24 days old

Sr. Consumer Credit Analyst

OneAZ Credit Union
Phoenix, AZ 85027
  • Job Code
    132538623

Our ideal candidate:

  • Has the authority to approve, and/or decline consumer loan requests which includes Home Equity loan
    products
  • Will work in a call center environment in partnership with our branches
  • Will receive consumer loan applications on-line sources, Credit Union branches, indirect channel, and direct calls from our members and dealerships

Why join the OneAZ team?

Our culture is one-of-a-kind! Youll be joining a team of friendly, hardworking, helpful associates with the same mission guiding all that we do: We exist to improve the lives of our members, our associates and the communities we serve.

We are proud to be an equal opportunity employer and value diversity. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

We offer robust benefits including low-cost medical, dental and vision plans, gym reimbursement, paid parental leave, generous personal days and vacation time, and an award-winning 401(k) program among many others.

Take a look at our career page for detailed benefit information: www.oneazcu.com/about/careers/

A typical day might include the following:

  • Works closely with management to ensure expected service levels to members and internal associates are met
  • Assists in the training of department personnel to ensure service levels, policy, and procedures are understood and implemented
  • Promotes partnership and teambuilding between Consumer Loan Fulfillment, branches, and other business areas, resolving issues and maintaining effective communications
  • 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 management 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 Consumer Loan Fulfillment management for approval
  • Responsible for underwriting consumer direct loans including, vehicle loans, recreational loans, indirect loans, unsecured loans, share secured loans, credit cards, and home equity products
  • Confirms accuracy of income, indebtedness, ratios, loan-to-value, and calculations necessary for final loan decision
  • Refers loan to management if the loan amount exceeds the authorized lending authority
  • Works closely with processing, closing, funding and quality assurance to ensure that the member benefits from the loan product
  • Compiles loan package and facilitates negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms
  • Communicates underwriting decision in written form to the member/branch, and follows up with branch staff on questions regarding the decision
  • Educates the branch and/or member of steps that can be taken to ensure credit quality and future approvals
  • Assist as requested in training new Consumer Loan Fulfillment team associates and branch lending associates, as assigned by leadership
  • Ensures loan agreements are complete, accurate, and in compliance with 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
  • Maintains thorough knowledge of all federal and state regulations governing consumer lending, including real estate lending regulations
  • Maintains knowledge of all Credit Union departments and their interaction with the Retail Lending team and the Consumer Loan Fulfillment team
  • Provides loan data to support marketing and sales promotion programs
  • As volume dictates, assumes responsibilities and duties throughout all areas of Consumer Loan Fulfillment, including
    and not limited to: taking inbound phone calls from branches, dealers and members; following up with members regarding loan decisions; setting loan closing appointments and equity loan processing
  • Performs other duties as assigned

Education and Experience we're looking for:

  • Associate Degree in relevant fields preferred
  • Minimum of five years in consumer loan underwriting with a strong working knowledge of the industry-standard loan programs being offered
  • Equivalent combination of education and experience

Additional Notes:

Candidates for this position will be required to sign an authorization for OneAZ to conduct a credit and criminal background check, pursuant to procedures in the Fair Credit Reporting Act and any other applicable laws.

All candidates will be considered for this position on an individualized basis, in compliance with all applicable equal employment opportunity laws.

Ensures compliance with applicable policies, laws, and regulations, including the Bank Secrecy Act (BSA), Anti-Money Laundering (AML) compliance, USA Patriot Act, and Office of Foreign Assets Control (OFAC).

Any individual who meets the definition of a mortgage loan originator and is employed by a federal agency-regulated institution will need to be registered on NMLS.





PI132538623

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Posted: 2021-03-23 Expires: 2021-04-23

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Sr. Consumer Credit Analyst

OneAZ Credit Union
Phoenix, AZ 85027

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