Consumer Lending Analyst

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Jackson, TN, US

6 days ago Requisition

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.

As a team member of Leaders Credit Union, you would be asked to adhere to a specific set of core values. These values should govern all decisions that are made when serving our members’ needs. These values are:

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

Leaders Credit Union has been ranked one of the Best Credit Unions to Work for five years in a row. So, what makes Leaders such a great place to work?

• 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).

• Within your Underwriting function, you would be responsible for reviewing and evaluating loan documents from our branch network. Working to ensure that all loans are decisioned in accordance with the Credit Union lending policies.
• Reviewing and evaluating loan documents to ensure loan conditions meet credit union standards for indirect direct lending. Evaluates the earnings and financial condition of applicants to make decisions to approve, counter, decline, or when needed, request additional information.
• Reviews the loan documents for completeness and accuracy. Records loan denials with supporting data used for declining.
• Maintains records of approved and denied applications, making notes for any denials or exceptions.
• Communicates directly with dealer partners as well as potential members in order to work through the approval process.

• In addition to day‑to‑day credit decisioning, this role serves as the team's go‑to expert and system administrator for our Loan Origination System. You will help safeguard the health, accuracy, and continuous improvement of the platform that powers our consumer lending…