Consumer Credit Analyst jobs in California

Consumer Credit Analyst reviews loan applications and related documentation to determine loan eligibility and terms. Analyzes financial information provided and collects additional documentation as necessary. Being a Consumer Credit Analyst provides loan options, terms, or other product recommendations based on qualifications. Assists customers through the loan process by researching and answering customer inquiries, clarifying details, and coordinating with internal parties. Additionally, Consumer Credit Analyst typically requires a bachelor's degree. Typically reports to a supervisor or manager. The Consumer Credit Analyst work is closely managed. Works on projects/matters of limited complexity in a support role. To be a Consumer Credit Analyst typically requires 0-2 years of related experience. (Copyright 2024 Salary.com)

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Business Services Credit Analyst
  • MERIWEST CREDIT UNION
  • San Jose, CA FULL_TIME
  •  
     

    Business Services Credit Analyst

    Business Services Department

    Position Summary

    The Business Services Credit Analyst will assess the overall creditworthiness of moderate to complex business loans requests, including Commercial Real Estate (CRE), Commercial and Industrial (C&I), SBA loan programs, and other collateral secured loans. This position involves evaluating risk, making credit recommendations, and structuring loans based on comprehensive analyses of cash flows, collateral, borrowers, guarantors, and tenants. Supports Business Services Department in maintaining high quality loan portfolios by actively managing risk and identifying business opportunities through partnerships with Relationship Managers, Portfolio Managers, and other team members.

    Essential Duties and Responsibilities  

    • Assess credit worthiness of existing and potential commercial loans by evaluating global cash flow; project / property specific cash flow; collateral analysis; borrower and guarantor analysis; industry and market analysis; and other inputs that may have an impact on a credit request during its lifecycle. 
    • Evaluate the borrower’s ability to generate income sufficient to repay existing and proposed debt through current and forecasted data scenarios. Identify, investigate, and escalate credit concerns or questions. 
    • Ensure that loans conform to the Credit Union’s Loan Policy, established guidelines, and procedures, including those of government agencies (i.e., NCUA, SBA and CA Guaranty), as appropriate.
    • Prepare and present high quality Credit Memos summarizing loan request fundamentals, credit analysis and due diligence. Approve credit requests within delegated limits. 
    • Support loan Business Services team in maintaining a high-quality commercial loan portfolio by identifying business opportunities to mitigate risk in current loans and portfolio concentrations. 
    • Work with Business Loan Servicing and Operations to provide approval for risk rating upgrades and downgrades in the current credit portfolios.
    • Responsible for monitoring the status of assigned pipeline and ensuring that loans are reviewed and underwritten in accordance with established expectations.
    • Assist with various projects and initiatives. Work collaboratively with others to help support and achieve the overall goals of Business Services.

    Must comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.   

    Please note: this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties responsibilities and activities may change at any time with or without notice.   

    Minimum Qualifications 

    • BA/BS degree in related field or equivalent experience or training.
    • 5-7 years’ experience in related position; full knowledge of complex commercial and business loan underwriting, documentation preparation, funding, and applicable laws and regulations; relies on experience and judgment to plan and accomplish goals.
    • 5-7 years’ experience in analysis and underwriting.
    • 5-7 years’ experience in spreading, reviewing and analyzing business and personal financial information and tax returns.
    • Must have extensive experience in commercial lending analysis and underwriting. 
    • Full knowledge of credit union lending policies, guidelines, and practices; and regulations. 
    • Intermediate or above level of experience with Microsoft Word, Excel, Outlook and PowerPoint
    • Must have strong attention to detail and accuracy.
    • Must be a self-starter, with a strong drive to succeed and continually reach new goals.
    • Must be a team player who can operate both within a group and independently with minimal supervision.
    • Ability to make effective group and individual presentations.
    • Verifiable job history showing stability, consistency, dependability, and accountability.
    • A significant level of trust and diplomacy is required, in addition to normal courtesy and tact. Work involves extensive personal contact with others and/or can be of a personal or sensitive nature. Work may involve motivating or influencing others.

    Do you want to be valued as an employee?  

    Employees are Meriwest’s most valuable resource. We provide competitive wages and a supportive environment that promotes career advancement. Meriwest utilizes a grading system to determine salary ranges for all positions. Each grade is assigned a salary range which consists of a minimum, midpoint, and maximum rate. The Business Services Credit Analyst position is a Grade 12. 

    • Salary Range: $91,370.86 to $137,056.30
    • Target Range: $91,370.86 to $114,213.58

    *The target range for entry in a new position is between the minimum and midpoint of the range, depending on experience and qualifications.

    We also offer an excellent, fully comprehensive benefits program, including:    

    • Medical/Dental/Vision on the first day of employment for full-time employees   
    • Free Long Term Care Insurance for employees   
    • Tuition Reimbursement/Student Loan Repayment Plan   
    • Pension Plan/401K   
    • Bonus and incentive potential   
    • Generous Paid Time Off (PTO)/Holiday program   
    • Career growth support and planning programs   
    • In-house fitness center   
    • Discounts on new Mortgage after 6 months of employment   

    Meriwest is an equal opportunity employer that is committed to inclusion and diversity. All qualified applicants will receive consideration for employment. We do not discriminate based upon race, religion, color, national origin, sex (including pregnancy, childbirth, reproductive health decisions, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, genetic information, political views or activity, or other applicable legally protected characteristics.

  • 7 Days Ago

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Senior Credit Analyst/Buyer/Underwriter
  • Veros Credit, LLC
  • Santa Ana, CA FULL_TIME
  • About Us Veros Credit is committed to making vehicle ownership possible for everyone. Through our vast network of independent and franchise dealers, we have helped countless customers with their finan...
  • 21 Days Ago

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Credit Analyst/Buyer/Underwriter II
  • Veros Credit, LLC
  • Santa Ana, CA FULL_TIME
  • About Us Veros Credit is committed to making vehicle ownership possible for everyone. Through our vast network of independent and franchise dealers, we have helped countless customers with their finan...
  • 22 Days Ago

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AVP, Consumer Credit
  • Axos Bank
  • HQ, CA FULL_TIME
  • Job Summary and OpportunityAxos Credit Operations & Analytics division is focused on evaluating, designing, delivering, and managing effective and scalable business operations that support the Credit ...
  • 1 Month Ago

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Technical Analyst
  • Disney Direct to Consumer
  • San Francisco, CA OTHER
  • On any given day at Disney Entertainment & ESPN Technology, we’re reimagining ways to create magical viewing experiences for the world’s most beloved stories while also transforming Disney’s media bus...
  • 18 Days Ago

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Consumer Lending Manager (Onsite)
  • Frontwave Credit Union
  • Oceanside, CA FULL_TIME
  • Overview The Consumer Lending Manager is responsible for the overall direction of Consumer Lending operations for the organization. Has direct oversight of the Consumer Lending Department, ensuring th...
  • 19 Days Ago

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Senior Sales Analyst
  • Gorton's
  • Gloucester, MA
  • Be part of something BIG here at Gorton’s. With the iconic yellow slicker and a catchy jingle, Gorton’s is now reaching ...
  • 3/28/2024 12:00:00 AM

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Venture Capital & Private Equity Apprenticeship
  • Venture University
  • The Venture Capital & Private Equity Investor Accelerator Program offers individuals the opportunity to gain high qualit...
  • 3/28/2024 12:00:00 AM

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Research Associate
  • Channel Dynamics
  • Golden, CO
  • About Channel Dynamics Channel Dynamics is a boutique research firm and market intelligence platform used by leading hed...
  • 3/28/2024 12:00:00 AM

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Product Stewardship Analyst
  • Inolex
  • Philadelphia, PA
  • Job Summary: Inolex, Inc. is recruiting for a Product Stewardship Analyst to join our Product Stewardship team. This pos...
  • 3/28/2024 12:00:00 AM

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Senior Data Analyst
  • Harnham
  • Job Title: Senior Data Analyst Location: Los Angeles, CA (Onsite – Monday to Thursday, Friday WFH) Salary: $100-130k bas...
  • 3/28/2024 12:00:00 AM

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Sr. Business Intelligence Analyst
  • Nissin Foods
  • Gardena, CA
  • Summary: Perform critical data analysis and maintain relevant reporting using Microsoft Power BI and SQL-related technol...
  • 3/28/2024 12:00:00 AM

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Investment Banking Associate
  • Cohen & Company Capital Markets
  • Menlo Park, CA
  • About Cohen & Company Capital Markets Cohen & Company Capital Markets ("CCM") was established in 2021 with a firm commit...
  • 3/28/2024 12:00:00 AM

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Consumer Credit Analyst
  • Ascendo Resources
  • Miami, FL
  • Responsibilities: Evaluate and analyze consumer loan applications, including personal, auto loans and credit card applic...
  • 3/24/2024 12:00:00 AM

California is a state in the Pacific Region of the United States. With 39.6 million residents, California is the most populous U.S. state and the third-largest by area. The state capital is Sacramento. The Greater Los Angeles Area and the San Francisco Bay Area are the nation's second and fifth most populous urban regions, with 18.7 million and 9.7 million residents respectively. Los Angeles is California's most populous city, and the country's second most populous, after New York City. California also has the nation's most populous county, Los Angeles County, and its largest county by area, S...
Source: Wikipedia (as of 04/11/2019). Read more from Wikipedia
Income Estimation for Consumer Credit Analyst jobs
$58,842 to $79,978

Consumer Credit Analyst in Eugene, OR
Detail-oriented consumer credit analyst who expertly reviews consumer data to determine whether or not loan and credit applications should be approved.
December 03, 2019
Consumer Credit Analyst in Spartanburg, SC
Prerequisite to this, consumer credit analysts must have a firm grasp on what constitutes a good risk and what constitutes a faulty one.
January 12, 2020
Consumer Credit Analyst in Columbus, OH
Reading credit reports and piecing together the story of a person’s finances is imperative to being a good consumer credit analyst.
January 03, 2020
It is helpful to consult a proven example such as the following consumer credit analyst resume sample.
February 20, 2020