Consumer Credit Analyst jobs in Richmond, CA

Job Description

Credit Union Examiners plan, conduct, and complete examinations of federally insured and federally chartered credit unions. This includes analyzing credit union data to identify areas of concern, persistency of previous problems, and risk to the National Credit Union Share Insurance Fund (NCUSIF). Some examinations are completed independently by an examiner while other examinations require working as part of a team.

Credit Union Examiners at the CU-7 and CU-9 level are considered developmental positions. Individuals in these positions work under the close supervision of a Supervisory Examiner and are in a robust training program that includes:

• classroom training covering accounting, communications, credit union operations, examination procedures, analysis techniques, and administrative subjects;
• hands-on experience working with an on-the-job (OJT) trainer within his/her assigned district of credit unions;
• reading assignments pertaining to the laws, regulations, policies and directives which govern the operation of federal and federally insured credit unions;
• online training modules; and
• progressively responsible work assignments.

Applicants may select up to 3 duty locations in which you are willing to reside. Applicants are expected to reside close to their official duty station, normally within 40 miles. Where you live in relation to your official duty station MATTERS and more information can be reviewed by clicking here.

Conditions of Employment

• You must be a U.S. Citizen.
• Suitable adjudication of background/security investigation is required.
• A probationary period may be required.
• Mobility agreement and financial disclosure forms are required.
• Applicants must complete a USA Hire Writing Assessment via the USA Hire platform if notified to do so.
• Must complete initial online questionnaire.

Qualifications

PLEASE NOTE: To qualify based on the education qualification requirements listed in this vacancy announcement, you must complete those education requirements no later than June 30, 2024..

The ideal candidate for this position will have a degree in accounting, business, or finance; is skilled in using information systems and technology; is skilled in preparing written communications; and has good interpersonal skills. Proficiency in additional languages is also desired.

MINIMUM QUALIFICATIONS

For all grade levels, if you are found to meet the minimum experience and/or education qualification requirements below, you will be required to complete a USA Hire assessment battery (i.e., Assessment Questionnaire and Writing Assessment). You must achieve a minimum passing score on the Writing Assessment to receive further consideration for the position. See "How to Apply" for further information.

To meet the minimum qualification requirements for the Grade CU-07, you must have one of the following (A, B, C, or D):

A. EXPERIENCE: One (1) full year of specialized experience equivalent to CU/GS-05 level (obtained in the public or private sector) that has equipped the applicant with the competencies (knowledge, skills, abilities) to successfully perform the duties of this position. This experience must have included preparing or analyzing financial statements and posting and/or balancing general ledger accounts in accordance with Generally Accepted Accounting Principles (GAAP) and auditing work involved with examination and appraisal of financial records or statements for completeness and internal accuracy in accordance with Generally Accepted Auditing Standards.

OR

B. EDUCATION (Superior Academic Achievement): Completion of a full 4-year course of study leading to a bachelor's degree or higher degree in economics, accounting, business, business administration, finance, marketing, or other directly related business field. This education must have included six (6) semester hours of course work in accounting (or equivalent courses) and three (3) semester hours of course work in introductory auditing* (or an equivalent course) for a total of nine (9) semester hours. For a more detailed description of qualifying accounting coursework, please see education section of this vacancy announcement. In addition to the above degree/course work requirement, you must also meet ONE of the definitions of Superior Academic Achievement listed below:

• A grade-point average of "B" (a GPA of 2.95 or higher out of a possible 4.0) for all completed undergraduates courses or those completed in the last two years of undergraduate study.
• A grade-point average of "B " (a GPA of 3.45 or higher out of a possible 4.0) for all courses in your major field of study, or those courses in your major completed in the last two years of undergraduate study.
• Rank in the upper one-third of your class in the college, university, or major subdivision.
• Membership in a national honor society (other than freshman honor societies) recognized by the Association of College Honor Societies.

OR

C. EDUCATION (Graduate-level): One (1) full year (18 semester hours or 27 quarter hours or the number of units the school you attended considers equal to one full year) of graduate education in an accredited college or university in accounting, business, business administration (MBA), finance, marketing, economics or other directly related field. This education must have included or been supplemented by six (6) semester hours in accounting (or equivalent courses) and three (3) hours in introductory auditing (or equivalent course) for a total nine (9) semester hours. These courses may have been at the graduate or undergraduate level and a description of qualifying accounting coursework can be found in education section of this vacancy announcement.

OR

D. COMBINATION: A combination of graduate level education and experience described in "A" and "C" above. To combine education and experience, first take the number of semester hours or equivalent earned towards a graduate degree and divide by 18 semester hours or equivalent. Then take the number of months of full-time experience and divide by 12 months. Add the percentages together. The total must equal at least 100% to qualify.

To meet the minimum qualification requirements for the Grade CU-09, you must have one of the following (A, B, C, or D):

A. EXPERIENCE: One (1) year of specialized experience equivalent to CU/GS-07 level (obtained in the public or private sector) that has equipped the applicant with the competencies (knowledge, skills, abilities) to successfully perform the duties of this position. This experience must have included assignments involved in the examination and auditing of credit unions or financial institutions through detailed examinations of accounting documents to verify accuracy of computations and to ascertain that all transactions are properly supported and are in accordance with pertinent laws and regulations.

OR

B. EDUCATION (Graduate-level): Completion of two (2) full academic years of progressively higher graduate-level education, or a master's degree in an accredited college or university in fields such as accounting, business, business administration (MBA), finance, marketing, economics or other directly related academic field. This education must have included or been supplemented by six (6) semester hours in accounting (or equivalent courses) and three (3) semester hours in introductory auditing* (or an equivalent course) for a total of nine (9) semester hours. These courses must have been at the graduate or undergraduate level and a description of qualifying accounting coursework can be found in the education section of this vacancy announcement.

OR

C. CERTIFICATION: Possession of an active certificate as a Certified Public Accountant, obtained through written examination in a state, territory, or the District of Columbia.

OR

D. COMBINATION: A combination of education and experience described in "A" and "B" above. To combine education and experience, first take the number of semester hours or equivalent earned towards a graduate degree in excess of 18 semester hours and divide by 18 semester hours or equivalent. Then take number the number of months of full-time experience and divide by 12 months. Add the percentages together. The total must equal at least 100% to qualify.

To meet the minimum qualification requirements for the Grade CU-11, you must have one of the following (A, B, or C):

A. EXPERIENCE: One (1) full year of specialized experience equivalent to the CU/GS-09 level (obtained in the public or private sector) that has equipped the applicant with the competencies (knowledge, skills, abilities) to successfully perform the duties of this position. This experience must have included responsibility for performing examining/auditing operations for a financial institution; and experience reviewing internal controls for a business or other organization to determine risk exposure.

OR

B. EDUCATION: Completion of three (3) full academic years of progressively higher graduate-level education or Ph.D. or equivalent doctoral degree. Such education must demonstrate the knowledge, skills and abilities necessary for successful job performance in the position to be filled; and included at least six (6) semester hours of course work in accounting or equivalent courses and three (3) semester hours in introductory auditing* (or an equivalent course) for a total of nine (9) semester hours. These courses must have been at the graduate or undergraduate level and a description of qualifying accounting coursework can be found in the education section of this vacancy announcement.

OR

C. COMBINATION: Completion of an equivalent combination of acceptable graduate level education and experience as described above sufficient to equal 100% of the job requirements.

Education

PLEASE NOTE: To qualify based on the education qualification requirements listed in the vacancy announcement, you must complete those education requirements no later than June 30, 2024.

Job Type: Full-time

Salary: $62,813 - $118,382 per year

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Disability insurance
• Employee assistance program
• Flexible schedule
• Flexible spending account
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Vision insurance
• Work from home

Schedule: 8 hour shift

Work Location: On the road

Job Type: Full-time

Pay: $62,813.00 - $118,382.00 per year

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Health insurance
• Life insurance
• Paid time off
• Vision insurance

Experience level:

• 1 year
• No experience needed

Schedule:

• 8 hour shift
• Monday to Friday

Ability to Relocate:

• Oakland, CA: Relocate before starting work (Required)

Work Location: On the road