Golden 1 Credit Union · 1 month ago
Dealer Services Ops - UW - Consumer Credit Analyst II (Remote in CA only)
United States
Full-time
Remote
Mid Level
$30.76/hr - $33/hr
4+ years expGolden 1 Credit Union is seeking a Consumer Credit Analyst II who will be responsible for reviewing, analyzing, and evaluating consumer loan applications. The role involves making lending decisions based on credit union guidelines and maintaining relationships with members and business partners.
BankingFinanceFinancial Services
No H1B
Responsibilities
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:
Evaluating and ensuring that the transaction is accurate, complete and compliant
Reviewing required documentation for accuracy and truthfulness
Applying fraud detection and prevention techniques
Performing paystub and basic tax return analysis to determine ability to repay
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
Review credit reports and intemperate the data along with the analysis of key lending ratios to determine capacity, credit utilization, and Loan to Value
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
Effectively address and resolve all complaints or issues raised by members, internal staff and business partners
Gather information and perform analysis as requested to help prepare reports as directed
Assist with training originators regarding lending policies, process or procedures, and in administering lending promotional campaigns
Make recommendations and assist with updating product, policy and procedure materials pertaining to consumer lending
Train personnel on lending policies and procedures
Perform upgrade validations pertaining to lending systems
Assist with other Lending duties as assigned
Qualification
Required
Successful completion of High School curriculum is required
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
Strong analytical, organizational skills and attention to detail
Ability to calculate figures and amounts
Ability to use logical reasoning when interpreting facts and make objective observations, examinations, evaluations and recommendations
Remain knowledgeable on key trends in the financial services industry that impact loan quality and underwriting
Solid interpersonal, oral and written communication skills
Knowledge of credit analysis and reporting
Possess a high degree of integrity to use judgment to make appropriate and fair lending decisions on behalf of the credit union
Comprehensive understanding of both branch and indirect credit union lending policies
Ability to sell and promote product lines, and back up lending decisions in a way that enhance originator relationships
Understand the use of the automated loan origination system
Operate on standard Microsoft programs and other computer operations
Stay up to date on changes within the department, organization, industry and current market conditions
Strong understanding of assigned territory lending market conditions and collateral values
Must work well in a fast-paced and flexible production oriented department
Analytical skills to include reviewing and understanding complex paystub and tax return documents
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
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
Ability to work required hours which may include weekend shifts and work hours after 6:00 p.m
Preferred
Associates degree is preferred
Company
Golden 1 Credit Union
Golden 1 Credit Union is a financial cooperative that offers checking, savings, home loan, investment, insurance and online services.
1001-5000 employees
Funding
Current Stage
Late StageLeadership Team
Allyson Hill, CPA
Senior Vice President, Chief Financial Officer
Joseph Harrison, CPA (Oregon), CRCM, CIA, CAMS, CFE
Senior Vice President - Chief Compliance Officer
Recent News
2026-05-11
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