Consumer Credit Analyst I
About The Position
Come join a company you can be proud to represent...and enjoy fantastic, comprehensive benefits. The hiring range for this opportunity is $25.50 to $34.00 hourly along with incentive opportunities, creating a competitive total compensation package based on our pay scale, and may be modified by location and is commensurate with qualifications and experience. POSITION SUMMARY The Consumer Credit Analyst I reviews and processes consumer loan requests based on credit, financial, and collateral information. In some cases the credit analyst will make recommended credit decisions to consumer underwriters, who will make the final approval decision. This position is also responsible for coaching the sales staff on ways to maximize current loan requests and provides exceptional customer service to branch managers and sales staff.
Requirements
- High school diploma or GED required.
- Established analytical ability to underwrite all types of consumer-based loan products.
- Excellent verbal and written communication skills.
- Excellent organizational skills with efficient work demeanor that allows involvement in multiple areas.
- Ability to analyze federal and state tax returns and financial statements in order to make sound credit decisions.
- Ability to utilize personal computers and Windows driven programs.
- Ability to complete a high volume of work with accuracy.
Responsibilities
- Analyzes consumer loan applications received to determine eligibility.
- Confers with branch personnel to discuss borrower options.
- Requests and reviews any additional information needed to complete loan process.
- Approves or declines consumer loan requests within assigned loan limits.
- Reviews and Analyzes incoming collateral reports (i.e. title reports, appraisal reports)
- Prepares HELOC files for loan documents
- Provides assistance and exceptional sales support to branch staff in answering questions relating to consumer-based loans.
- Assures customer loan request is processed accurately and timely.
- Coordinates appraisers, title companies and flood certifications for equity based products.
- Maintains a current understanding of underwriting guidelines, procedures, policies and compliance issues.
- Assists with initial application set up to ensure application are compliant and have met proper timing for required disclosures
- Provides coverage in any area needed in the absence of a team member
- Performs other work-related duties as assigned by supervisor or manager.
- Ensures compliance as it pertains to the origination and processing of consumer loans with all applicable regulatory requirements including but not limited to; SAFE Act, Equal Credit Opportunity Act (Reg B), Truth In Lending (Reg Z), Bank Secrecy Act (BSA), Fair Lending, OFAC compliance, Identity Theft Red Flags, privacy-GLBA and Non-public Personal Information (NPPI) regulations, Unfair Deceptive or Abusive Act or Practices (UDAAP).
- Maintains a current understanding of Bank policies and procedures in compliance with all federal and state laws, including but not limited to Bank Secrecy Act (SARs, CIP, OFAC), Information Security (GLBA), Identity Theft Red Flags, Financial Elder Abuse Reporting, and any other applicable regulations that may be specific to your job duties.
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
Education Level
High school or GED
