Consumer Credit Analyst I

J  o  b    D  e  s  c  r  i  p  t  i  o  n

THE DETAILS

Job Code:

1718

Grade:

17H

Status:

Non-exempt

POSITION AND PURPOSE

Consumer Credit Analyst I is responsible for performing risk analysis for secured and unsecured consumer loans. Consumer Credit Analyst reviews, analyzes and evaluates consumer loan applications and based on their judgment approve, modify or deny consistent with credit union policy and guidelines. Consumer Credit Analyst I 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, and credit culture.

WHO WE ARE

Golden 1 Credit Union is among the top credit unions in the country. As a member-owned, not-for-profit cooperative, Golden 1 is guided by the credit union philosophy of “people helping people.” We are committed to empowering our members and uplifting our communities as we create a more equitable and financially inclusive California. We welcome all who embrace our Core Values.

WHO YOU ARE

You are someone others rely on when thoughtful analysis and follow through are needed. You combine sound credit judgment, risk awareness, and relationship-building skills to make lending decisions that support members while protecting the organization’s financial strength.

THE WORK

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Review, analyze, and evaluate loan applications based on established credit union policies and apply knowledge of underwriting procedures and risk mitigation techniques to approve, counter, or deny consumer loan applications by:

• Review and ensure the transaction is accurate, complete and compliant.
• Analyze credit history to determine propensity for repayment.
• Analyze income and financial statements to determine ability to repay.
• Evaluate required documentation for accuracy and truthfulness.
• Apply fraud detection and prevention techniques.

•

Utilize the credit reports to calculate key lending ratios to determine capacity, credit utilization, and Loan to Value. Ensure application request are in line with credit union guidelines, identify mitigating factors and render judgmental decisions within their designated loan authority.

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Maintain 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.

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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 decisions.

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Address, resolve or escalate minor complaints or issues raised by members, internal staff and business partners.

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Gather information to assist in preparing management reports.

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Assist with training originators regarding lending policies, process or procedures, administering lending promotional campaigns.

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Perform with other Lending duties as assigned.

QUALIFICATIONS

•

H.S. Diploma or General Education Degree (GED) required

•

Associate’s Degree preferred

•

Minimum 6 months in consumer lending, in a judgmental lending environment where LOS is used as a guide to make decisions required

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Strong analytical, organizational skills and attention to detail. Ability to calculate figures and amounts.

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Maintain knowledge of key trends in the financial services industry that impact loan quality and underwriting.

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Ability to use logical reasoning when interpreting facts and make objective observations, examinations, evaluations and recommendations.

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Solid interpersonal, oral and written communication skills.

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Knowledge of credit analysis and reporting.

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Good understanding of both branch and indirect credit union lending policies.

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Ability to sell and promote product lines, and lending decisions.

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Understand the use of the automated loan origination system. Operate on standard Microsoft programs and other computer operations.

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Stay up to date on changes within the department, organization, industry, and current market conditions.

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Must work well in a fast-paced production oriented department.

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None required

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Takes Initiative - Owns tasks and responsibilities 

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Delivers Results with Agility - Meets deadlines and adapts

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Collaborates Across Teams - Works well within the team Solves Problems Proactively

•

Handles day-to-day challenges Builds Trust and Credibility - Demonstrates reliability 

ORGANIZATIONAL CONTACTS AND RELATIONSHIPS

INTERNAL:

Management group and all levels of staff.

EXTERNAL:

Members and auto dealership personnel.

WORKING CONDITIONS

Work time includes weekend and after-hours time, based on organizational needs. This position works in-office where working conditions, lighting, temperature, audio, and workspace are all sufficient.

PHYSICAL REQUIREMENTS

Work requires the ability to constantly operate a computer and the ability to read, type, and communicate. Work may require the ability to move work-related supplies weighing up to 10-15 pounds.

DISCLAIMER/INTENT AND FUNCTION OF JOB DESCRIPTIONS

The above information on this description has been designed to indicate the general nature and level of work performed by team members within this classification. Because the nature of positions and job functions can change over time, this job description is not designed to contain or be interpreted as a comprehensive inventory of all essential functions, duties, responsibilities and qualifications requirements of team members assigned to this job. Job duties may be changed or modified in the Credit Union’s discretion. The Credit Union will keep team members updated on key functions, duties, and requirements of their position by communications from the Credit Union and by updating the job description from time to time. Any team member with questions about the nature of their job duties is encouraged to consult with their supervisor.

DECLARATION/ACKNOWLEDGEMENT

This job description outlines the essential functions and physical/mental requirements necessary to perform this role. Reasonable accommodations may be made to enable individuals with disabilities to perform these essential functions.