Consumer Credit Analyst – Level III

🕒 July 27

🏄 California – Remote

🏄 California – Remote

💵 $37 - $40 / hour

⏰ Full Time

🟠 Senior

🔴 Lead

🧐 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

• Responsible for performing risk analysis for complex secured and unsecured consumer loans. • Review, analyze, and evaluate consumer loan applications. • Approve, modify or deny applications consistent with credit union guidelines. • Document and communicate the reasoning for loan decisions. • Maintain and strengthen relationships with members, internal and external originators. • Mentor less senior analysts and assist in complex credit decisions. • Maintain understanding of underwriting standards, risk philosophy, credit culture and market conditions. • Ensure transaction is accurate, complete and compliant. • Analyze credit history and financial statements to determine repayment ability. • Apply fraud detection and prevention techniques. • Address and resolve all complaints or issues raised by members, internal staff and business partners. • Gather information, perform analysis, and prepare reports as directed by management. • Assist with training originators regarding lending policies, process or procedures.

🎯 Requirements

• Successful completion of High School curriculum is required. • Associates degree is preferred. • Minimum 7 year in consumer lending. • 4 years of experience reviewing, analyzing, evaluating loan applications. • Strong analytical, organizational skills and attention to detail. • Ability to calculate figures and amounts. • Ability to use logical reasoning when interpreting facts. • Remain knowledgeable on key trends in the financial services industry. • Solid interpersonal, oral and written communication skills. • Extensive knowledge of consumer loan underwriting, credit analysis and reporting. • Comprehensive understanding of both branch and indirect credit union lending policies. • Intricate understanding of regional lending market conditions and collateral values. • Understand the use of the automated loan origination system.