Consumer Credit Analyst jobs in Lorain, OH

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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Residential and Consumer Lender
  • First National Bank
  • Bellevue, OH FULL_TIME
  • Description

    Job Title: Residential/Consumer Lender

    Reports to: Chief Lending Officer

    Job Type: Full Time

    Position Overview: Originates residential and consumer loans in a community banking environment. Counsels customers, takes applications, conducts preliminary underwriting reviews, and submits loan applications to processing and underwriting for approval. Follows up to ensure that documents required for processing, underwriting, and closing are secured in a timely manner from appropriate sources. Responsible for soliciting business and conducting sales-related activities outside of branch locations in order to meet specific loan volume origination goals.

    Performs wide range of duties relating to the origination of residential and consumer loans. Meets standards and objectives defined by management for mortgage loan sales and cross-selling objectives. Assumes overall responsibility for the residential/consumer loan from application to closing relating to customer service and compliance with all laws, regulations, and Bank policy and procedure.


    Primary Responsibilities:

    • Work with assigned branch office(s) to ensure awareness of residential and consumer loan products and policies.
    • Responsible for the overall performance of the bank’s residential and consumer loan portfolio and for developing new and maintaining existing business. Handle referrals from each branch office and provide appropriate follow-up feedback.
    • Maintain knowledge of First National Bank Company policies and procedures
    • Maintain knowledge of available loan products, processing procedures, underwriting and general departmental guidelines, and changes in regulations as they occur from time-to-time .
    • Monitors residential loan repayment activities and takes necessary action to collect delinquent accounts.
    • Take residential applications by completing Fannie Mae form 1003 in mortgage origination software.
    • Take consumer applications by completing the standard consumer application in the consumer lending origination software.
    • Collect appropriate documentation from each applicant and deliver loan package in the time frames set by management.
    • Develop and manage pipeline for all originated loans through closing and complete required management reports.
    • Responsible for portfolio management
    • Communicate with branches and/or applicants by providing timely updates and progress reports.
    • Maintain high levels of customer service while managing each applicant’s and support staff’s expectations.
    • Attend and participate in all Consumer Lending meetings as required
    • Advising potential Borrowers regarding appropriate loan programs and processes
    • Participates in community affairs and organizations to increase the bank’s visibility and to enhance new business opportunities.
    • Creating and Executing a Business Development Plan
    • Initiating and maintaining contact with Realtors, Builders, and any potential referral source within assigned territory to inform them of loan products and other services offered by First National Bank



    Requirements

    Education and Experience: Two or more years of sales experience or 3 years of banking and/or previous Mortgage Loan Origination experience. Ability to analyze and interpret financial statements; visual and auditory skills. Outstanding communication and interpersonal abilities. Proficient reading, writing, grammar, mathematics skills and word processing and spreadsheet skills. Excellent interpersonal relations and oral and written communicative skills. Excellent organizational and multi-tasking skills.

    Current knowledge of or the ability to quickly learn/obtain the following:

    • Underwriting requirements for FNMA, FHLMC, FHA, local bond programs and private investors
    • Local, state and national laws and lending regulations (e.g. zoning ordinances, Truth-in Lending, RESPA, (TRID) Rule
    • Knowledge of the Realtor/Builder segment of the Mortgage industry
    • Comprehensive, working knowledge of HELOC’s and Fixed Seconds
    • Comprehensive, working knowledge of all consumer loans
    • Knowledge of local Real Estate community

    Preferred Education: A.B.S. or B.A. or B. S. degree in a related field of study.


    Physical Requirements: This position requires a high degree of mobility. May be subject to prolonged sitting/standing, frequent use of hands and upper body to manipulate/grasp objects/branch equipment, ability to communicate face to face and on the phone with clients, occasional bending and lifting from floor height, frequent forward reach, lifting of 1 – 15 lbs. Must be able to travel by vehicle to customer locations/branches/meetings/seminars, and so forth.

    *This position will mostly work out of our Bellevue branch but may work at another branch or branches at a later date.

    Benefits: First National Bank offers benefits depending on your employment status. Our full-time employee benefits include: 401k with company match, Medical/Prescription coverage, HSA option, Vision and Dental options, Life insurance options including a company paid life insurance, Short and Long term disability, paid holidays, PTO, tuition reimbursement, Wellness programs and potential for profit-sharing and bonuses.

    Wages: Wages commensurate with experience

    First National Bank is an equal opportunity employer.

  • 17 Days Ago

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Consumer Safety Inspector
  • USDA Food Safety and Inspection Service
  • Sandusky, OH 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...
  • 1 Month Ago

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Credit/Collections Specialist
  • ThorWorks Industries
  • Sandusky, OH FULL_TIME
  • ThorWorks Industries, Inc. is seeking applicants for Credit and Collections to complete our team in the Sandusky, Ohio corporate office. The ideal candidate will be hard working, of good character, se...
  • 8 Days Ago

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Branch Manager (Lorain, OH)
  • genfed financial credit union
  • Lorain, OH FULL_TIME
  • Location of Position: Lorain, OH Salary: Contact GenFed's HR Department Duties: What You’ll Bring to the Table: Enthusiasm for Innovation and continual improvement: You’re inspired by digital transfor...
  • 14 Days Ago

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CL A 0 Down LP-No Credit Check-3 Mos Exp-579 Petes-100% No Touch
  • Class A Truckin
  • Sandusky, OH FULL_TIME
  • Class A drivers with at least 3 months verifiable regional or OTR experience (this does NOT include time with trainer) $0 down – no credit check lease purchase All trucks are 2020 579 Petes – 12 Speed...
  • 10 Days Ago

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Tax Analyst
  • Bendix
  • Avon, OH FULL_TIME
  • Position Summary: Position is responsible for preparing and filing all indirect taxes, handling indirect tax audits, tax notices, and analysis of new indirect tax legislation. This position services m...
  • 26 Days Ago

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0 Consumer Credit Analyst jobs found in Lorain, OH area

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Senior SAP Manufacturing FICO Analyst
  • Momentive Technologies
  • Strongsville, OH
  • About Momentive Technologies Momentive Technologies delivers purity that inspires progress. Leveraging a nearly 75-year ...
  • 3/29/2024 12:00:00 AM

A
Financial Analyst - FP&A
  • Arrow International, Inc.
  • Cleveland, OH
  • Job Type Full-time Description Arrow International is the world's largest manufacturer and supplier of charitable gaming...
  • 3/29/2024 12:00:00 AM

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Business Analyst Sr. - Corporate & Institutional Banking
  • PNC Financial Services Group, Inc.
  • Cleveland, OH
  • Position Overview At PNC, our people are our greatest differentiator and competitive advantage in the markets we serve. ...
  • 3/29/2024 12:00:00 AM

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Data Integrity Analyst – Contract – Remote within two hours from Harrisville, PA – US, GC. C2C
  • System Soft Technologies
  • Cleveland, OH
  • Data Integrity Analyst – Contract – Remote within two hours from Harrisville, PA – US, GC. C2C The selected candidate wi...
  • 3/28/2024 12:00:00 AM

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Director of Pricing and Promotions - Remote
  • Eagle Foods, LLC
  • Cleveland, OH
  • Overview: At Eagle Foods we are builders. We are builders of brands, categories, and people. Eagle Foods enjoys a rich h...
  • 3/28/2024 12:00:00 AM

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E-Commerce Marketing Associate (Creative) (Hybrid Remote) (Entry-Level)
  • Reli.
  • Cleveland, OH
  • Reli. is a rapidly growing eCommerce company selling on Amazon (www.amazon.com/reli), Walmart, Shopify (ShopReli.com), a...
  • 3/26/2024 12:00:00 AM

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E-Commerce Marketing Associate (Analytical) (Hybrid Remote) (Entry-Level)
  • Reli.
  • Cleveland, OH
  • Reli. is a rapidly growing eCommerce company selling on Amazon (www.amazon.com/reli), Walmart, Shopify (ShopReli.com), a...
  • 3/25/2024 12:00:00 AM

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REMOTE AML Analyst
  • Insight Global
  • Cleveland, OH
  • **URGENT BACKFILL!** Please only apply if you are serious about accepting this opportunity. Interviews are one-and-done ...
  • 3/25/2024 12:00:00 AM

Lorain /ləˈreɪn/ is a city in Lorain County, Ohio, United States. The municipality is located in northeastern Ohio on Lake Erie, at the mouth of the Black River, approximately 30 miles west of Cleveland. As of the 2010 census, the city had a total population of 64,097, making it Ohio's tenth largest city, the third largest in Greater Cleveland, and the largest in Lorain County by population. The city is notable for its deindustrialized economy, formerly being home to the American Ship Building Company Lorain Yard, Ford Motor Company Lorain Assembly Plant, and United States Steel Corporation's...
Source: Wikipedia (as of 04/11/2019). Read more from Wikipedia
Income Estimation for Consumer Credit Analyst jobs
$52,104 to $70,820
Lorain, Ohio area prices
were up 1.3% 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