Consumer Loan Analyst

The Consumer Loan Analyst is responsible for delivering consistent “Always1st” service to members and internal customers while analyzing, underwriting, and deciding consumer loan applications received through direct and indirect channels. The position evaluates creditworthiness, collateral, and repayment ability; establishes or recommends appropriate loan terms within assigned authority; and partners with loan officers, processors, and leadership to create responsible lending opportunities while managing risk and complying with applicable policies, procedures, and regulations.

The following duties are normal for this position and are not intended to be an exhaustive list. Other duties may be required and assigned.

• Review consumer loan applications thoroughly, including credit reports, income verification, employment history, collateral information, and supporting documentation.
• Analyze borrower financial data, including income, debts, assets, liabilities, credit history, debt-to-income ratio, payment capacity, and overall risk profile.
• Evaluate collateral for secured loans and determine whether collateral value, loan-to-value ratio, and supporting documentation appropriately protect the credit union.
• Verify information provided by applicants by contacting employers, financial institutions, dealers, and other appropriate sources as needed.
• Apply lending policies, underwriting guidelines, credit union procedures, and applicable federal and state regulations to each loan request.
• Approve, deny, or recommend loan decisions within assigned authority and based on complete, objective analysis.
• Recommend appropriate loan terms, including interest rates, repayment schedules, collateral requirements, and loan-to-value parameters.
• Communicate clearly and professionally with members and borrowers to clarify information, request additional documentation, explain loan decisions, and provide guidance on alternatives when appropriate.
• Collaborate with loan officers, processors, contact center staff, branch staff, dealers, and other stakeholders to support accurate, timely, and member-focused loan processing.
• Maintain complete, accurate, and confidential records of loan applications, decisions, documentation, and member communications in accordance with policy and retention requirements.
• Monitor loan performance, repayment activity, and early delinquency indicators; partner with appropriate teams to identify and address potential concerns.
• Support fraud prevention efforts by identifying inconsistencies, red flags, and potentially fraudulent loan activity.
• Maintain current knowledge of lending trends, underwriting practices, regulations, products, and best practices through ongoing training and professional development.
• Actively contribute to department goals, process improvements, team initiatives, and the overall success of the lending function.
• Promote credit union products and services that meet member needs and support responsible lending growth.

In partnership with the Consumer Loan Manager, this position supports the development and performance of contact center and branch loan officers by providing coaching, training, and guidance that strengthen lending knowledge, service quality, and risk-based decision-making.

• Coach and train contact center loan officers and branch loan officers on lending practices, loan structuring, documentation, and member service expectations.
• Encourage continuous improvement of processes, knowledge, service delivery, and lending outcomes.
• Recognize excellent performance and support team members in achieving department goals.
• Provide constructive coaching and documentation for performance…