Consumer Credit Analyst I

About the Role

Golden 1 Credit Union is seeking a Consumer Credit Analyst I to join the Consumer Direct Lending Ops team. This role is hybrid in Sacramento, CA.

Key Responsibilities

• Review, analyze, and evaluate loan applications based on established credit union policies.
• Apply knowledge of underwriting procedures and risk mitigation techniques to approve, counter, or deny consumer loan applications.
• Ensure transactions are accurate, complete, and compliant.
• 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 and prevention techniques.
• Utilize credit reports to calculate key lending ratios (capacity, credit utilization, Loan to Value).
• Ensure application requests align with credit union guidelines.
• Identify mitigating factors and render judgmental decisions within designated loan authority.
• Maintain 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.
• Receive and initiate phone inquiries, communicating and interacting with originators and external business partners regarding loan decisions.
• Address, resolve, or escalate minor complaints or issues raised by members, internal staff, and business partners.
• Gather information to assist in preparing management reports.
• Assist with training originators on lending policies, processes, or procedures and administering lending promotional campaigns.
• Perform other lending duties as assigned.

Requirements & Tech Stack

• LOS (used as a guide to make decisions)

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 required.