Consumer Credit Analyst jobs in Fresno, CA
Consumer Credit Analyst reviews loan applications and related documentation to determine loan eligibility and terms. Analyzes financial information provided and collects additional documentation as necessary. Being a Consumer Credit Analyst provides loan options, terms, or other product recommendations based on qualifications. Assists customers through the loan process by researching and answering customer inquiries, clarifying details, and coordinating with internal parties. Additionally, Consumer Credit Analyst typically requires a bachelor's degree. Typically reports to a supervisor or manager. The Consumer Credit Analyst work is closely managed. Works on projects/matters of limited complexity in a support role. To be a Consumer Credit Analyst typically requires 0-2 years of related experience. (Copyright 2024 Salary.com)
Recently Added Consumer Credit Analyst jobs
Credit Analyst
- Access Plus Capital
-
Fresno, CA
FULL_TIME
-
SUPERVISORY RESPONSIBILITIES
None
SUMMARY
Under close supervision of the Senior Manager of Credit, the Credit Analyst is responsible for gathering required loan documents and analyzing credit information on borrower’s loan request to determine the viability before submitting to underwriting. Responsibilities include, but is not limited to pulling and reviewing credit and determining cash flow as it pertains to the credit policy. The Credit Analyst works closely with the Business Development team to field questions based on pre-credit analysis and/or underwriting needed to render a credit decision.
Access Plus Capital is a US Treasury-certified community development financial institution and Small Business Administration (SBA) Approved Microloan Intermediary Lender. It offers financing and training services to small businesses and entrepreneurs in central California. Since its inception in 2009, it has lent over $50 million to over 900 entrepreneurs helping them realize their dreams by starting and growing their small businesses. For more information, go to http://accesspluscapital.com.
Assist in the fulfillment of the agency’s vision, “For Those We Serve,” by empowering individuals to thrive as healthy, self-sufficient and contributing members of our communities.
DUTIES AND RESPONSIBILITIES/ESSENTIAL FUNCTIONS
Collects and reviews loan packages submitted by the Business Development team to ensure all required documents meet the required document checklist by lending product.
Pulls and analyzes personal credit reports.
Conducts pre-credit analysis by spreading and analyzing business and personal financial statements and/or tax returns to determine the creditworthiness of the small business borrower.
Identifies recurring and non-recurring sources of cash flow and the guarantor’s ability to service debt.
Responsible for staying up to date on various Federal and State Guarantee programs.
Builds rapport with the Business Development team and makes requests for any additional documents needed to move forward with the underwriting process.
Follows up with the client on missing documents.
Assist with the loan process to obtain any closing documents as needed.
Performs other duties as assigned.
QUALIFICATIONS
To execute this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
EDUCATION:
Bachelor’s degree in Business Administration, Finance, Accounting, Economics, or related field preferred.
EXPERIENCE:
Minimum of one (1) year of experience as a commercial credit analyst at a bank, economic development organization or a Community Development Financial Institution (CDFI) required.
OTHER QUALIFICATIONS:
Knowledge and the ability to understand various business and personal schedules related to tax returns.
Proficient in cash flow analysis and EBIDTA.
Proficient in Microsoft Office Suite (Excel, Word) and Adobe Acrobat.
Effective presentation, written and verbal communication skills.
Willing to work non-traditional hours and days to meet the needs of this position.
Detail oriented.
Displays problem-solving skills.
Demonstrated commitment to the work of community development and making a positive impact in the urban and rural business communities.
Experience with Sales Force, Portfol and Laser Pro documentation software preferred.
Proven ability to handle confidential information with discretion, be adaptable to various competing demands, and demonstrate the highest level of customer/client service and response.
Prior to employment must pass a criminal background investigation and credit history check. Must maintain criminal clearance and acceptable credit history during employment.
Maintain a valid California driver’s license, reliable transportation, adequate auto insurance as required by State law, and insurability by agency carrier for those driving agency vehicles.
PHYSICAL DEMANDS
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle, or feel; and talk or hear. The employee frequently is required to stand, walk, and reach with hands and arms. The employee is occasionally required to stoop, kneel, crouch, or crawl. The employee must regularly lift and/or move up to 10 pounds, frequently lift and/or move up to 25 pounds, and occasionally lift and/or move up to 50 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus.
WORK ENVIRONMENT
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is occasionally exposed to outside weather conditions. The noise level in the work environment is usually moderate.
Note: The statements herein are intended to describe the general nature and level of work being performed, but are not to be seen as a complete list of responsibilities, duties, and skills required. Also, they do not establish a contract for employment and are subject to change at the discretion of Access Plus Capital. - 9 Days Ago
Credit Analyst
- FFB Bank
-
Fresno, CA
FULL_TIME
- DescriptionWho We Are: FFB, a dynamic and acclaimed single-branch bank born in the heart of Fresno, CA in 2005, is on a mission to redefine the banking experience. Our commitment to delivering top-not...
- 1 Month Ago
Shipping Clerk
- Post Consumer Brands
-
Visalia, CA
FULL_TIME
- Business Unit OverviewHeadquartered in Lakeville, Minn., Post Consumer Brands, a business unit of Post Holdings, Inc., is dedicated to providing people and their pets with delicious food choices for e...
- Just Posted
Credit Intern
- FFB Bank
-
Fresno, CA
INTERN
- DescriptionWho We Are: FFB, a dynamic and acclaimed single-branch bank born in the heart of Fresno, CA in 2005, is on a mission to redefine the banking experience. Our commitment to delivering top-not...
- 25 Days Ago
Consumer Enrollment Associate
- Pioneer Executives
-
Fresno, CA
FULL_TIME
- Our Fresno-based team works closely with nationally recognized charities and NGOs to plan and administer aid with fundraising efforts in the local area. If you are looking for an opportunity to build ...
- 1 Month Ago
Consumer Safety Inspector
- USDA Food Safety and Inspection Service
-
Selma, CA
FULL_TIME
- Duties YOU WILL/MAY: Ensure that regulated establishments produce a safe product by executing appropriate inspection methods, determining non-compliance with regulatory requirements, documenting nonco...
- 1 Month Ago
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0 Consumer Credit Analyst jobs found in Fresno, CA area
US, AVP, Commercial Banking
- BMO Financial Group
-
Fresno, CA
- For nearly 80 years, BMO Commercial Bank has served the needs of the entire food continuum. We understand how each eleme...
- 4/25/2024 12:00:00 AM
Research Specialist II - Pediatrics - Rowitch Lab (Full-Time)
- Cedars-sinai
-
Fresno, CA
- Job Description Come join our team! Cedars-Sinai Pediatrics is seeking a dynamic Sr. Research Specialist to join as lead...
- 4/24/2024 12:00:00 AM
Research Associate I -Surgery Chair
- Cedars-sinai
-
Fresno, CA
- Job Description Are you ready to be a part of breakthrough research? Working under direct supervision, the Research Asso...
- 4/24/2024 12:00:00 AM
Postdoctoral Scientist - Sheyn Lab - Regenerative Medicine Institute
- Cedars-sinai
-
Fresno, CA
- Job Description Join Dr. Dmitriy Sheyn and his research group as a Postdoctoral Scientist in the Cedars-Sinai Regenerati...
- 4/24/2024 12:00:00 AM
Emerging Store Manager
- Walgreens
-
Fresno, CA
- Supervises customer service associates and designated hitters. Responsible for managing front end of the store and makin...
- 4/24/2024 12:00:00 AM
Project Scientist - Svendsen Lab - Regenerative Medicine Institute
- Cedars-sinai
-
Fresno, CA
- Job Description The Svendsen Lab at Cedars-Sinai Medical Center, Regenerative Medicine Institute is looking for a Projec...
- 4/24/2024 12:00:00 AM
Research Associate I - Svendsen Lab - Regenerative Medicine Institute
- Cedars-sinai
-
Fresno, CA
- Job Description Join Dr. Clive Svendsen and his research group as a Research Associate I in the Cedars-Sinai Regenerativ...
- 4/24/2024 12:00:00 AM
Postdoctoral Scientist - Pierson Lab - Regenerative Medicine Institute
- Cedars-sinai
-
Fresno, CA
- Job Description Join Dr. Tyler Pierson and his research group as a Postdoctoral Scientist in the Cedars-Sinai Regenerati...
- 4/24/2024 12:00:00 AM
About Fresno, California
Fresno (/ˈfrɛznoʊ/ FREZ-noh; Spanish for "ash tree") is a city in California, United States, and the county seat of Fresno County. It covers about 112 square miles (290 km2) in the center of the San Joaquin Valley, the southern portion of California's Central Valley.
Named for the abundant ash trees lining the San Joaquin River, Fresno was founded in 1872 as a railway station of the Central Pacific Railroad before it was incorporated in 1885. The city has since become an economic hub of Fresno County and the San Joaquin Valley, with much of the surrounding areas in the Metropolitan Fresno regi...
Source: Wikipedia (as of 04/11/2019). Read more from Wikipedia
Income Estimation for Consumer Credit Analyst jobs
$53,645 to $72,919
Fresno, California area prices
were up 2.7% from a year ago
were up 2.7% from a year ago
What does a Consumer Credit Analyst do?
Consumer Credit Analyst in Columbus, OH
It is helpful to consult a proven example such as the following consumer credit analyst resume sample.
February 20, 2020
Reading credit reports and piecing together the story of a person’s finances is imperative to being a good consumer credit analyst.
January 03, 2020
Consumer Credit Analyst in Philadelphia, PA
Because consumer financials are rarely cut and dried, credit analysts must be able to evaluate a large amount of information in a short period of time and provide an honest and objective appraisal of a person’s financial situation.
February 02, 2020
Consumer Credit Analyst in Spartanburg, SC
Prerequisite to this, consumer credit analysts must have a firm grasp on what constitutes a good risk and what constitutes a faulty one.
January 12, 2020