Credit Analyst

Credit AnalystThe 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.ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.Loan DecisioningReview 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 ReviewConduct 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 SolutionsIdentify 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 CollaborationWork 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 ManagementAccurately 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 ManagementAdhere 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 regulationsSpecific 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 detailMust have the ability to multitask, prioritize, and adapt to a constantly changing environmentStrong desire to learn in a fast-paced environmentMust be a TEAM player and be able to help and rely on othersEducation and Experience:High School diploma or equivalency and at least three (3) years Credit Union experience, automotive industry, F&I and/or sales experience. Stable career with previous employers. Must be customer oriented, self-motivated team player with effective communication skills. Must be computer literate and able to type a minimum of 30 wpm. Work experience with or in car dealerships a plus. Bilingual candidates (Spanish/English) are beneficial. Experience in a consumer lending role, or other sales-related experience. Must have a proven track-record of setting and meeting/exceeding personal and departmental goals.Physical Activities and Requirements of this Position:CATEGORYDESCRIPTIONFinger DexterityUsing primarily just the fingers to make small movements such as typing, picking up small objects, or pinching fingers together.GraspingUsing fingers and palm on an object.TalkingEspecially where one must frequently convey detailed or important instructions or ideas accurately, loudly, or quickly.Repetitive MotionsMovements frequently and regularly required using the wrists, hands, and/or fingers.Average HearingAble to hear average or normal conversations and receive ordinary information.Average Visual AbilitiesAverage, ordinary, visual acuity necessary to prepare or inspect documents or products or operate machinery.Sedentary WorkWhile performing the duties of this job, the employee will frequently talk or hear, sit, use hands to handle or feel, and reach with hands or arms. The employee will occasionally stand and walk, climb or balance, and stoup, kneel, crouch, or crawl. The employee will occasionally lift and move up to 10 pounds.Working Conditions of this Position:DESCRIPTIONNone. No hazardous or significantly unpleasant conditions.Mental Activities and Requirements of this Position:Reasoning Ability: The ability to use common sense or logic.DetailedAbility to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.Mathematical Ability: The level of ability required to perform math skills and operations.BasicAbility to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.Language Ability: The level of ability required to communicate and understand written and oral language.TypicalAbility to use passive vocabulary of 7,000-9,000 words; read at a fast-paced rate; and define unfamiliar words in dictionaries for meaning, spelling, and pronunciation. Ability to write moderate to complex documents. Ability to communicate in complex sentences, using normal word order with present and past tenses and strong vocabulary. Ability to read, analyze, and interpret common scientific and technical journals, financial reports, and legal documents. Ability to respond to common inquiries or complaints from customers, regulatory agencies, or members of the business community. Ability to write speeches and articles for publication that conform to prescribed style and format. Ability to effectively present information to top management, public groups, and/or boards of directors.Compliance requirementThe responsibilities contained within this job