Consumer Credit Analyst II

🕒 August 19

🏄 California – Remote

🏄 California – Remote

💵 $30 - $33 / hour

⏰ Full Time

🟡 Mid-level

🟠 Senior

🧐 Analyst

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Golden 1 Credit Union

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 1933

🏦 Banking

💸 Finance

Banking • Finance

Golden 1 Credit Union is a member-owned credit union headquartered in Sacramento, California. It provides retail and business banking and a wide range of consumer financial services, including multiple checking and savings options, term certificates and IRAs, mortgages and home equity products, auto and personal loans, credit cards, investing and wealth services, and insurance and protection options. The credit union emphasizes online and mobile banking tools, member rewards and cashback programs, financial education, community grants and scholarships, and partnerships (for example with the Golden 1 Center/Sacramento Kings).

📋 Description

• 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

🎯 Requirements

• 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

🏖️ Benefits

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