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Consumer Credit Analyst

Company: Hope Credit Union / Hope Enterprises
Location: Jackson
Posted on: April 9, 2021

Job Description:

Title: Consumer Credit Analyst Department: Retail Operations Reports To: Assistant Vice President, Consumer Lending Supervises: N/A Job Classification: Full-time, Exempt Job Summary The Consumer Credit Analyst is responsible for timely risk analysis and packaging of new consumer and small business loan requests. The position will also provide portfolio review and analysis for assigned requests for the small business portfolio. Primary and Essential Functions

  • Leads and supports Strengthening HOPE Initiative that values an organizational culture for open communication, innovation, associate engagement and other traits that contribute to collaboration and high performance.
  • Work with consumer lending and small business lending staff to assess risk of new credit requests and develop strategies to mitigate identified risk.
  • Package and present consumer and small business loan requests.
  • Support branch staff in preparing all real estate documents including preliminary and closing documents.
  • Provide general administrative support for the AVP of Consumer Lending.
  • Adhere to departmental policies and procedures. Provide recommendations to manager on suggested updates. Secondary Functions
    • Perform general administrative duties such as attending meetings, report production, etc.
    • Assist with special projects as requested/assigned
    • Assist loan operations department with review of new loan files and tracking of all documentation exceptions
    • Assist loan operations with filing and maintenance of all loan files
    • Assist as needed in securing follow-up information and addressing post-closing issues to ensure that all consumer loan documentation is received and filed appropriately Competencies/Skills
      • Strong computer skills, especially with financial spreadsheets and word processing
      • Ability to read and interpret documents, write routine reports and correspondence
      • Ability to speak effectively before groups of customers and employees of the organization
      • Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals
      • Ability to compute rate, ratio, percent, and interpret data
      • Ability to apply commonsense understanding to carry out detailed written or oral instructions
      • Ability to deal with problems involving a few concrete variables in standardized situations
      • Ability to evaluate creditworthiness from multiple structured and unstructured variables
      • Strong attention to detail, problem-solving skills, and ability to prioritize work to meet numerous levels of deadlines Desired Qualifications
        • Bachelor's Degree in relevant field; business and/or graduate degree preferred
        • Some prior credit analysis and underwriting experience desired
        • Demonstrated strength in credit analysis, financial analysis, and communication skills (written and verbal) Physical Demands
          • Employee is regularly required to sit, stand and walk
          • Employee will use hands to finger, handle or feel, reach with hands and arms, and talk or hear
          • Employee must regularly lift and/or move up to 10 pounds and frequently lift and/or move up to 25 pounds
          • Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Work Environment
            • Employee spends the majority of time in office environment, generally accessible to the public, customers, and potential customers
            • Noise level in the work environment is usually moderate
            • Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Keywords: Hope Credit Union / Hope Enterprises, Jackson , Consumer Credit Analyst, Professions , Jackson, Mississippi

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