Dealer Services Ops - UW - Consumer Credit Analyst III

Golden-1-Credit-Union; Manlove (CA); Hybrid; USD 51,000 - 55,000; Full time

Job summary

Golden 1 Credit Union is seeking a Consumer Credit Analyst III in a hybrid role based in Sacramento, CA. You will review and analyze consumer loan applications, applying underwriting procedures and risk mitigation techniques to approve, counter, or deny requests in line with policy.

Responsibilities include evaluating credit history, income, and documentation; applying fraud prevention measures; and mentoring staff while ensuring compliance with state and federal laws.

Qualifications

• H.S. Diploma or GED required.
• Associate’s Degree preferred.
• 7+ years minimum in consumer lending with judgmental lending experience.
• 4+ years experience reviewing, analyzing and rendering judgmental loan decisions.

Responsibilities

• Review, analyze, and evaluate loan applications based on credit union policies; approve, counter, or deny applications.
• Analyze credit history to assess repayment propensity.
• Review income and financial statements to determine ability to repay.
• Verify accuracy and truthfulness of required documentation; apply fraud detection techniques.
• Maintain knowledge of state and federal lending laws and compliance.

Education

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

Associate’s Degree

7+ years in consumer lending

4+ years reviewing, analyzing, evaluating loan applications

Job description

Job Title: Consumer Credit Analyst III

Status: Non-exempt

Reports to: Supervisor - Dealer Services Credit

Department: Dealer Services Ops

Job Code: 1730

Pay Range: $37.25 - $40.00 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 at your best when balancing competing priorities while maintaining high standards. You combine leadership, mentoring, and advanced analytical expertise to guide complex lending decisions, improve processes, and strengthen underwriting excellence across the organization.

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 a 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 escalated phone inquiries and must communicate and interact with originator and external business partners to provide information or reasoning regarding loan decision.
• Effectively 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, administering lending promotional campaigns.
• Make recommendations and assist with updating product, policy and procedure materials pertaining to consumer lending.
• Assist in the preparation of training and/or lending presentations.
• Train personnel on lending policies and procedures. Provide work direction, feedback and training to less experienced staff. Mentor others in credit decision making and department procedures and policies.
• Perform upgrade validations pertaining to lending systems. Understand the use of the automated loan origination system and recommend efficiency improvements.
• May act as a team lead and provide performance feedback to less senior consumer credit analysts.
• May act as backup in absence of Supervisor.
• Perform other Lending duties as assigned.

QUALIFICIATIONS AND PREFERENCES

• H.S. Diploma or General Education Degree (GED) required
• Associate’s Degree preferred
• 7+ years Minimum 7 year in consumer lending, in a judgmental lending environment where LOS is used as a guide to make decisions required
• 4+ years 4 years of experience reviewing, analyzing, evaluating loan applications and rending judgmental 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.

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.