Job Description

Consumer Credit Analyst - North Phoenix, AZ

Summary This position has the authority to approve, and/or decline consumer loan requests which includes Home Equity loan products. This position will work in a call center environment in partnership with our branches. Consumer loan applications will be received from on-line sources, credit union branches, and direct calls from our members. This position will also be responsible for identifying cross selling opportunities in accordance to the credit union goals.

Essential Duties and Responsibilities include the following:

  • Requests applicant credit reports, background checks, reference checks, and other information pertinent to loan applicant's evaluation.

  • Analyzes applicant financial status, credit, and asset evaluation to determine feasibility of granting loan or submits application to credit analyst for verification and recommendation.

  • Resolves uncertainties relating to member application information through inquiries with applicant or creditors.

  • Approves loan within specified limits or refers loan to the Consumer Direct Loan Manager for approval.

  • Responsible for underwriting consumer direct loans including, vehicle loans, recreational loans, unsecured loans, share secured loans, visa credit cards and home equity products.

  • Compiles loan package and facilitates negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms.

  • Communicate underwriting decision in written form to the member/branch along with following up with the branch staff to answer any questions regarding the decision.

  • Assist as requested in training new Consumer Direct Loan Processors or others as assigned by manager.

  • Ensures loan agreements are complete and accurate according to establishment policy.

  • Advises loan manager of external factors that may affect established lending policies, such as new or revised legislation and regulations. Recommends and implements appropriate changes to established policies and procedures.

  • Have a thorough knowledge of all federal and state regulations governing consumer lending, including real estate lending regulations.

  • Promotes and cross-sells other established products and services as appropriate to member requirements.

  • Have a general knowledge of all credit union departments and how they interact with the Retail Lending team and more specifically the CDL team.

  • Provides loan data to support marketing and sales promotion programs.

  • Perform additional duties as they may be assigned.

Education and/or Experience

Minimum of two years as a consumer loan underwriter with a very strong working knowledge of the industry standards loan programs being offered.

2355 W. Pinnacle Peak Rd., Phoenix, AZ 85027 USA

Application Instructions

Please click on the link below to apply for this position. A new window will open and direct you to apply at our corporate careers page. We look forward to hearing from you!

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