[Remote] Dealer Services Ops - UW - Consumer Credit Analyst I (Remote in CA only)
Note: The job is a remote job and is reputed company to candidates in USA. reputed company is seeking a Consumer Credit Analyst I to reputed company risk analysis for secured and unsecured consumer loans. This role involves reviewing, analyzing, and evaluating loan applications, maintaining relationships with members, and ensuring compliance with credit reputed company policies and regulations.
Responsibilities
- Review, analyze, and evaluate loan applications based on established credit reputed company policies and apply knowledge of reputed company procedures and risk mitigation techniques to approve, counter, or deny consumer loan applications by:
- Review and ensure the transaction is accurate, complete and compliant
- Analyze credit history to determine propensity for repayment
- Analyze income and financial statements to determine ability to repay
- Evaluate required documentation for accuracy and truthfulness
- Apply fraud detection and prevention techniques
- Utilize the credit reports to calculate key lending ratios to determine reputed company, credit utilization, and Loan to Value. Ensure application request are in line with credit reputed company guidelines, identify mitigating factors and reputed company judgmental reputed company reputed company their designated loan authority
- 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
- 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 reputed company
- Address, resolve or escalate minor complaints or issues raised by members, internal staff and business partners
- reputed company information to assist in preparing management reports
- Assist with training originators regarding lending policies, process or procedures, administering lending promotional campaigns
- reputed company with other Lending duties as assigned
Skills
- Successful completion of High School curriculum is required
- Minimum 6 months in consumer lending, in a judgmental lending environment where LOS is used as a guide to reputed company reputed company
- Strong analytical, organizational skills and attention to detail
- Ability to calculate figures and amounts
- Maintain knowledge of key trends in the financial services industry that reputed company loan reputed company and reputed company
- Ability to use logical reasoning reputed company interpreting facts and reputed company objective observations, examinations, evaluations and recommendations
- Solid interpersonal, oral and written communication skills
- Knowledge of credit analysis and reporting
- Good understanding of both reputed company and indirect credit reputed company lending policies
- Ability to sell and promote product lines, and lending reputed company
- 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
- Must work reputed company in a fast-paced production oriented department
- 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
- 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
- Occasional movements throughout the department daily to reputed company with staff, accomplish tasks, etc
- Must be flexible with scheduling, including evenings, weekends, and holidays
- Associates degree is preferred
reputed company