Job: Consumer Loan Analyst

This posting has expired and is no longer available.

Jobing Description

Consumer Loan Analyst
Location: Consumer Lending Department / Denver, CO
Job Code: 176
# of Openings: 1
Hours: Monday - Friday 7:30am-5:30pm Saturday (rotating shift) 9:00am-1:00pm
Days: Monday, Tuesday, Wednesday, Thursday, Friday, Saturday
Pay Range: $39,700-$47,600

Description
The position combines the characteristics of job within the operation of the credit union. Responsible for examining, evaluating and approving credit applications from members for direct/indirect consumer loans and lines of credit. Meets service standards for turn-around time and decision delivery.





ESSENTIAL DUTIES AND RESPONSIBILITIES include the following.

  • Monitors loan queue. Analyzes credit worthiness including character, capacity, collateral, capital and economic conditions. Reviews credit bureau reports and credit score.
  • Verifies information included on loan application, as necessary.
  • Prepares miscellaneous statistical reports.
  • Assumes responsibility for effectively receiving, reviewing and processing direct/indirect consumer loan applications within assigned levels of authority in accordance with established credit union loan policy and federal and state regulations.
  • Receives and resolves member loan complaints and counsels member on resolving problems.
  • Documents loan decision and required provisions necessary to complete the loan.
  • May work closely with each branch/member representative as needed to ensure that loan decisions are in the best interest of the member and credit union.
  • Work closely with manager regarding any indirect loan application relating to misrepresentation or fraud.
  • Keeps manager informed of area activities and of any significant problems
  • Work closely with manager regarding any loan recommendations where policy exceptions or lending authority is outside of set limits.
  • Prepare correspondence/adverse action letters as required within credit union policy and federal regulations.
  • Maintains individual loan portfolio within profit/loss margin(s) as set by Senior Management.
  • Performs administrative and support tasks to complete the decisioning process when necessary.
  • Practice confidentiality and be able to work well under pressure.
  • Provides excellent service by demonstrating courtesy and personal concern for members and co-workers needs and follows-up to ensure those needs are met.
  • Adhere to all Federal and State laws and regulations applicable to the credit union, including the Bank Secrecy Act and OFAC.



CORCOMPETENCIES and SKILLS





MEMBER FOCUSED Creates trust by building relationships and actively discovers the right solutions for Members and peers; understands that the credit union exists as a result of Member trust and loyalty in the organization and employees; is passionate and dedicated to meeting the expectations and requirements of internal and external Members.



COOPERATION AND

TEAMWORK Relates well to all kinds of people; builds appropriate rapport; works harmoniously with others; uses and understands diplomacy and tact; encourages collaboration; seeks opinions; is candid with peers; values working relationships. Readily puts in extra effort to accomplish important tasks.





DECISION QUALITY Understands the Member’s best interest is first; demonstrates decisions which are based on creating the best possible outcome for the member; makes decisions based on a mixture of analysis, wisdom, experience, and judgment; most recommendations and decisions turn out to be correct and accurate when judged over time; is widely trusted and sought out by others for advice and solutions.



PROBLEM SOLVING Uses rigorous logic and methods to solve difficult problems with effective and innovative solutions; is resilient and will own the solution and the problem; can see hidden problems; is excellent at honest analysis; looks beyond the obvious and doesn’t stop at the first answers.



ACTION ORIENTED Pushes self and others to achieve the best possible results for the Member, organization and employees; proactively seeks out opportunities; raises hand, rather than waits to be asked; not fearful of acting with a minimum of planning; understands that it’s OK to make a mistake (fail forward).







ADAPTABLE Learns on the fly; is a relentless, versatile and active learners; open to change; can learn new skills and knowledge; analyzes both successes and failures for opportunities to improve; experiments and will attempt multiple ideas to find solutions; understands that different situations and levels may call for different skills and approaches; works to deploy strengths; works on compensating for weakness and limits.



EDUCATION and/or EXPERIENCE:

High school diploma or equivalent (GED), plus a minimum of two years lending (underwriting) experience with direct and indirect consumer loans within a financial institution






Locations

Arvada
8770 Wadsworth Blvd. Unit R
Arvada, CO 80003
Aurora
13732 E. Quincy Ave.
Aurora, CO 80015
Aurora Convenience Center
13732 E. Quincy Ave
Aurora, CO 80015
Bear Valley
3100 South Sheridan Unit 1F
Denver, CO 80227
Canon City
2149 Fremont Drive
Canon City, CO 81212
Central Denver
1390 Logan Street
Denver, CO 80203
Colorado Springs
3606 Austin Bluffs Parkway
Colorado Springs, CO 80918
Colorado Springs Branch
3606 Austin Bluffs Pkwy
Colorado Springs, CO 80918
Corporate Hdqtrs
1390 Logan St
Denver, CO 80203
Fort Collins
2510 E. Harmony Rd.
Fort Collins, CO 80526
Fort Collins Branch
2510 East Harmony Road
Fort Collins, CO 80528
Golden
1020 19th St
Golden, CO 80401
Golden Branch
1800 Jackson Street
Golden, CO 80401
Grand Junction
202 Main St
Grand Junction, CO 81501
Grand Junction
202 Main Street
Grand Junction, CO 81501
Greeley
2505 11th Avenue
Greeley, CO 80631
Lakewood
9140 West 6th Avenue
Denver, CO 80215
Member Services Contact Center
Inbound Contact/Call Center - 1390 Logan St
Denver, CO 80203
Parker
19311 E. Plaza Drive
Parker, CO 80138
Pueblo
1721 Highway 50 West
Pueblo, CO 81008
Pueblo
1721 U.S. 50
Pueblo, CO 81008
Southeast Denver
7541 East Iliff Avenue
Denver, CO 80231
Thornton
3907 E 120th Ave
Denver, CO 80233
Arvada
Aurora
Aurora Convenience Center
Bear Valley
Canon City
Central Denver
Colorado Springs
Colorado Springs Branch
Corporate Hdqtrs
Fort Collins
Fort Collins Branch
Golden
Golden Branch
Grand Junction
Grand Junction
Greeley
Lakewood
Member Services Contact Center
Parker
Pueblo
Pueblo
Southeast Denver
Thornton

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