Credit Analyst

4 weeks ago


San Antonio, United States Soarion Credit Union Full time
Job DescriptionJob Description

JOIN SOARION in 2024

Joining Soarion Credit Union is the career move to make in 2024 Soarion Credit Union offers FREE Health and Dental Coverage for you as an employee, as well as a GENEROUS Paid Time Off (PTO) bank for rest and relaxation away from work We also offer all paid days off for Federal holidays

Role:

Our Credit Analyst provides credit decisions on all consumer loans, including secured and unsecured loans and lines of credit, credit cards, direct and indirect auto loans, and home equity loan products. Reviews all relevant data in order to make loan decisions. Analyzes and decisions all consumer loan applications submitted via financial center, internet, direct lending and indirect lending channels.

What you will be doing:

  • Analyzes consumer credit applications to determine the degree of risk involved in extending credit or lending money. Clearly communicates credit decisions to financial centers, members, or dealer partners.
  • Provides prompt and accurate service to all members, organizational employees and indirect dealer partners by processing, decisioning and communicating loan decisions within an average of 15 minutes.
  • Ensures compliance with legal requirements, lending regulations and internal policies and procedures. Achieve a minimum QA rating above designated monthly goals. Completes and passes all required compliance courses on an annual basis.
  • Maintains a 60-day delinquency rate at or below designated goal for employee’s loan portfolio.
  • Maintain a charge-off rate less than the designated goal for employee’s loan portfolio.
  • Identifies cross-sell opportunities and communicates recommended products to members and/or internal partners.
  • Provides superior customer service levels to members, internal partners, and dealer partners.
  • Responsible for assisting in the resolution of loan related issues for internal partners, members, or dealer partners.
  • Remains informed of current trends and regulations in consumer lending.
  • Participates in sales development activities.
  • Accepts and performs additional job-related duties as assigned.

What you'll bring along:

  • (1) A two-year college degree, or (2) completion of a specialized certification or licensing, or (3) completion of specialized training courses conducted by vendors, or (4) job-specific skills acquired through an apprenticeship program.
  • 3-5 Years of experience in Lending.
  • Experience working with Microsoft Excel.
  • Experience working with MeridianLink preferred.
  • Experience working with Symitar preferred.

We are Committed to Equal Opportunity.

Soarion Credit Union believes in equal opportunity for all and is committed to ensuring all individuals have an opportunity to apply for the positions that they are interested in and qualify for without regard to race, religion, ethnicity, national origin, citizenship, gender, gender identity, sexual orientation, age, veteran status, disability, genetic information, or any other protected characteristic. Our equal employment opportunity policy statement, pay transparency nondiscrimination agreement, and the Know Your Rights: Workplace Discrimination is Illegal Poster reaffirm this commitment.

Soarion Credit Union is also committed to providing reasonable accommodations to qualified individuals with a disability so that an individual can perform job-related duties. If you are interested in applying for an employment opportunity and require special assistance or an accommodation to apply due to a disability, please contact our Human Resources team at HumanResources@soarion.org.



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