Consumer Direct Lending Ops - Consumer Credit Analyst I

Golden-1-Credit-Union; Manlove (CA); Hybrid; USD 35,000 - 44,000; Full time

Job summary

Golden 1 Credit Union in Sacramento, CA is seeking a Consumer Credit Analyst I. This non-exempt role supports the Consumer Direct Lending Ops team by reviewing, analyzing, and underwriting loan applications in line with policy and risk controls.

You will assess credit history, income, and documentation to determine repayment ability, applying fraud-detection techniques and communicating decisions to originators and partners.

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.

Responsibilities

• Review, analyze, and evaluate loan applications based on established credit union policies and apply underwriting procedures and risk mitigation techniques to approve, counter, or deny consumer loan applications.
• 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 techniques.
• Utilize credit reports to calculate key lending ratios and determine capacity, credit utilization, and loan-to-value.
• Maintain understanding of state and federal laws related to credit union compliance including bank secrecy, AML, Fair Lending and Truth in Lending.
• Communicate and interact with originator and external partners to provide information or reasoning regarding loan decisions.
• Address, resolve or escalate minor complaints or issues raised by members or staff.
• Gather information to assist in preparing management reports.
• Assist with training originators regarding lending policies, processes, or procedures.
• Perform other lending duties as assigned.

Education

GED

Associate’s Degree

Job description

Job Title: Consumer Credit Analyst I

Status: Non-exempt

Reports to: Supervisor - Direct Lending

Department: Consumer Direct Lending Ops

Job Code: 1718

Pay Range: $25.40 - $32.00 Hourly

Location: Hybrid in Sacramento, CA

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.

WHAT YOU'LL DO:

• 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.
• 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.
• 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.
• Address, resolve or escalation minor complaints or issues raised by members, internal staff and business partners.
• Gather information to assist in preparing management reports.
• Assist with training originators regarding lending policies, process or procedures, administering lending promotional campaigns.
• Perform with other Lending duties as assigned.

QUALIFICIATIONS AND PREFERENCES:

• 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

WHY JOIN US:

Golden 1 Credit Union provides its employees a market-competitive and internally equitable total rewards compensation package through a variety of programs. These programs are designed to attract, motivate, and retain employees that drive and support the achievement of Our Mission, Vision, and Strategic Goals. The Credit Union is committed a total rewards philosophy built on; a comprehensive compensation package, well-being and work-life balance, career development and growth, rewards and recognition, and a commitment to Diversity, Equity and Inclusion. We believe in fostering a workplace where every employee is recognized, valued, and motivated to contribute their best.

Please view the full job description detailing the complete list of duties and expectations for this role by clicking or copying this URL into your browser: https://golden1.jdxpert.com/ShowJob.aspx?EntityID=2&id=2542

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.