Consumer Lending Analyst

Coosa Valley Credit Union; Rome (GA); On-site; USD 55,000 - 85,000; Full time

Benefits offered by this job

Medical Insurance

Vision Insurance

401K Matching

Life Insurance

Tuition Reimbursement

Paid Time Off

Health Time

Flexible Spending Account

Job summary

Coosa Valley Credit Union is seeking a Consumer Lending Analyst to support the full lifecycle of consumer loans, from origination to post-closing. You will ensure accuracy in loan booking, funding, and documentation, while coordinating with Lending, Compliance, Audit, and Learning & Development to keep processes compliant and efficient.

The role emphasizes training, process improvement, regulatory awareness, and providing back-office support for both consumer and commercial lending activities.

Qualifications

• Understanding of regulatory requirements in lending.
• Experience with loan documentation and compliance is a plus.
• Ability to coordinate with multiple departments to resolve issues.

Responsibilities

• Ensure timely and accurate booking of all loan transactions.
• Review approved consumer loans for completeness and accuracy.
• Coordinate and execute loan funding per approved terms.
• Perform post-closing reviews of consumer loan files.
• Assist with training and process improvements for lending staff.
• Monitor regulatory changes and compliance with lending laws.
• Provide back-office support including HMDA/GRMA and regulatory reporting.

Job description

Coosa Valley Credit Union is excited to announce an opening for a Consumer Lending Analyst! We are looking for individuals who are passionate about community involvement, networking, and are willing to go the extra mile for our members and employees. If you are eager to be a part of a dynamic team dedicated to making a positive impact in the lives of our members,

Role:

Demonstrate CVCU Culture and Values while supporting the full operational lifecycle of consumer secured and unsecured loans from origination to post-closing. This includes performing in-depth analysis and ensuring smooth coordination across all stages of the lending process. Review and implement appropriate process workflows and reporting that keep loans compliant, efficient, and within lending guidelines. Serve as a critical analyst liaison between lenders and Backoffice departments (i.e. Loan Operations, Compliance, Audit and Learning & Development) to identify, triage, resolve operational issues and develop training for the consumer lending program. Serve as loan analyst backup to Commercial/Real Estate loan processing. This role does not involve credit approval or underwriting. Expected to understand and comply with job related regulatory requirements including but not limited to Bank Secrecy Act, Anti-Money Laundering, USA Patriot Act, OFAC and Fair Lending Regulations.

Job Description:

Loan Booking & Funding

• Ensure timely and accurate booking of all loan transactions in the Credit Union’s loan system.
• Review approved consumer loans for completeness and accuracy prior to booking.
• Book loans to the core system in accordance with approved terms and conditions
• Coordinate and execute loan funding, ensuring all pre-funding requirements are met.
• Resolve booking or funding discrepancies in collaboration with lending, branches, and vendors.
• Perform detailed post-closing reviews of consumer loan files to confirm proper documentation.
• Ensure loan documents are executed correctly and retained in accordance with recordkeeping standards.
• Identify documentation discrepancies and coordinate corrective actions with relevant teams.
• Ensure that loan funds are disbursed accurately according to the approved loan agreement and disbursement instructions.
• Transfer funds to the appropriate borrower accounts, third-party vendors, or other designated recipients as specified in the disbursement schedule.

Loan Review & Documentation

• Conduct detailed reviews of loan agreements, amendments, and related documentation.
• Ensure compliance with credit approvals, internal policies, and regulatory requirements.
• Identify discrepancies, missing information, or errors in loan documentation and coordinate corrective actions.
• Assist in preparing loan review reports for management and auditors.
• Maintain up-to-date knowledge of changes in lending regulations and market practices.
• Prepare titles for lien perfection and ensure lien is perfected for both titled and non-titled collateral.
• Coordinate lien recording, title work, and collateral perfection for secured consumer loans.
• Monitor lien status and follow up on outstanding title or filing issues.
• Ensure liens are perfected timely and accurately to protect the institutions’ security interest.

Operational & Consumer Lending Support

• Mentor and support lending staff by providing subject-matter expertise in loan structures, funding processes, and answering consumer loan questions, including both commercial and consumer loan products.
• Serve as the primary liaison between Consumer Lending and Learning & Development, collaborating to design and deliver effective training programs for front-line lenders.
• Analyze and process consumer non-RE loan requests in accordance with company policies and regulatory guidelines.
• Verify borrower information, including financial statements, credit reports, collateral documentation, and legal entity structures.
• Process and review loan packages for compliance and completeness.
• Collaborate with loan officers, processors, and legal counsel to ensure complete and accurate documentation.
• Assist with preparation of critical loan documents (titles, UCC filings, and insurance).
• Monitor loan covenants, maturities, and borrower financial reporting requirements.
• Provide post-closing support, including document imaging, audit support, and ongoing loan servicing tasks.
• Serve as backup for Commercial/RE loan booking, funding, title perfecting, deed recording, and regulatory reporting (e.g., HMDA, GRMA, SBA).

Compliance, Training & Process Improvement

• Monitor regulatory changes and ensure compliance with applicable federal and state lending laws and internal policies.
• Support audits, internal reviews, and quality control processes related to consumer and commercial loan files.
• Recommend and support implementation of process improvements to enhance operational efficiency and the member experience.
• Act as a liaison between front-line staff and Learning & Development, helping to identify operational pain points and translating them into training opportunities.
• Assist in the design and delivery of training programs related to consumer & commercial lending operations, documentation, and title review.
• Develop training content, case studies, and tools to strengthen lender understanding of real estate fundamentals, risk analysis, and regulatory requirements.
• Mentor and support lending staff by providing subject-matter expertise and answering real estate-related questions.
• Document procedures and maintain up to date operational manuals.
• Develop and maintain appropriate records retention processing for consumer loans.
• Various duties as assigned, including attending organization functions and business development events.
• Medical Insurance
• Vision Insurance
• 401K w/ employer match
• Life Insurance (2x Salary) - Employer Paid
• Tuition Reimbursement
• Paid Time Off
• Health Time
• Flexible Spending Account (FSA)
• & much more!

What does it mean to work at Coosa Valley Credit Union?

At Coosa Valley, serving our members is not just a job; we have a much higher purpose.

At Coosa Valley Credit Union, "We Care" and "We Listen" are two core values that differentiate us from banks and other financial institutions. Here we still do business like neighbors helping neighbors, an old fashioned approach that combines modern technologies and the warm professional service members deserve. No matter the need or unusual circumstance, we still listen.

We use our Core Values as a guide and constant reminder that we can always improve our members’ lives. We don’t charge more so that we can increase a line on a graph and we don’t believe that revenue is most important. Our purpose is simple: to help people in our hometown live better financial lives.

“Helping People Live Better Financial Lives” is the purpose that unites all of us at CVCU. We want to create value – for our members, for our employees, and for the communities in which we operate. CVCU’s employees will always put their experience, pride and enthusiasm into making this happen.