Consumer Credit Analyst

Job Summary
The Consumer Credit Analyst is responsible for timely risk analysis and packaging of new consumer loan requests. The position will also provide portfolio review and analysis for assigned requests for the consumer portfolio.
Primary and Essential Functions

• Leads and supports Strengthening HOPE Initiative that values an organizational culture for open communication, innovation, associate engagement and other traits that contribute to collaboration and high performance.
• Work with consumer lending staff to assess risk of new credit requests and develop strategies to mitigate identified risk
• Package and present consumer loan requests
• Support branch staff in preparing all real estate documents including preliminary and closing documents
• Provide general administrative support for the AVP of Consumer Lending
• Adhere to departmental policies and procedures. Provide recommendations to manager on suggested updates

Secondary Functions

• Perform general administrative duties such as attending meetings, report production, etc.
• Assist with special projects as requested/assigned
• Assist loan operations department with review of new loan files and tracking of all documentation exceptions
• Assist loan operations with filing and maintenance of all loan files
• Assist as needed in securing follow-up information and addressing post-closing issues to ensure that all consumer loan documentation is received and filed appropriately

Competencies/Skills

• Strong computer skills, especially with financial spreadsheets and word processing
• Ability to read and interpret documents, write routine reports and correspondence
• Ability to speak effectively before groups of customers and employees of the organization
• Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals
• Ability to compute rate, ratio, percent, and interpret data
• Ability to apply commonsense understanding to carry out detailed written or oral instructions
• Ability to deal with problems involving a few concrete variables in standardized situations
• Ability to evaluate creditworthiness from multiple structured and unstructured variables

Desired Qualifications

• Bachelor’s Degree in relevant field; business and/or graduate degree preferred
• Some prior credit analysis and underwriting experience desired
• Demonstrated strength in credit analysis, financial analysis, and communication skills (written and verbal)

Experience
Preferred

• 2 year(s): Underwriting
• 2 year(s): Credit Analysis

Education
Preferred

• Bachelors or better

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)

Job Type: Full-time