Consumer Credit Analyst/Hybrid

$40,000 - $400,000/Yr

Franklin Mint Federal Credit Union

Full-time

Credit Intermediation and Related Activities

About the position

The Consumer Credit Analyst serves as the primary contact for credit requests, overseeing workflow and assisting Loan Officers with complex applications. This role involves conducting quality control credit risk reviews, analyzing credit decisions, and making recommendations to enhance credit policies and procedures. The analyst supports Indirect Lending channels by monitoring performance and risk trends, ensuring compliance with regulations, and providing training to staff.

Responsibilities

• Analyzes and interprets internal and external business issues and recommends solutions and best practices.
• Conducts Quality Control reviews to ensure lending consistency for Direct and Indirect lending channels.
• Provides in-depth analysis of credit decisions and makes recommendations to management on ways to manage risk and achieve loan growth goals.
• Monitors the Centralized Lending queue to ensure loan applications are processed within established SLA.
• Reviews and analyzes credit applications for credit worthiness and approves within lending authority.
• Handles complex credit requests and escalations.
• Provides guidance and training to loan officers and member facing originators.
• Communicates with internal departments to discuss the status of credit applications and identifies issues and training opportunities.
• Conducts LOS UAT and Loan Pool analysis as needed.
• Represents Lending in meetings or committees.
• Supports Management in internal audits and regulatory examinations.
• Completes department reports as needed.
• Keeps abreast of federal, state and local laws and regulations related to consumer credit.

Requirements

• Bachelor's Degree and eight years consumer lending experience (including unsecured, auto, and home equity), including loan approval authority.
• Experience analyzing financial statements or equivalent experience.
• In-depth knowledge of consumer loan credit analysis.
• Strong customer/member service skills.
• Excellent interpersonal and team player skills.
• Presentation skills and ability to work independently.
• Analytical and problem-solving skills.
• Organizational skills and detail-oriented.
• Verbal and written communication skills.

Nice-to-haves

• Project Management Skills
• Ability to work a flexible schedule; rotating on call duties required; overtime as needed.