Consumer Credit Analyst jobs in Fresno, CA

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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Credit Analyst
  • FFB Bank
  • Fresno, CA FULL_TIME
  • Description

    Who We Are

    FFB, a dynamic and acclaimed single-branch bank born in the heart of Fresno, CA in 2005, is on a mission to redefine the banking experience. Our commitment to delivering top-notch banking services has propelled us to the forefront of the industry, earning us accolades and recognition. At FFB, we recognize the uniqueness of each individual who walks through our doors, and our dedicated team strives to craft personalized banking solutions that cater to their distinct needs.


    What sets FFB apart is not just our Fresno roots but the diverse talents that make up our team, hailing from every corner of the country. We firmly believe that our people are our greatest strength, and we're constantly on the lookout for ambitious and passionate individuals who align with FFB's vision, regardless of their location.


    If you're ready to be part of a winning team and contribute to our ongoing success story, we invite you to apply and join the FFB family!


    Recent Achievements Speak Louder Than Words:

    •  2023 - American Banker - "Top 5" Community Bank in the Country #4 
    •  2023 - OTCQX - Best 50 Companies #3 
    •  2023 - 5-star Rating Bauer Financial 

    What You Should Expect While Working at FFB:

    • Company ownership through our Employee Stock Ownership Program (ESOP)
    • A friendly, close-Knit work culture that encourages growth 
    • Opportunities to Participate in Community Networking Events 
    • Benefits Package

    o Medical/Dental/Vision

    o Life Insurance

    o Paid Vacation

    o 401(k) Retirement Plan

    o Training & Development

    o Tuition Reimbursement

    o Employee Assistance Program

    o Internal Job Posting & Referral Program


    Ideal Candidate: 

    FFB prides itself on its core values of Teamwork, Relationship, Authenticity, and Commitment (TRAC). We expect that our team members will reflect these values in the workplace in various ways: 

    • Teamwork – We collaborate, hold each other accountable, and win together. 
    • Relationship – We are trustworthy, transparent, and respectful. 
    • Authentic – We are humble, vulnerable, and we speak up. 
    • Commitment – We are owners...Be hungry, responsive, and have a sense of urgency.

    About the Position:

    The position of Credit Analyst is responsible for portfolio monitoring duties; including gathering and analyzing credit information on current and potential borrowers; payment monitoring; assists the commercial loan underwriters and loan officers in managing new and existing customer relationships by providing credit support; and promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services.


    Essential Duties:

    • Requests financial data from borrowers based on the borrower’s financial reporting covenants and other data as may be needed to fully understand a borrower’s financial condition.
    • Spreads financial statements to assess the client’s credit & operations risk using multiple sources of information (e.g., customer’s credit and operating risks, current and historical financial statements, cash flows, tax returns, and financial trend analysis; all within framework of Bank credit culture and current economic and industry trends.
    • Assists in the preparation of problem asset reports.
    • Assists in annual reviews of targeted portfolios of credit concentrations to determine any systematic deterioration in the portfolios. 
    • Assists with the daily monitoring and processing of disbursement of funds from the various third-party applications the Bank uses to track lines of credit and construction loans.
    • Monitors loan compliance (e.g., covenant compliance, delinquencies)
    • Contacts customers to collect payments on delinquent accounts.
    • Conducts industry peer comparisons and perform cash flow analyses and other such tasks and comparisons.
    • Assists loan officers in Coordinating processing of approved loans; ensure loans are processed according to agreement, customer needs and conform to Bank lending policies; obtain sufficient information and/or documentation from customers; assist in solving problems relative to processing and servicing of loans.
    • Assists the loan officer in managing their portfolio.
    • Assists with on-going computerization of the loan review function.
    • Develops knowledge of financial industry, economy, market conditions, rates, vendors, and competition.
    • May represent the Bank in various community, civic, and community reinvestment functions to further enhance the Bank’s image and develop additional business.
    • Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees.
    • Assists in providing deposit and loan account ratings for loan officers.
    • Operates computer terminal to obtain and process data.
    • Answers telephones; answers questions and directs callers to proper Bank personnel.
    • Treats people with respect; keep commitments; Inspire the trust of others; work ethically and with integrity; uphold organizational values; accept responsibility for own actions.
    • Assures compliance with all Bank policies and procedures, as well as all applicable state and federal banking regulations; complete administrative tasks correctly and on time; support the Bank’s goals and values; benefit the bank through outside activities.
    • Demonstrates knowledge of and adherence to EEO policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action. 

    Requirements

    • Bachelor’s Degree or equivalent preferred.
    • Basic experience, knowledge and training in financial statement and tax return analysis typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas.
    • Basic knowledge of commercial, construction, real estate and consumer loan processing.
    • Ability to read, analyze and interpret general business and technical procedures.
    • Basic knowledge of related state and federal loan regulations and other Bank lending policies.
    • Ability to effectively present information and respond to questions from groups of managers, customers, and members of the public.
    • Proficiency in Microsoft Office Suite programs, including Word, Excel, and PowerPoint.
    • Basic typing skills to meet production needs of the position.
    • Ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs.
    • Effective verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, interpret documents, understand procedures, write reports and correspondence, speak clearly to customers and employees.
    • Excellent organizational and time management skills.
    • Ability to work with minimal supervision while performing duties.
    • Current California driver’s license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities.
  • 18 Days Ago

A
Credit Analyst
  • Access Plus Capital
  • Fresno, CA FULL_TIME
  • SUPERVISORY RESPONSIBILITIES None SUMMARY Under close supervision of the Senior Manager of Credit, the Credit Analyst is responsible for gathering required loan documents and analyzing credit informat...
  • 21 Days Ago

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Customer Success Solutions Specialist
  • TELUS Agriculture & Consumer Goods
  • Fresno, CA FULL_TIME
  • TELUS Agriculture & Consumer Goods is a great place to work. You can see it in our team members. The diversity of the team and their unique contributions set us apart from the competition. Our success...
  • 5 Days Ago

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Regional Lending Manager
  • Consumer Portfolio Services, Inc.
  • Fresno, CA FULL_TIME
  • About the Company: Consumer Portfolio Services, Inc. is a leader in the sub-prime auto finance industry, is a fast-paced, aggressive mid-sized company that has shown consistent revenue growth year aft...
  • 5 Days Ago

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Consumer Enrollment Associate
  • Pioneer Executives
  • Fresno, CA FULL_TIME
  • Our Fresno-based team works closely with nationally recognized charities and NGOs to plan and administer aid with fundraising efforts in the local area. If you are looking for an opportunity to build ...
  • 11 Days Ago

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Consumer Safety Inspector
  • USDA Food Safety and Inspection Service
  • Selma, CA FULL_TIME
  • Duties YOU WILL/MAY: Ensure that regulated establishments produce a safe product by executing appropriate inspection methods, determining non-compliance with regulatory requirements, documenting nonco...
  • 12 Days Ago

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0 Consumer Credit Analyst jobs found in Fresno, CA area

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EXPERIENCED Propane Driver
  • California Fresno Oil
  • Fresno, CA
  • Red Triangle Oil Co. is looking for an EXPERIENCED service-oriented Class-B CDL propane truck driver with all endorsemen...
  • 3/28/2024 12:00:00 AM

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Remote Sales Associate Part Time and Full Time
  • Symmetry Financial Group
  • Fresno, CA
  • Job Description As a Remote Sales Specialist, you'll be responsible for promptly contacting exclusive in-house leads to ...
  • 3/28/2024 12:00:00 AM

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Medical Assistant (Specialty)
  • United Health Centers of the San Joaquin Valley
  • Fresno, CA
  • Overview: We are recruiting for Medical Assistant's (MA) to join our team in one of our state of the art health centers....
  • 3/28/2024 12:00:00 AM

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Remote Sales Representative - Work From Home
  • Symmetry Financial Group
  • Fresno, CA
  • Job Description Overview: We are seeking a highly motivated and results-driven Life Insurance Sales Representative to jo...
  • 3/28/2024 12:00:00 AM

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Inventory Specialist
  • WALGREENS
  • Fresno, CA
  • Responsible for executing, monitoring, and training inventory best practices and standard operating procedures for the e...
  • 3/27/2024 12:00:00 AM

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US, AVP, Commercial Banking
  • BMO Financial Group
  • Fresno, CA
  • For nearly 80 years, BMO Commercial Bank has served the needs of the entire food continuum. We understand how each eleme...
  • 3/26/2024 12:00:00 AM

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Bookkeeper/Administrative Assistant
  • Turning Point of Central California
  • Fresno, CA
  • Turning Point of Central California, Inc. was founded in 1970. For over 50 years now, we have been transforming lives ac...
  • 3/26/2024 12:00:00 AM

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Physician / Psychiatry / California / Locum Tenens / New Part-Time Adult Outpatient TelePsychiatry Locums Job in Central California Job
  • Jackson + Coker
  • Fresno, CA
  • New Part-Time Adult Outpatient TelePsychiatry Locums Job in Central California Minimum Qualifications: Ability to work e...
  • 3/24/2024 12:00:00 AM

Fresno (/ˈfrɛznoʊ/ FREZ-noh; Spanish for "ash tree") is a city in California, United States, and the county seat of Fresno County. It covers about 112 square miles (290 km2) in the center of the San Joaquin Valley, the southern portion of California's Central Valley. Named for the abundant ash trees lining the San Joaquin River, Fresno was founded in 1872 as a railway station of the Central Pacific Railroad before it was incorporated in 1885. The city has since become an economic hub of Fresno County and the San Joaquin Valley, with much of the surrounding areas in the Metropolitan Fresno regi...
Source: Wikipedia (as of 04/11/2019). Read more from Wikipedia
Income Estimation for Consumer Credit Analyst jobs
$53,454 to $72,654
Fresno, California area prices
were up 2.7% from a year ago

Consumer Credit Analyst in Columbus, OH
It is helpful to consult a proven example such as the following consumer credit analyst resume sample.
February 20, 2020
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
Consumer Credit Analyst in Philadelphia, PA
Because consumer financials are rarely cut and dried, credit analysts must be able to evaluate a large amount of information in a short period of time and provide an honest and objective appraisal of a person’s financial situation.
February 02, 2020
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