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Dealer Services Ops - UW - Consumer Credit Analyst I (Remote in CA only)
<div><span style="font-size: medium; font-family: arial, helvetica, sans-serif;"><strong>JOB TITLE:</strong> Consumer Credit Analyst I<br><strong>DEPARTMENT:</strong> Consumer Lending</span></div> <div><span style="font-size: medium; font-family: arial, helvetica, sans-serif;"><strong>STATUS:</strong> Non-Exempt </span></div> <div><span style="font-size: medium; font-family: arial, helvetica, sans-serif;"><strong>JOB CODE:</strong> 1718</span></div> <div><span style="font-size: medium; font-family: arial, helvetica, sans-serif;"><strong>PAY RANGE:</strong> $25.40 - $31.00 Hourly<br> <br><br></span></div> <div> <p style="margin-top: 0px; margin-bottom: 0px;"><span style="font-family: arial, helvetica, sans-serif;"><strong><u><span style="font-size: medium;">GENERAL DESCRIPTION: </span></u></strong></span></p> <p style="margin-top: 0px; margin-bottom: 0px;"><span style="font-size: medium; font-family: arial, helvetica, sans-serif;">Consumer Credit Analyst I is responsible for performing risk analysis for secured and unsecured consumer loans. Consumer Credit Analyst reviews, analyzes and evaluates consumer loan applications and based on their judgment approve, modify or deny consistent with credit union policy and guidelines. Consumer Credit Analyst I must clearly document and communicate the reasoning for the decision. Maintain and strengthen relationships with members, and internal and external originators. Maintain a thorough understanding of the credit union’s underwriting standards, risk philosophy, and credit culture. <br> </span></p> <p style="margin-top: 0px; margin-bottom: 0px;"><span style="font-family: arial, helvetica, sans-serif;"><strong><u><span style="font-size: medium;">TASKS, DUTIES, FUNCTIONS: </span></u></strong></span></p> <ol> <li style="font-family: arial, helvetica, sans-serif;"><span style="font-size: medium; font-family: arial, helvetica, sans-serif;">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:</span></li> <ul> <li style="font-family: arial, helvetica, sans-serif;"><span style="font-size: medium; font-family: arial, helvetica, sans-serif;">Review and ensure the transaction is accurate, complete and compliant.</span></li> <li style="font-family: arial, helvetica, sans-serif;"><span style="font-size: medium; font-family: arial, helvetica, sans-serif;">Analyze credit history to determine propensity for repayment.</span></li> <li style="font-family: arial, helvetica, sans-serif;"><span style="font-size: medium; font-family: arial, helvetica, sans-serif;">Analyze income and financial statements to determine ability to repay.</span></li> <li style="font-family: arial, helvetica, sans-serif;"><span style="font-size: medium; font-family: arial, helvetica, sans-serif;">Evaluate required documentation for accuracy and truthfulness.</span></li> <li style="font-family: arial, helvetica, sans-serif;"><span style="font-size: medium; font-family: arial, helvetica, sans-serif;">Apply fraud detection and prevention techniques.</span></li> </ul> <li style="font-family: arial, helvetica, sans-serif;"><span style="font-size: medium; font-family: arial, helvetica, sans-serif;">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.</span></li> <li style="font-family: arial, helvetica, sans-serif;"><span style="font-size: medium; font-family: arial, helvetica, sans-serif;">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.</span></li> <li style="font-family: arial, helvetica, sans-serif;"><span style="font-size: medium; font-family: arial, helvetica, sans-serif;">Responsible for receiving and initiating phone inquiries and must communicate and interact with originator and external business partners to provide information or reasoning regarding loan decisions.</span></li> <li style="font-family: arial, helvetica, sans-serif;"><span style="font-size: medium; font-family: arial, helvetica, sans-serif;">Address, resolve or escalate minor complaints or issues raised by members, internal staff and business partners.</span></li> <li style="font-family: arial, helvetica, sans-serif;"><span style="font-size: medium; font-family: arial, helvetica, sans-serif;">Gather information to assist in preparing management reports.</span></li> <li style="font-family: arial, helvetica, sans-serif;"><span style="font-size: medium; font-family: arial, helvetica, sans-serif;">Assist with training originators regarding lending policies, process or procedures, administering lending promotional campaigns.</span></li> <li style="font-family: arial, helvetica, sans-serif;"><span style="font-size: medium; font-family: arial, helvetica, sans-serif;">Perform with other Lending duties as assigned.</span></li> </ol> <p style="margin-top: 0px; margin-bottom: 0px;"><span style="font-family: arial, helvetica, sans-serif;"><strong><u><span style="font-size: medium;">PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASKS: </span></u></strong></span></p> <ol> <li style="font-family: arial, helvetica, sans-serif;"><span style="font-size: medium; font-family: arial, helvetica, sans-serif;">Effective oral and written communication skills required to interact with staff, and members to perform constructive follow up on member loan requests, inquiries, and concerns.</span></li> <li style="font-family: arial, helvetica, sans-serif;"><span style="font-size: medium; font-family: arial, helvetica, sans-serif;">Must possess sufficient manual dexterity to skillfully operate an on-line computer terminal and other standard office equipment, such as financial calculators, personal computer, facsimile machine and telephone.</span></li> <li style="font-family: arial, helvetica, sans-serif;"><span style="font-size: medium; font-family: arial, helvetica, sans-serif;">Ability to work required hours which may include weekend shifts and work hours after 6:00 p.m.</span></li> </ol> <p style="margin-top: 0px; margin-bottom: 0px;"><span style="font-family: arial, helvetica, sans-serif;"><strong><u><span style="font-size: medium;">ORGANIZATIONAL CONTACTS & RELATIONSHIPS: </span></u></strong></span></p> <ol> <li style="font-family: arial, helvetica, sans-serif;"><span style="font-size: medium; font-family: arial, helvetica, sans-serif;"><strong>INTERNAL:</strong> Management group and all levels of staff.</span></li> <li style="font-family: arial, helvetica, sans-serif;"><span style="font-size: medium; font-family: arial, helvetica, sans-serif;"><strong>EXTERNAL: </strong>Members and auto dealership personnel.</span></li> </ol> <p style="margin-top: 0px; margin-bottom: 0px;"><span style="font-family: arial, helvetica, sans-serif;"><strong><u><span style="font-size: medium;">QUALIFICATIONS: </span></u></strong></span></p> <ol> <li style="font-family: arial, helvetica, sans-serif;"><span style="font-size: medium; font-family: arial, helvetica, sans-serif;"><strong>EDUCATION: </strong>Successful completion of High School curriculum is required. Associates degree is preferred.</span></li> <li style="font-family: arial, helvetica, sans-serif;"><span style="font-size: medium; font-family: arial, helvetica, sans-serif;"><strong>EXPERIENCE:</strong> Minimum 6 months in consumer lending, in a judgmental lending environment where LOS is used as a guide to make decisions.</span></li> <li style="font-family: arial, helvetica, sans-serif;"><span style="font-family: arial, helvetica, sans-serif;"><strong><span style="font-size: medium;">KNOWLEDGE/SKILLS:</span></strong></span></li> <ul> <li style="font-family: arial, helvetica, sans-serif;"><span style="font-size: medium; font-family: arial, helvetica, sans-serif;">Strong analytical, organizational skills and attention to detail. Ability to calculate figures and amounts.</span></li> <li style="font-family: arial, helvetica, sans-serif;"><span style="font-size: medium; font-family: arial, helvetica, sans-serif;">Maintain knowledge of key trends in the financial services industry that impact loan quality and underwriting.</span></li> <li style="font-family: arial, helvetica, sans-serif;"><span style="font-size: medium; font-family: arial, helvetica, sans-serif;">Ability to use logical reasoning when interpreting facts and make objective observations, examinations, evaluations and recommendations.</span></li> <li style="font-family: arial, helvetica, sans-serif;"><span style="font-size: medium; font-family: arial, helvetica, sans-serif;">Solid interpersonal, oral and written communication skills.</span></li> <li style="font-family: arial, helvetica, sans-serif;"><span style="font-size: medium; font-family: arial, helvetica, sans-serif;">Knowledge of credit analysis and reporting.</span></li> <li style="font-family: arial, helvetica, sans-serif;"><span style="font-size: medium; font-family: arial, helvetica, sans-serif;">Good understanding of both branch and indirect credit union lending policies.</span></li> <li style="font-family: arial, helvetica, sans-serif;"><span style="font-size: medium; font-family: arial, helvetica, sans-serif;">Ability to sell and promote product lines, and lending decisions.</span></li> <li style="font-family: arial, helvetica, sans-serif;"><span style="font-size: medium; font-family: arial, helvetica, sans-serif;">Understand the use of the automated loan origination system. Operate on standard Microsoft programs and other computer operations.</span></li> <li style="font-family: arial, helvetica, sans-serif;"><span style="font-size: medium; font-family: arial, helvetica, sans-serif;">Stay up to date on changes within the department, organization, industry and current market conditions.</span></li> <li style="font-family: arial, helvetica, sans-serif;"><span style="font-size: medium; font-family: arial, helvetica, sans-serif;">Must work well in a fast-paced production oriented department.</span></li> </ul> </ol> <p style="margin-top: 0px; margin-bottom: 0px;"><span style="font-family: arial, helvetica, sans-serif;"><strong><u><span style="font-size: medium;">PHYSICAL REQUIREMENTS: </span></u></strong></span></p> <ol> <li style="font-family: arial, helvetica, sans-serif;"><span style="font-size: medium; font-family: arial, helvetica, sans-serif;">Prolonged sitting throughout the workday with occasional mobility required.</span></li> <li style="font-family: arial, helvetica, sans-serif;"><span style="font-size: medium; font-family: arial, helvetica, sans-serif;">Corrected vision within the normal range.</span></li> <li style="font-family: arial, helvetica, sans-serif;"><span style="font-size: medium; font-family: arial, helvetica, sans-serif;">Hearing within normal range. A device to enhance hearing will be provided if needed.</span></li> <li style="font-family: arial, helvetica, sans-serif;"><span style="font-size: medium; font-family: arial, helvetica, sans-serif;">Occasional movements throughout the department daily to interact with staff, accomplish tasks, etc.</span></li> <li style="font-family: arial, helvetica, sans-serif;"><span style="font-size: medium; font-family: arial, helvetica, sans-serif;">Must be flexible with scheduling, including evenings, weekends, and holidays.</span></li> </ol> <p style="margin-top: 0px; margin-bottom: 0px;"><span style="font-size: medium; font-family: arial, helvetica, sans-serif;"><strong><u>LICENSES/CERTIFICATIONS:</u></strong> <br>None</span></p> <p style="margin-top: 0px; margin-bottom: 0px;"> </p> <p style="box-sizing: border-box; margin: 0in 0in 8pt; color: #1c1c1e; white-space: normal; background-color: #ffffff; line-height: 15.6933px; font-size: 11pt; font-family: Calibri, sans-serif;"><span style="box-sizing: border-box; font-family: arial, helvetica, sans-serif; font-size: 12pt;"><em style="box-sizing: border-box;"><span style="box-sizing: border-box; line-height: 18.4px;">Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.</span></em></span></p> <p style="box-sizing: border-box; margin: 0in 0in 8pt; color: #1c1c1e; white-space: normal; background-color: #ffffff; line-height: 15.6933px; font-size: 11pt; font-family: Calibri, sans-serif;"><span style="box-sizing: border-box; font-family: arial, helvetica, sans-serif; font-size: 12pt;"><em style="box-sizing: border-box;"><span style="box-sizing: border-box; line-height: 18.4px;">#LI-Remote</span></em></span></p> <p style="box-sizing: border-box; margin: 0in; color: #1c1c1e; font-size: 12pt; white-space: normal; background-color: #ffffff; font-family: Aptos, sans-serif;"><span style="box-sizing: border-box; font-family: arial, helvetica, sans-serif; font-size: 10pt;"><strong style="box-sizing: border-box; font-weight: bolder;"><span style="box-sizing: border-box; color: black;">THIS JOB DESCRIPTION PROVIDES AN OVERVIEW OF THE GENERAL SCOPE AND LEVEL OF WORK EXPECTED TO BE PERFORMED, BUT IT IS NOT AN EXHAUSTIVE LIST OF ALL DUTIES OR RESPONSIBILITIES ASSOCIATED WITH THE POSITION. THE CREDIT UNION RESERVES THE RIGHT TO MODIFY, ADD, OR REMOVE DUTIES AS NEEDED WITHOUT ADVANCE NOTICE. EMPLOYEES MAY BE REQUIRED TO PERFORM ADDITIONAL TASKS AND DUTIES AS DIRECTED BY THEIR SUPERVISOR, PROVIDED SUCH TASKS ARE WITHIN THE EMPLOYEE’S KNOWLEDGE, SKILLS, AND ABILITIES, OR CAN BE PERFORMED WITH REASONABLE TRAINING. NOTHING IN THIS JOB DESCRIPTION ALTERS THE AT-WILL EMPLOYMENT RELATIONSHIP OR LIMITS THE CREDIT UNION’S RIGHT TO ASSIGN OR REASSIGN DUTIES AND RESPONSIBILITIES TO THIS POSITION AT ANY TIME.</span></strong></span></p> <p style="box-sizing: border-box; margin: 0in; color: #1c1c1e; font-size: 12pt; white-space: normal; background-color: #ffffff; font-family: Aptos, sans-serif; text-align: right;"><span style="box-sizing: border-box; font-size: 12pt; font-family: arial, helvetica, sans-serif;"><strong style="box-sizing: border-box; font-weight: bolder;"><span style="box-sizing: border-box; color: black;">REV. 1/9/2026</span></strong></span></p> </div>