Hybrid Consumer Credit Analyst I – Lending Risk & Review

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

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.