Consumer Credit Analyst jobs in Santa Cruz, 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 Specialist
  • Driscoll's
  • Watsonville, CA FULL_TIME
  • To gather information and analyze potential new customer credit and financial data to determine the level of risk involved in extending credit and to provide recommendations to management utilizing standard policy guidelines. Regularly monitor existing credit accounts to manage credit granted to mitigate risk. Highlight exceptions to pre-established credit terms and conditions and report them to management. Propose to review credit terms and stop credit/product supply to overdue customers. Work with the Credit and Collections Manager to minimize bad debt risk while maximizing accounts receivable collections. Communicates credit department’s policies and procedures internally. Participate in process improvement projects. Supports collection specialists as needed.

    Responsibilities

    Credit Support: Follows Credit Policies and Procedures. Works closely with sales team and customer/credit applicants to gather proper documentation. Prepares analyses that include the degree of risk involved in extending credit. Assures that reviews are performed on existing customers. Inactivates customer accounts who are potentially high risk per the Credit and Collections Manager's approval. Works with the Credit & Collections Team in managing Accounts Receivable. Consults with credit associations and other business representatives to exchange credit information. Consults with customers to resolve complaints and verify financial and credit transactions. Works with the Master Data Management team to set up/update invoice and credit master accounts in Dynamics AX (Dax). Maintains accurate Credit and Collections system information as per management approval guidelines. Gathers internal customer information and provides status reports to management to evaluate portfolio health. Maintains communication with the Sales Team about sales orders on credit hold and customers reaching their credit limits to properly manage sales orders' ship date.

    Collection Support (as needed): Follows Driscoll’s Policies and Procedures. Reconcile and collect invoices to minimize delinquent receivables and discrepancies. Communicate effectively and resolve Accounts Receivable, Credit, and Collection issues with customers and the Sales group. Notifies customers of delinquent accounts and generates collection by telephone, email, and portals. Provides the customer with the necessary documentation to support the collection. Identifies the root cause for delinquencies, raises issues, or eliminates the cause. Recognizes customers’ changes in payment trends and related risks; communicates these issues to the Sales and the Credit and Collections Management. Prepares journal entries for invoice adjustments.

    Process Improvement: Will work in cross-functional teams as required to improve the processes used to complete the responsibilities of the position and other applicable areas in the company.

    General Responsibilities: Will represent Driscoll ethically and professionally in all interactions with co-workers, growers, vendors, governmental agencies, and customers of Driscoll’s and ensure the confidentiality of all financial, proprietary, and confidential information. Performs other duties as instructed by supervisor.

    Candidate Profile

    Education level: A Bachelor’s Degree in Accounting, Business Administration, or equivalent is highly recommended. Training: 1-2 years of credit experience is required, preferably with progressively responsible positions within the Accounting/Credit/Collections field as a Credit Specialist. Supplemental on-the-job training or courses in lending and credit underwriting experience are preferred.

    Technical skills: Working knowledge of economic and accounting principles and practices, the financial markets, banking, and the analysis and reporting of financial data. Quantitative and analytical skills are required. Previous experience evaluating credit reports preferred (Blue Book Credit Services, Credit Safe, D&B, Experian, etc). Strong technology skills, experience working with accounting software/ERP/EDA, Microsoft Office, and advanced Excel knowledge. Strong problem-solving skills and the ability to learn and adjust in a rapidly changing environment. Excellent communication skills, both verbal and written. Ability to implement and improve processes and internal controls with an eye on Continuous Process Improvement. Individuals should be a self-starter and must possess the ability to work well with diverse people. Other qualifications: Must have excellent organizational skills. Ability to work independently with little supervision, keep information confidential, schedule tasks, and meet deadlines. Bilingual-Spanish desired but not required. Available for travel (10% approx.). Maintaining a valid CA Driver’s License is required.

    Compensation & Benefits:


    The following information is provided in good faith as a general description of the salary range and benefits for the position posted. The actual compensation offered to the successful candidate is dependent upon experience, skills, education, work location, internal pay equity, and other objective job-related factors.

    Salary Range estimated for the Credit Specialist is: $ 49,503 to $ 73,000 USD.

    Driscoll’s is committed to a culture of care and offers an attractive benefits package that includes comprehensive medical, dental, and vision coverage, life insurance, and disability coverage for positions working more than 30 hours per week. Other benefits include: 401(k) with employer match, profit-sharing participation, paid sick time, paid vacation, paid personal and family care leave, and a free Employee Assistance Program (EAP). More detailed information regarding the benefits package, will be shared during the application process.

    About Driscolls

    Driscoll's is the global market leader for fresh strawberries, blueberries, raspberries and blackberries. With more than 100 years of farming heritage and hundreds of independent growers around the world, Driscoll's is passionate about growing fresh, beautiful and delicious berries. Our values of humility, passion and trustworthiness have guided our mission to delight consumers around the world.

    Driscoll's exclusive patented berry varieties are developed through years of research using only natural breeding methods – meaning, no GMOs. From farm-to-table, we focus on delivering a high quality, premium berry experience with our many supply chain partners.

    Driscoll's is the trusted brand for Only the Finest Berries™.

    Driscoll's es el proveedor líder en la comercialización de Fresas, Frambuesas, Zarzamoras y Arándanos Azules en el mundo. Con más de 100 años de herencia en agricultura y cientos de productores independiente alrededor del mundo, Driscoll's es una compañía apasionada por cultivar Berries frescas, hermosas y deliciosas. Nuestros valores de humildad, pasión y confianza han guiado nuestra misión de deleitar a los consumidores en el mundo.

    Las variedades exclusivas de Driscoll's han sido desarrolladas a través de años de investigación usando sólo métodos de mejoramiento natural. De la granja a la mesa, nos enfocamos en ofrecer una experiencia de alta calidad con apoyo de nuestros socios de la cadena de suministro.

    Driscoll's es la marca de confianza de sólo las mejores Berries.

  • 22 Days Ago

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Credit Support Manager - Community Credit Union
  • Your SmartSource
  • Santa Cruz, CA FULL_TIME
  • MUST BE ABLE TO PROVIDE PROOF OF BOTH, IF NOT 3 COVID VACCINATIONS Company Profile: Located on the beautiful California coast, Santa Cruz Community Credit Union (SCCCU) is a community-development and ...
  • 24 Days Ago

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Call Center Specialist
  • Bay Federal Credit Union
  • Capitola, CA FULL_TIME
  • The Call Center Specialist proactively works with members and prospective members. This position will provide superior service to our new and existing members as well as assess member financial needs,...
  • 14 Days Ago

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Bilingual Consumer Lending Sales Specialist, Full-Time
  • Advance America
  • Santa Cruz, CA FULL_TIME
  • JOB SUMMARY The Consumer Lending sales Specialist (CLSS) position is a performance based, hands-on, customer-focused role that is responsible for delivering results related to individual and branch sa...
  • Just Posted

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Bilingual Consumer Lending Sales Specialist - Full Time
  • Advance America
  • Santa Cruz, CA FULL_TIME
  • Address: 420 River Street, Ste. B, Santa Cruz, California, United States - 95060 Purpose Financial, Inc. is an innovative consumer financial services company that offers a diverse suite of credit prod...
  • 11 Days Ago

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IT Service Desk Technician, Level 1 - Community Credit Union
  • Your SmartSource
  • Santa Cruz, CA FULL_TIME
  • Company Profile: Santa Cruz Community Credit Union (SCCCU) is a community-development and low-income certified credit union, serving Santa Cruz County and parts of Monterey County. Job Summary: Report...
  • 6 Days Ago

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0 Consumer Credit Analyst jobs found in Santa Cruz, CA area

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QA Analyst, 31413494
  • Cypress HCM
  • Los Gatos, CA
  • QA Analyst, 31413494 We are looking for an experienced test professional in the Compatibility, Compliance and Cloud (CCQ...
  • 3/28/2024 12:00:00 AM

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Principal Engineer - Remote
  • PayNearMe
  • Santa Clara, CA
  • Company Description PayNearMe develops award-winning technology to facilitate the end-to-end customer payment experience...
  • 3/28/2024 12:00:00 AM

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Compliance Lead, Token Listing
  • Okcoin
  • San Jose, CA
  • Who We Are OKX is revolutionising world systems through our cutting-edge digital asset exchange, Web3 portal and blockch...
  • 3/28/2024 12:00:00 AM

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Compliance Lead, Token Listing
  • OKX
  • San Jose, CA
  • Who We Are OKX is revolutionizing world systems through our cutting-edge digital asset exchange, Web3 portal and blockch...
  • 3/28/2024 12:00:00 AM

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Senior Product Manager (Risk)
  • EarnIn
  • Palo Alto, CA
  • ABOUT EARNIN As one of the first pioneers of earned wage access, our passion at EarnIn is building products that deliver...
  • 3/27/2024 12:00:00 AM

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Sr. Product Marketing Manager
  • Versa Networks
  • Santa Clara, CA
  • Description About Us Want to change the future of security integrated with networking? Versa is looking to disrupt the w...
  • 3/27/2024 12:00:00 AM

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System Analyst - Remote
  • INTELLISWIFT INC
  • San Jose, CA
  • Job ID: 24-01442 Job Title: System Analyst/Business Analyst Location: Remote Duration: 10 months Contract Type: W2 only ...
  • 3/27/2024 12:00:00 AM

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Application Security Engineer - Remote
  • PayNearMe
  • Santa Clara, CA
  • Company Description PayNearMe develops award-winning technology to facilitate the end-to-end customer payment experience...
  • 3/27/2024 12:00:00 AM

Santa Cruz (/ˈsæntə ˈkruːz/, Spanish: Holy Cross) is the county seat and largest city of Santa Cruz County, California. As of 2013 the U.S. Census Bureau estimated Santa Cruz's population at 62,864. Situated on the northern edge of Monterey Bay, about 32 mi (51 km) south of San Jose and 75 mi (120 km) south of San Francisco, the city is part of the 12-county San Jose-San Francisco-Oakland Combined Statistical Area. Santa Cruz is known for its moderate climate, natural environment, coastline, redwood forests, alternative community lifestyles, and socially liberal leanings. It is also home to th...
Source: Wikipedia (as of 04/11/2019). Read more from Wikipedia
Income Estimation for Consumer Credit Analyst jobs
$59,338 to $80,652
Santa Cruz, California area prices
were up 2.5% 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