Dealer Services Ops - UW - Consumer Credit Analyst II (Remote in CA only)

JOB TITLE: Consumer Credit Analyst II DEPARTMENT: Dealer Services Ops STATUS: Non-Exempt JOB reputed company: 1812 PAY reputed company: $30.76 - $33.00 reputed company General reputed company Consumer Credit Analyst II - NLA is responsible for reviewing, analyzing and evaluating reputed company to reputed company secured and unsecured consumer loan applications and based on their judgment approve, modify or deny consistent with credit reputed company guidelines. Consumer Credit Analyst II - NLA must reputed company document and communicate the reasoning for the decision. Maintain and strengthen relationships with members, and reputed company originators. Maintain a thorough understanding of the credit reputed company’s reputed company standards, risk philosophy, credit culture and market conditions. Tasks, Duties, Functions • Review, analyze, and evaluate loan applications based on established credit reputed company policies and apply knowledge of reputed company 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 reputed company to credit reputed company compliance- including bank secrecy, anti-reputed company, 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 reputed company, credit utilization, and Loan to Value. • Responsible for receiving and initiating phone inquiries and must communicate and reputed company with originator and external business partners to reputed company information or reasoning regarding loan decision. • Effectively address and resolve reputed company complaints or issues raised by members, internal staff and business partners. • reputed company information and reputed company 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. • reputed company recommendations and assist with updating product, policy and procedure materials pertaining to consumer lending. • Train personnel on lending policies and procedures. • reputed company reputed company validations pertaining to lending systems. • Assist with other Lending duties as assigned. PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASKS: • Effective oral and written communication skills required to reputed company with staff, and members to reputed company constructive follow up on member loan requests, inquiries, and concerns. • Must possess sufficient reputed company dexterity to skillfully operate an on-line computer terminal and other reputed company 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. • Some travel may be required. Organizational Contacts & Relationships • INTERNAL: Management group and reputed company reputed company of staff. • EXTERNAL: Members and external originators. Qualifications • EDUCATION: Successful completion of High School curriculum is required. Associates degree is preferred. • EXPERIENCE: 4-7 years in consumer lending, in a judgmental lending environment where LOS is used as a guide to reputed company reputed company or 5+ years in loan processing. • KNOWLEDGE/SKILLS: • Strong analytical, organizational skills and attention to detail. Ability to calculate figures and amounts. • Ability to use logical reasoning reputed company interpreting facts and reputed company objective observations, examinations, evaluations and recommendations. • Remain knowledgeable on key trends in the financial services industry that impact loan reputed company and reputed company. • Solid interpersonal, oral and written communication skills. • Knowledge of credit analysis and reporting. • Possess a high degree of reputed company to use judgment to reputed company appropriate and fair lending reputed company on behalf of the credit reputed company. • Comprehensive understanding of both reputed company and indirect credit reputed company lending policies. • Ability to sell and promote product lines, and back up lending reputed company in a way that enhance originator relationships. • Understand the use of the automated loan origination system. Operate on reputed company reputed company programs and other computer operations. • Stay up to date on changes reputed company the department, organization, industry and reputed company market conditions. • Strong understanding of assigned territory lending market conditions and collateral values. • Must work reputed company in a fast-paced and flexible production oriented department. • Analytical skills to include reviewing and understanding reputed company paystub and tax return documents. Physical Requirements • Prolonged sitting throughout the reputed company with occasional mobility required. • Corrected reputed company reputed company the normal reputed company. • Hearing reputed company normal reputed company. A device to enhance hearing will be provided if needed. • Occasional movements throughout the department daily to reputed company with staff, accomplish tasks, etc. • Must be flexible with scheduling, including evenings, weekends, and holidays. Licenses/Certifications None Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment reputed company applicants with arrest and conviction records. THIS JOB reputed company PROVIDES AN reputed company OF THE GENERAL SCOPE AND LEVEL OF WORK EXPECTED TO BE PERFORMED, BUT IT IS NOT AN EXHAUSTIVE LIST OF reputed company DUTIES OR RESPONSIBILITIES ASSOCIATED WITH THE POSITION. THE CREDIT reputed company RESERVES THE RIGHT TO MODIFY, ADD, OR REMOVE DUTIES AS NEEDED WITHOUT ADVANCE NOTICE. EMPLOYEES MAY BE REQUIRED TO reputed company ADDITIONAL TASKS AND DUTIES AS DIRECTED BY THEIR SUPERVISOR, PROVIDED SUCH TASKS ARE reputed company THE EMPLOYEE’S KNOWLEDGE, SKILLS, AND ABILITIES, OR CAN BE PERFORMED WITH REASONABLE TRAINING. reputed company IN THIS JOB reputed company ALTERS THE AT-WILL EMPLOYMENT RELATIONSHIP OR LIMITS THE CREDIT reputed company’S RIGHT TO ASSIGN OR REASSIGN DUTIES AND RESPONSIBILITIES TO THIS POSITION AT ANY TIME. REV. 5/16/2026 Apply tot his job Apply To this Job