • Perform paystub and basic tax return analysis to determine ability to repay • Maintain knowledge of state and federal credit union compliance laws, including bank secrecy, anti-money laundering, Fair Lending, and Truth in Lending laws • Review credit reports and analyze lending ratios, capacity, credit utilization, and loan-to-value • Receive and initiate phone inquiries and communicate loan decisions to originators and external business partners • Address and resolve complaints or issues from members, internal staff, and business partners • Gather information and perform analysis for reports • Assist with training originators on lending policies, processes, and procedures • Administer lending promotional campaigns • Recommend and assist with updating consumer lending products, policies, procedures, and materials • Train personnel on lending policies and procedures • Perform upgrade validations for lending systems • Perform other lending duties as assigned • Maintain and strengthen relationships with members, internal and external originators

🎯 Requisitos

• Successful completion of High School curriculum is required • 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 • Strong analytical and organizational skills and attention to detail • Ability to calculate figures and amounts • Ability to use logical reasoning to interpret facts and make objective observations, examinations, evaluations, and recommendations • Knowledge of key trends in the financial services industry impacting loan quality and underwriting • Solid interpersonal, oral, and written communication skills • Knowledge of credit analysis and reporting • High degree of integrity and judgment to make appropriate and fair lending decisions • Comprehensive understanding of branch and indirect credit union lending policies • Ability to sell and promote product lines and support lending decisions • Understanding of automated loan origination systems • Proficiency with standard Microsoft programs and other computer operations • Understanding of assigned territory lending market conditions and collateral values • Ability to work in a fast-paced, flexible, production-oriented department • Analytical skills for reviewing and understanding complex paystub and tax return documents • Ability to work required hours, including possible weekend shifts and hours after 6:00 p.m. • Flexibility with scheduling, including evenings, weekends, and holidays • Some travel may be required

🏖️ Benefícios

• Remote work in California • Hearing enhancement device provided if needed