Consumer Credit Analyst jobs in Miami, FL

Credit Analyst - Lending Department

Location:

1500 NW 107th Ave

Miami, FL 33172

Eligible for a Hybrid Schedule: Work from home two days a week.

Description: 

Underwrite and process Consumer and Indirect Auto Loan applications through thorough analysis of all qualifying criteria including; income, credit, assets and collateral, while adhering to regulatory guidelines and internal policies and procedures. 

Essential Duties and Responsibilities: 

• Review and analyze loan applications and supporting documentation for underwriting decision. 
• Work with internal team members to process loan application requests while providing feedback. 
• Review application and pipeline requests for accuracy while adhering to service timelines and standards. 
• Assist with promotional and sales initiatives for portfolio growth. 
• Assist member/applicant requests to fulfill analysis and compliance of all processes and documentation. 
• Work with team members and applicants for cross sell opportunities. 
• Communicate with external vendors and referral sources to process application requests. 
• Assist membership with resolutions to inquiries, loan exceptions or disputes. 
• Assist management with reporting and tracking of portfolio, as required. 
• Process and verify employment and all required documentation, as required. 
• Assist management with project implementation, as required. 

Qualifications: 

• Minimum of two year’s experience in credit union or financial institution lending environment. 
• Knowledge of Consumer and Indirect loan programs including; auto lending, credit cards, personal loans and recreation vehicles. 
• Experience and training in underwriting practices including income and credit analysis. 
• Ability to decipher and interpret financial statements, tax returns and credit documentation. 
• Must be able to work flexible schedule, extended hours and Saturdays as required. 
• Must demonstrate time management skills, highly detailed and organized. 
• Excellent oral and written communication skills required. 
• Must possess efficiencies in Excel, Word and lending system processes. 
• Working knowledge of regulatory guidelines pertaining to lending and Fair Credit practices. 

  All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status.