Dealer Services Ops - UW - Consumer Credit Analyst II (Remote in CA only)

<p><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;"><strong><span style="line-height: 107%; color: black;">JOB TITLE: </span></strong><span style="line-height: 107%; color: black;">Consumer Credit Analyst II<br><strong>DEPARTMENT:</strong> Dealer Services Ops<br><strong>STATUS: </strong>Non-Exempt<br><strong>JOB CODE:</strong> 1812<br><strong>PAY SCALE: </strong>$30.76 - $33.00 </span></span><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;"><span style="line-height: 107%; color: black;">Hourly</span></span></p> <p><br><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;"><span style="white-space: normal;"><strong><u>GENERAL DESCRIPTION:</u></strong></span></span></p> <div><span style="white-space: normal; font-family: arial, helvetica, sans-serif; font-size: 12pt;">Consumer Credit Analyst II - NLA is responsible for reviewing, analyzing and evaluating simple to complex secured and unsecured consumer loan applications and based on their judgment approve, modify or deny consistent with credit union guidelines. Consumer Credit Analyst II - NLA 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, credit culture and market conditions.</span></div> <div><br><span style="white-space: normal; font-family: arial, helvetica, sans-serif; font-size: 12pt;"><strong><u>TASKS, DUTIES, FUNCTIONS:</u></strong></span></div> <div> <ol> <li><span style="white-space: normal; font-family: arial, helvetica, sans-serif; font-size: 12pt;">Review, analyze, and evaluate loan applications based on established credit union policies and apply knowledge of underwriting procedures loan authority to approve counter or deny consumer loan applications by:</span></li> <ul> <li><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Evaluating and ensuring that the transaction is accurate, complete and compliant.</span></li> <li><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Reviewing required documentation for accuracy and truthfulness.</span></li> <li><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Applying fraud detection and prevention techniques.</span></li> <li><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Performing paystub and basic tax return analysis to determine ability to repay.</span></li> </ul> <li><span style="font-size: 12pt; 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><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Review credit reports and intemperate the data along with the analysis of key lending ratios to determine capacity, credit utilization, and Loan to Value.</span></li> <li><span style="font-size: 12pt; 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 decision.</span></li> <li><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Effectively address and resolve all complaints or issues raised by members, internal staff and business partners.</span></li> <li><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Gather information and perform analysis as requested to help prepare reports as directed.</span></li> <li><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Assist with training originators regarding lending policies, process or procedures, and in administering lending promotional campaigns.</span></li> <li><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Make recommendations and assist with updating product, policy and procedure materials pertaining to consumer lending. </span></li> <li><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Train personnel on lending policies and procedures. </span></li> <li><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Perform upgrade validations pertaining to lending systems.</span></li> <li><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Assist with other Lending duties as assigned.</span></li> </ol> </div> <div><span style="white-space: normal; font-family: arial, helvetica, sans-serif; font-size: 12pt;"><strong><u>PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASKS:</u></strong></span></div> <div> <ol> <li><span style="white-space: normal; font-family: arial, helvetica, sans-serif; font-size: 12pt;">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><span style="font-size: 12pt; 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><span style="font-size: 12pt; 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> <li><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Some travel may be required.</span></li> </ol> </div> <div><span style="white-space: normal; font-family: arial, helvetica, sans-serif; font-size: 12pt;"><strong><u>ORGANIZATIONAL CONTACTS & RELATIONSHIPS:</u></strong></span></div> <div> <ol> <li><span style="white-space: normal; font-family: arial, helvetica, sans-serif; font-size: 12pt;"><strong>INTERNAL: </strong>Management group and all levels of staff.</span></li> <li><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;"><strong>EXTERNAL: </strong>Members and external originators.</span></li> </ol> </div> <div><span style="white-space: normal; font-family: arial, helvetica, sans-serif; font-size: 12pt;"><strong><u>QUALIFICATIONS:</u></strong></span></div> <div> <ol> <li><span style="white-space: normal; font-family: arial, helvetica, sans-serif; font-size: 12pt;"><strong>EDUCATION:</strong> Successful completion of High School curriculum is required. Associates degree is preferred.</span></li> <li><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;"><strong>EXPERIENCE:</strong> <span style="white-space: normal;">4-7 years in consumer lending, in a judgmental lending environment where LOS is used as a guide to make decisions or 5+ years in loan processing.</span></span></li> <li><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;"><strong>KNOWLEDGE/SKILLS:</strong></span></li> <ul> <li><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Strong analytical, organizational skills and attention to detail. Ability to calculate figures and amounts. </span></li> <li><span style="font-size: 12pt; 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><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Remain knowledgeable on key trends in the financial services industry that impact loan quality and underwriting.</span></li> <li><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Solid interpersonal, oral and written communication skills. </span></li> <li><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Knowledge of credit analysis and reporting.</span></li> <li><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Possess a high degree of integrity to use judgment to make appropriate and fair lending decisions on behalf of the credit union.</span></li> <li><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Comprehensive understanding of both branch and indirect credit union lending policies.</span></li> <li><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Ability to sell and promote product lines, and back up lending decisions in a way that enhance originator relationships.</span></li> <li><span style="font-size: 12pt; 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><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Stay up to date on changes within the department, organization, industry and current market conditions.</span></li> <li><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Strong understanding of assigned territory lending market conditions and collateral values.</span></li> <li><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Must work well in a fast-paced and flexible production oriented department.</span></li> <li><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Analytical skills to include reviewing and understanding complex paystub and tax return documents.</span></li> </ul> </ol> </div> <div><span style="white-space: normal; font-family: arial, helvetica, sans-serif; font-size: 12pt;"><span style="white-space: normal;"><strong>PHYSICAL REQUIREMENTS:</strong><br></span></span> <ol> <li><span style="white-space: normal; font-family: arial, helvetica, sans-serif; font-size: 12pt;">Prolonged sitting throughout the workday with occasional mobility required.</span></li> <li><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;">Corrected vision within the normal range.</span></li> <li><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;">Hearing within normal range. A device to enhance hearing will be provided if needed.</span></li> <li><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;">Occasional movements throughout the department daily to interact with staff, accomplish tasks, etc.</span></li> <li><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;">Must be flexible with scheduling, including evenings, weekends, and holidays.</span></li> </ol> </div> <div><span style="white-space: normal; font-family: arial, helvetica, sans-serif; font-size: 12pt;"><strong><u>LICENSES/CERTIFICATIONS:</u></strong><br>None</span></div> <div> </div> <div> <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> </div> <div style="text-align: right;"><span style="white-space: normal; font-family: arial, helvetica, sans-serif; font-size: 12pt;">REV. 5/16/2026</span></div> <div><span style="font-size: medium;"> </span></div>

Back to blog

Common Interview Questions And Answers

1. HOW DO YOU PLAN YOUR DAY?

This is what this question poses: When do you focus and start working seriously? What are the hours you work optimally? Are you a night owl? A morning bird? Remote teams can be made up of people working on different shifts and around the world, so you won't necessarily be stuck in the 9-5 schedule if it's not for you...

2. HOW DO YOU USE THE DIFFERENT COMMUNICATION TOOLS IN DIFFERENT SITUATIONS?

When you're working on a remote team, there's no way to chat in the hallway between meetings or catch up on the latest project during an office carpool. Therefore, virtual communication will be absolutely essential to get your work done...

3. WHAT IS "WORKING REMOTE" REALLY FOR YOU?

Many people want to work remotely because of the flexibility it allows. You can work anywhere and at any time of the day...

4. WHAT DO YOU NEED IN YOUR PHYSICAL WORKSPACE TO SUCCEED IN YOUR WORK?

With this question, companies are looking to see what equipment they may need to provide you with and to verify how aware you are of what remote working could mean for you physically and logistically...

5. HOW DO YOU PROCESS INFORMATION?

Several years ago, I was working in a team to plan a big event. My supervisor made us all work as a team before the big day. One of our activities has been to find out how each of us processes information...

6. HOW DO YOU MANAGE THE CALENDAR AND THE PROGRAM? WHICH APPLICATIONS / SYSTEM DO YOU USE?

Or you may receive even more specific questions, such as: What's on your calendar? Do you plan blocks of time to do certain types of work? Do you have an open calendar that everyone can see?...

7. HOW DO YOU ORGANIZE FILES, LINKS, AND TABS ON YOUR COMPUTER?

Just like your schedule, how you track files and other information is very important. After all, everything is digital!...

8. HOW TO PRIORITIZE WORK?

The day I watched Marie Forleo's film separating the important from the urgent, my life changed. Not all remote jobs start fast, but most of them are...

9. HOW DO YOU PREPARE FOR A MEETING AND PREPARE A MEETING? WHAT DO YOU SEE HAPPENING DURING THE MEETING?

Just as communication is essential when working remotely, so is organization. Because you won't have those opportunities in the elevator or a casual conversation in the lunchroom, you should take advantage of the little time you have in a video or phone conference...

10. HOW DO YOU USE TECHNOLOGY ON A DAILY BASIS, IN YOUR WORK AND FOR YOUR PLEASURE?

This is a great question because it shows your comfort level with technology, which is very important for a remote worker because you will be working with technology over time...