Credit Analyst at Advancial reviewing and evaluating loan applications from various channels. Responsible for analyzing credit data and making loan decisions based on risk assessment.
Responsibilities
Reviews and evaluates loan applications from direct and indirect channels, using appropriate tools to mitigate risk.
Analyzes credit data, financial statements, and property valuations to determine creditworthiness and lending risk.
Ensures all application data is complete and accurate in the loan origination system.
Makes loan decisions within authorized limits and manages the performance of an assigned loan portfolio.
Communicates with Dealers and Representatives regarding decisions and exceptions.
Maintains strong knowledge of lending policies, procedures, Credit Union loan products, and peripheral products (e.g., Credit Life/Disability, GAP, Vehicle Service Contracts).
Uses the loan origination system to generate and review financial ratios.
Provides credit-related consultation to internal departments.
Protects the confidentiality and security of member information.
Recommends policy and procedure changes to management.
Requirements
Bachelor's degree from four-year College or University; and three years related experience; or equivalent combination of education and experience.
Benefits
Take Time for Life: In addition to 11 company holidays, you start with 3 weeks of vacation, and can recharge at our beautiful vacation homes in Destin, FL, and Breckenridge, CO – free for you and your loved ones (you just pay taxes).
Retire with Confidence: We contribute to your 401k. It’s our way of helping you build the future you deserve.
Pets Are Family Too: With affordable pet insurance (we even chip in), your furry friends are covered for everything from checkups to surgeries.
Invest in Your Future: We’ll cover 80% of your tuition costs after one year, so you can continue to grow, learn, and achieve your goals.
Life Happens: Our Advancial Life Rewards program reimburses you up to $1,000 each year for unexpected expenses – because we know life doesn’t always go according to plan.
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