Consumer Credit Analyst jobs in Santa Rosa, CA

Redwood Credit Union is a not-for-profit financial institution that believes in people over profits. Our mission is to passionately serve the best interests of our Members, team members, and communities. Sticking to that vision has made us one of the most loved financial partners in the many communities we serve. In fact, RCU is the 8th largest credit union in California—and growing. Due to this growth, we recently completed construction on our new, 8-acre campus in Napa and are ready to welcome more than 500 valued team members!

Since 1950, Redwood Credit Union has been helping people reach their financial goals and dreams with a focus on helping others. That people-first approach holds true for our employees, too. Our work environment is built on service and trust. It's all possible with a leadership team committed to hiring talented people and helping them develop their careers.

If this sounds like a place you’d like to be, we’re eager to meet you!

Redwood Credit Union is looking for a Consumer Loan Funder who will be responsible for planning, preparing and organizing the consumer loan documentation to ensure accurate and expeditious loan closings while providing superior Member service.

Essential Functions

Funding Loans

• Responsible for the timely and accurate coordination, processing and funding of all loans files including reviewing and interpreting underwriting conditions.

• Receive funding packets as assigned by department and manage funding from the various incoming channels.

• Analyze Loan approval conditions in loan origination system (LOS). Verify the accuracy and integrity of all loan data entered into the system including but not limited to Membership, names, addresses, government monitoring information, loan information (i.e. loan amount, interest rate, terms, KBB/NADA/Black Book/MSRP information, income, etc.).

• Manage and continue to maintain all data and updates within the LOS throughout the funding process

• Communicate and follow-up with Members/vendors regarding loan status and request and manage the timely return of required documentation needed to fund loan.

• Discuss loan options and programs with Members and vendors to ensure quality Member service.

• Identify cross sell opportunities that will benefit Member.

Department and Consumer Loan Officer Support

• Utilize queue management system, within LOS, in conjunction with Consumer Loan Officers to ensure high quality Member/vendor service.

• Report on a daily basis any problems or concerns with specific loan files.

• Propose new or improved processes that will improve current file flow within Consumer Lending.

• Provide exceptional service to all Members, volunteers, internal employees, and vendor.

• Perform special projects and duties as assigned.

• Review and complete lending reports as needed or assigned.

Member Service

• Provide general assistance in completing tasks or projects.

• Propose new or improved processes that will improve current structure or enhance Member experience.

•Research and resolve Member or employee concerns as directed.

•Compose and type general correspondence including emails, letters, memo communication for staff, vendors and Members

• Represent RCU in a courteous and professional manner at all times.

• Thorough knowledge in the use of Internet-based loan origination software.
• Knowledge of lending principles, practices, rules, regulations and sales.
• Knowledge of compliance requirements.
• Ability to calculate income from paystubs, tax returns and or business returns.
• Ability to establish and maintain effective working relationships with a diverse group of people.
• Ability to act independently and confidentially, using discretion and tact.
• Ability to coordinate a variety of activities simultaneously and prioritize work.

The ideal candidate has a combination of education and experience equivalent to a high school diploma, plus 1 to 2 years' experience in consumer lending industry or closely related field.

Compensation: Base starting range: $23.00 to $30.00 per hour commensurate with experience.

Our base salary starting range is based on scope and responsibilities of the position, candidate's work experience, education/training, key skills, and internal peer equity. We offer a competitive total rewards package including a wide range of medical, dental, vision, financial, and other benefits.

Redwood Credit Union offers a robust benefits package to our eligible employees including:

·         Competitive medical, dental, and vision insurance, mental health offerings

·         Employee performance incentive plan

·         Salary Advancement– Merit increase based on performance

·         401(k) program with employer match

·         Time Off- Competitive PTO accrual plus 11 paid company holidays and your birthday off!

  RCU Discounts and Perks-

-  RCU employees are eligible for a .75% discount off RCU standard collateral auto loans

- RCU employees are eligible for a 1% discount on all recreational or boat loan products

- 2% discount off Visas and LOC Loans through RCU

- 0% interest on garment, fitness, or home office equipment loan of up to $500

- 100% financing for employee purchased homes!

Why work for Redwood Credit Union?

·         Local financial institution, providing unparalleled service since 1950

· Recognized by Newsweek as one of "America's Best Credit Unions 2024"

·         Top 5 Healthiest Credit Union in the USA, rated by Glatt Consulting

·         Voted Best Places to Work in the North Bay 18 years in a row

·         World-class employee engagement scores

·         Rated Superior in Service by more than 90% of Members, surveyed by SF Gate

·         Recognized by Forbes as one of “America’s Best Small Employers 2023"

Internal Team Members

If you are a current Team Member, please apply through the internal careers page located in RCUNET.

                                        We are an Equal Opportunity Employer