Senior Consumer Credit Analyst – Lending & Underwriting

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

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.