Hybrid Consumer Credit Analyst I - Direct Lending Ops

Golden 1 Credit Union; Sacramento (CA); Hybrid; USD 35.000 - 44.000; Vollzeit

Zusammenfassung

Golden 1 Credit Union is seeking a Consumer Credit Analyst I in a hybrid role in Sacramento, CA. This non-exempt position reports to the Supervisor - Direct Lending and is part of the Consumer Direct Lending Ops department.

The job involves underwriting consumer loans, analyzing credit reports, and ensuring compliance with applicable laws. Ideal candidates have a high school diploma or GED, with Associate’s degree preferred, and at least 6 months of consumer lending experience in a judgmental

Qualifikationen

• H.S. Diploma or 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.

Aufgaben

• 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.
• Utilize credit reports to calculate key lending ratios to determine capacity, credit utilization, and Loan to Value; ensure requests align with guidelines and render judgments within loan authority.
• Maintain understanding of state and federal laws and regulations related to credit union compliance including bank secrecy, AML, Fair Lending and Truth in Lending.

Ausbildung

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

Associate’s Degree

Jobbeschreibung

Golden 1 Credit Union is seeking a Consumer Credit Analyst I in a hybrid role in Sacramento, CA. This non-exempt position reports to the Supervisor - Direct Lending and is part of the Consumer Direct Lending Ops department.

The job involves underwriting consumer loans, analyzing credit reports, and ensuring compliance with applicable laws. Ideal candidates have a high school diploma or GED, with Associate’s degree preferred, and at least 6 months of consumer lending experience in a judgmental