Credit Analyst

Position Purpose and Objectives

The Credit Analyst plays a critical role in evaluating and making decisions on consumer loans, home equity lines of credit (HELOC), and lease applications received through multiple channels, including web, branch offices, and Fairlease consultants. Working in a fast‑paced environment, the Credit Analyst ensures accuracy and efficiency in reviewing applications, verifying income, and validating stipulations to support sound lending decisions. This position requires sharp analytical judgment, strong attention to detail, and a thorough knowledge of consumer lending programs.

By delivering consistent, high‑quality decisions, the Credit Analyst helps maintain a well‑managed portfolio while providing exceptional member service. In addition, the analyst supports and guides CUTX staff to ensure applications are complete, accurate, and given full consideration within established guidelines.

Major Duties and Essential Functions Loan Decisioning

• Review and evaluate applications for all consumer loan types, including auto loans, personal loans, HELOCs, credit cards, and lease financing.
• Apply sound judgment and established lending criteria to make timely credit decisions that balance risk management with member service.
• Ensure decisions are consistent with CUTX objectives and portfolio performance goals in a fast‑paced environment, while meeting acceptable response time standards to support efficiency and member satisfaction.

Stipulation & Verification Review

• Conduct thorough reviews of applicant documentation when necessary to verify income, employment, and other required stipulations.
• Confirm the accuracy and completeness of all information provided, identifying discrepancies or missing data that could impact approval.
• Maintain a high level of precision and efficiency to support quality lending outcomes and ensure applications are processed promptly.

Loan Structuring & Member Solutions

• Identify opportunities to structure loans in ways that meet member needs while remaining within CUTX guidelines.
• Explore alternative terms, collateral options, or repayment structures to make approvals possible without compromising compliance or portfolio quality.
• Provide thoughtful solutions that balance flexibility with sound underwriting practices.

Cross‑Team Collaboration

• Work closely with AFSs, branch staff, HELOC, and Fairlease consultants to resolve application issues and provide guidance on lending requirements.
• Communicate clearly and professionally to ensure applications are processed accurately and members receive exceptional service.
• Serve as a resource to colleagues by sharing expertise in consumer lending programs and approval guidelines.

Documentation & System Management

• Accurately record and maintain loan decisions, supporting documentation, and verification results within CUTX systems, to include ELA and Salesforce.
• Ensure all records are updated promptly to support efficient workflow management.
• Uphold standards of accuracy and confidentiality while managing multiple applications simultaneously.

Compliance & Risk Management

• Adhere strictly to regulatory requirements, internal policies, and lending guidelines to safeguard the integrity of the loan portfolio.
• Monitor applications for compliance with federal and state regulations as well as CUTX standards.
• Proactively identify and mitigate risks to ensure responsible lending practices and long‑term portfolio stability.
• Maintain a strong knowledge of Texas HELOC rules and regulations.

Positions directly supervised

N/A

Specific knowledge, skills, and abilities required for this position

• Solid understanding of consumer lending products and credit risk principles.
• Familiarity with income verification methods (e.g., pay stubs, tax returns, W-2s).
• Strong attention to detail and organizational skills.
• Ability to interpret credit reports and financial documents.
• Effective written and verbal communication skills.
• Proficiency in loan origination systems and Microsoft Office tools.
• Problem‑solving competence with a strong attention to detail.
• Must have the ability to multitask, prioritize, and adapt to a constantly changing environment.
• Strong desire to learn in a…