Consumer Lending Analyst

Thank you for taking the time to review our Consumer Lending Analyst position. At Leaders Credit Union, our mission is to “Power your passion and make lives better.” We are very intentional about the hiring and interview process, which means we take our time. We want to make sure that you find the perfect career path! We truly appreciate your interest in Leaders Credit Union.

We are a member‑owned financial cooperative. This means that we exist to serve the needs of the consumers who own accounts at Leaders Credit Union. They are owners, and their financial well‑being is at the heart of every decision we make. We are one of the largest credit unions in West Tennessee, and one of the most stable. Our purpose is simple: to provide a sound, convenient alternative to traditional banking.

• Member Focused
• Team Oriented
• Community Minded
• Forward Thinker
• Trusted Partner

• Great benefits! We offer healthcare, vacation time, sick time, 401k options, and a profit‑sharing plan (just to name a few!) Our Human Resources team is always looking to ensure that our benefit packages are competitive.
• Work with a mission! Our mission statement isn’t just something written on a billboard, we truly look to “power your passion and make lives better.” That mission is lived out by member‑facing personnel as well as our back‑office employees.
• Extensive training! We go to great lengths to make sure you know your job responsibilities and are comfortable through a very thorough training process. But our training goes beyond that. We offer monthly classes on everything from mortgage products to conflict resolution. We give you the tools you need to succeed.
• Room for growth! At Leaders, you are only limited by your own ambition. Being part of a quickly growing financial institution leaves room for personal growth, and we do our best to promote from within whenever possible.

Leaders Credit Union is hiring a Consumer Lending Analyst to join our Lending team. This is a role that will have you involved with both underwriting and being a system administrator for our Loan Origination System (LOS). From an underwriting perspective, you will spend time decisioning consumer loan applications within your delegated lending authority. The remainder of your time is dedicated to administering and continuously improving our Loan Origination System (LOS).

• Review and evaluate loan documents from our branch network, ensuring all loans are decisioned in accordance with the Credit Union lending policies.
• Evaluate the earnings and financial condition of applicants to make decisions to approve, counter, decline, or request additional information.
• Review loan documents for completeness and accuracy. Record loan denials with supporting data used for declining.
• Maintain records of approved and denied applications, making notes for any denials or exceptions.
• Communicate directly with dealer partners as well as potential members in order to work through the approval process.

• Serve as a system administrator for the LOS, including day‑to‑day maintenance, user access and permissions, workflow and queue configuration, template management, and resolution of system issues in partnership with IT and the LOS vendor.
• Stay ahead of all releases, enhancements, and product updates, reviewing release notes, attending vendor webinars and user groups, testing new functionality in our sandbox, and translating what's new into actionable recommendations for the Director of Consumer Lending.
• Maintain our automated decisioning logic and recommend refinements to decision rules, score cuts, stipulations, cross‑sell offers, and third‑party integrations.
• Recommend improvements to underwriting criteria, lending policy execution within the system, and overall loan workflow by bringing data, peer benchmarks, and frontline insight to inform final decisions.
• Lead User Acceptance Testing and change management for approved system enhancements, integrations, and new product rollouts including testing, communication, and…