Consumer Credit Analyst jobs in Oceanside, 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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AVP, Consumer Credit
  • Axos Bank
  • HQ, CA FULL_TIME
  • Job Summary and Opportunity

    Axos Credit Operations & Analytics division is focused on evaluating, designing, delivering, and managing effective and scalable business operations that support the Credit department. This is accomplished by collaborating on cross-functional initiatives and process improvements, sustaining a strong human capital framework, maintaining accurate credit policies and procedures, ensuring audit preparedness and effective controls framework, and providing meaningful credit data and analytics.

    Responsibilities

    • Review loan applications of varying complexity, value, and risk
    • Work with loan processors and customers to gather and verify additional application, financial, and background information on applicants applying for loans
    • Analyze paystubs, bank statements, individual tax returns and schedules, and infrequent business & commercial financial statements
    • Review credit reports and verify outstanding individual debts to be considered during the underwriting process
    • Calculate key ratios including debt, payment-to-income, loan-to-income ratios, prepare financial spreads, and calculate secured and unsecured debt levels
    • Approve or deny loan applications
    • Verify the accuracy of loan amounts and repayment terms on approved loan applications
    • Explain reasons for denial and explain available options for applicants
    • Ensure that sound analysis and lending procedures are followed in compliance with the Lending policy and all Regulations
    • Assist in the operational development and workflow efficiency through creation and/or revision of established policies and procedures
    • Review and analyze automated decision rules in the loan origination system for accuracy and compliance. Make suggestions for improvements as needed
    • Answer questions regarding loan products
    • Assist in lending team training
    • Resolve applicant complaints in a professional manner

    Requirements

    • Bachelor's degree
    • 3 years' of consumer loan processing and underwriting experience in products such as unsecured installment loans or credit cards

    Axos Employee Benefits Include

    • Compensation for this position includes a Semi-Annual Bonus Plan
    • 3 weeks’ Vacation, Sick leave, and Holidays (about 11 a year); Medical, Dental, Vision, Life insurance and more
    • HSA or FSA account and other voluntary benefits
    • 401(k) Retirement Saving Plan with Employer Match Program and 529 Savings Plan
    • Employee Mortgage Loan Program and free access to Self-Directed Trading

    APPLY DIRECTLY FOR CONSIDERATION

    Born digital, Axos Bank has reinvented the banking model and grown to over $18.7 billion in assets since our founding in 2000. With a broad and ever-growing range of financial products, Axos Bank is rated among the top 5 digital banks in the country! Axos Financial is our holding company and publicly traded on the New York Stock Exchange under the symbol "AX" (NYSE: AX).

    We bring together human insight and digital expertise to anticipate the needs of our customers. Our team members are innovative, technologically sophisticated, and motivated to achieve.

    Learn more about working here!

    Pre-Employment Drug Test:

    All offers are contingent upon the candidate successfully passing a credit check, criminal background check, and pre-employment drug screening, which includes screening for marijuana.  Axos Bank is a federally regulated banking institution.  At the federal level, marijuana is an illegal schedule 1 drug; therefore, we will not employ any person who tests positive for marijuana, regardless of state legalization.

    Equal Employment Opportunity:

    Axos Bank is an Equal Opportunity employer. We are committed to providing equal employment opportunities to all employees and applicants without regard to race, religious creed, color, sex (including pregnancy, breast feeding and related medical conditions), gender, gender identity, gender expression, sexual orientation, national origin, ancestry, citizenship status, military and veteran status, marital status, age, protected medical condition, genetic information, physical disability, mental disability, or any other protected status in accordance with all applicable federal, state and local laws.

    Job Functions and Work Environment:

    While performing the duties of this position, the employee is required to sit for extended periods of time. Manual dexterity and coordination are required while operating standard office equipment such as computer keyboard and mouse, calculator, telephone, copiers, etc. The work environment characteristics described here are representative of those an employee may encounter while performing the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this position.

     

    #LI-Onsite #AxosBank

  • 1 Month 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...
  • 20 Days Ago

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Consumer Loan Processor (Onsite)
  • Frontwave Credit Union
  • Oceanside, CA FULL_TIME
  • Overview The Consumer loan processor is responsible for the processing of all Consumer Loan product applications in compliance with applicable rules, regulations, laws and guidelines. Provide members ...
  • 21 Days Ago

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Consumer Loan Processor
  • Frontwave Credit Union
  • Oceanside, CA FULL_TIME
  • Overview The Consumer loan processor is responsible for the processing of all Consumer Loan product applications in compliance with applicable rules, regulations, laws and guidelines. Provide members ...
  • Just Posted

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Consumer Servicing Specialist
  • San Diego County Credit Union
  • Center, CA FULL_TIME
  • Position Summary: Support the servicing and maintenance of consumer loans and leases in compliance with applicable rules, policies and regulations. Serve members, other institutions and internal custo...
  • 18 Days Ago

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Consumer Lending Intern (Summer 2024) - San Diego
  • North Island Credit Union
  • San Diego, CA INTERN
  • Overview Applicant Instructions Please complete the application online and upload a resume. General Summary Work closely with assigned department on various tasks, attend department meetings, manage s...
  • 25 Days Ago

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0 Consumer Credit Analyst jobs found in Oceanside, CA area

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Business Process Analyst, Government Procurement
  • Viasat, Inc.
  • Carlsbad, CA
  • About us: One team. Global challenges. Infinite opportunities. At Viasat, were on a mission to deliver connections with ...
  • 3/28/2024 12:00:00 AM

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Associate Cyber Security Engineer
  • Tillster, Inc.
  • San Diego, CA
  • Associate Cyber Security Engineer Must be based in San Diego, CA 5 Days a week in Office About Tillster Tillster, headqu...
  • 3/28/2024 12:00:00 AM

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Healthcare MDM Data Architect -remote
  • Expert In Recruitment Solutions
  • San Diego, CA
  • Must be based in PST zone Must have a valid LinkedIn profile Duration: 12+ months Data Architect to be part of the growi...
  • 3/28/2024 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
  • San Diego, CA
  • 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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PowerBI Developer
  • Saxon Global
  • San Diego, CA
  • This is a 12 month contract with Guild Mortgage Company. 100% remote. Client is in CA. Only submit CA - PST profiles. US...
  • 3/25/2024 12:00:00 AM

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Sr. Transportation Manager
  • Bumble Bee
  • San Diego, CA
  • ** >** **Sr. Transportation Manager** **LOCATION** San Diego, CA **DEPARTMENT** Supply Chain Primary responsibility is t...
  • 3/25/2024 12:00:00 AM

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Data Mover Development Intern
  • Teradata
  • San Diego, CA
  • **Data Mover Development Intern** ** **Location:** San Diego, California, United States** Requisition Number: 213138 Job...
  • 3/25/2024 12:00:00 AM

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Healthcare MDM Data Architect -remote
  • RIT Solutions, Inc.
  • San Diego, CA
  • Must be based in PST zone Must have a valid LinkedIn profile Duration: 12+ months Data Architect to be part of the growi...
  • 3/24/2024 12:00:00 AM

Oceanside is a coastal city located on California's South Coast. It is the third-largest city in San Diego County, California. The city had a population of 167,086 at the 2010 census. Together with Carlsbad and Vista, it forms a tri-city area. Oceanside is located just south of Marine Corps Base Camp Pendleton. Oceanside is at 33°12′42″N 117°19′33″W / 33.21167°N 117.32583°W / 33.21167; -117.32583 (33.211566, -117.325701). According to the United States Census Bureau, the city has a total area of 42.2 square miles (109 km2), of which 41.2 square miles (107 km2) is land and 0.9 square miles ...
Source: Wikipedia (as of 04/11/2019). Read more from Wikipedia
Income Estimation for Consumer Credit Analyst jobs
$57,653 to $78,362
Oceanside, California area prices
were up 2.6% 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