Consumer Credit Analyst jobs in Plano, TX

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)

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Senior Credit Analyst
  • Advancial Federal Credit Union
  • Dallas, TX FULL_TIME
  • Responsibilities

    SUMMARY

    Examines, evaluates, and approves or recommends approval of member applications for lines or extension of lines of credit, home equity, collection workouts, consumer credit loans, indirect loans, and credit card accounts. Provides guidance and training to other credit analysts, handles loan approvals that are above the limits of the other credit analysts, takes escalated rehash calls, and provides leadership and guidance.

     

    ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

     

    Reviews and decisions loan applications from both the direct and indirect channels.

     

    Analyzes credit data and financial statements to determine credit-worthiness and the degree of risk involved in extending credit or lending money; considers property valuation in decisioning as appropriate.

     

    Operates with a higher approval authority than other credit analysts and makes notes in applications that require this authority.

     

    Provides guidance and training on difficult or complicated loan requests

     

    Accountable for the performance of individual loan portfolio.

     

    Handles escalated dealer and branch rehash calls.

     

    Proactively reaches out to branch managers and dealer F&I managers to address issues, or concerns regarding discrepancies with application information as well as communication challenges from branch and dealer staff members. 

     

    Analyzes previously decisioned loan applications and makes suggestions to management for adjusting and improving lending procedures.  

     

    Reviews the portfolio performance spread sheet and analyzes the specific loan products, credit tiers, and specific dealers that are not performing up to standard.  Makes recommendations to Lending management to improve underwriting and overall efficiency of the lending process. 

     

     

    Provides consultant services on credit issues and quality to other departments.

     

    Assists in testing changes in lending system and host system programming.

     

    Maintains the security and confidentiality of pertinent information and records.

     

    Maintains a positive and caring atmosphere for members and employees consistent with the Credit Union's mission and philosophy.

     

    Responsible for maintaining a working knowledge of computer equipment and software required including Microsoft Word, Excel, etc.

    Qualifications

    QUALIFICATIONS 

    To perform 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 and/or EXPERIENCE

    Bachelor's degree from four-year College or University; and three (3) years related experience; or equivalent combination of education and experience.

     

    OTHER KNOWLEDGE SKILLS AND ABILITIES

    Working knowledge of computer equipment and software required including Microsoft Office Suite.  An understanding of state and federal laws.

     

    LANGUAGE SKILLS

    Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals.  Ability to write routine reports and correspondence.  Ability to speak effectively before customers or employees of organization

     

    MATHEMATICAL SKILLS

    Ability to compute rates, ratios, and percentages and to draw and interpret bar graphs.  Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, and percentages.  Ability to apply concepts of basic algebra and geometry.

     

    REASONING ABILITY

    Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

     

    CERTIFICATES, LICENSES, REGISTRATIONS

    None needed.

     

    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; reach with hands and arms; and talk or hear.  The employee is occasionally required to stand and walk.  The employee must regularly lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds.  Specific vision abilities required by this job include close vision, distance vision, 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.

     

    The noise level in the work environment is usually moderate.

     

    TRAVEL

    The travel demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Traveling requirements are minimal but may include traveling for additional training or seminars and local traveling between branches.

     

    Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

     

     

    WORK SCHEDULE

    Must be able to work flexible shifts whether it is 8:00 am to 5:00 pm, 9:00 am to 6:00 pm or 10:00 am to 7:00 pm. Monday through Friday and at least two Saturday’s per month. 

    Overview

    Founded in 1937, Advancial is one of the oldest and largest credit unions in the country. We are an established and proactive full-service financial institution providing personal, convenient and advanced financial services to individuals and select group partners. Our mission is to create lasting value for our members through superior service, quality products, and innovative solutions.

     

    At Advancial, we always strive to provide the best service and products to our members because we love what we do.  We work together to build a culture that promotes a positive employee experience.  We’ve been named a Best Company to Work for in Texas for nine consecutive years and a Best and Brightest Company to Work For nationally and locally because we’re serious about building fulfilling careers and not just day jobs.

     

    We invite you to learn more about this position and what Advancial has to offer by completing our online application. 

     

    Advancial Federal Credit Union is an Affirmative Action and Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, age, national origin, or protected veteran status and will not be discriminated against on the basis of disability. Equal Employment Opportunity PostersAdvancial Federal Credit Union participates in the Electronic Employment Verification process.  Please click here for more information.If you are an individual with a disability and would like to request a reasonable accommodation as part of the employment selection process, please complete the form below. If you’d like to view a copy of the company’s affirmative action plan, please complete this form.

  • 1 Month Ago

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Financial Examiner I
  • Texas Office of Consumer Credit Commissioner
  • Dallas, TX FULL_TIME
  • YOU MUST COMPLETE A STATE OF TEXAS JOB APPLICATION TO APPLY FOR THIS JOB. RESUMES IN LIEU OF AN OFFICIAL STATE OF TEXAS JOB APPLICATION ARE NOT SUFFICIENT. FOR MORE INFORMATION ON THIS JOB POSTING PLE...
  • 20 Days Ago

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Credit analyst
  • First Bank
  • Plano, TX FULL_TIME
  • Position Details As a Credit Analyst Mortgage Warehouse , you are responsible for efficient and effective credit and risk assessment under established First Bank guidelines. Strong detail towards fina...
  • Just Posted

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Credit Analyst
  • Harmony Bank
  • Dallas, TX FULL_TIME
  • Job Overview:We are seeking a highly skilled and detail-oriented Credit Analyst to join our team. As a Credit Analyst, you will be responsible for providing underwriting for the bank's credit requests...
  • Just Posted

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Credit Analyst
  • East West Bank
  • Dallas, TX FULL_TIME
  • Introduction Since 1973, East West Bank has served as a pathway to success. With over 120 locations across the U.S. and Asia, we are the premier financial bridge between the East and West. Our teams o...
  • 13 Days Ago

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Credit Analyst
  • One World Bank
  • Dallas, TX FULL_TIME
  • Job Summary:We are seeking a highly analytical and detail-oriented Credit Analyst to join our team. As a Credit Analyst, you will be responsible for assessing the creditworthiness of individuals and b...
  • 13 Days Ago

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0 Consumer Credit Analyst jobs found in Plano, TX area

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Senior Business Analyst - Digital Marketing
  • CornerStone Technology Talent Services
  • Addison, TX
  • CornerStone Technology Talent Services is seeking a skilled Senior Business Analyst to work on a hybrid set up in Addiso...
  • 3/28/2024 12:00:00 AM

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Python Developer
  • ITC Infotech
  • Richardson, TX
  • ROLE : Python developer Location: Richardson , TX -This role requires the candidate to be on premises during regular Bus...
  • 3/27/2024 12:00:00 AM

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Data Analyst (Remote)
  • Kalkomey Enterprises, LLC
  • Richardson, TX
  • Data Analyst About Kalkomey Kalkomey Enterprises is the trusted guide to outdoor success. Our platform connects millions...
  • 3/27/2024 12:00:00 AM

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Senior Data and Risk Analyst (Remote)
  • Careerbuilder
  • Addison, TX
  • Job Description Join us at iA American! Our Senior Data and Risk Analyst plays a key role in assisting the risk and unde...
  • 3/26/2024 12:00:00 AM

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Staff Engineer Infrastructure
  • Albertsons
  • Plano, TX
  • Job Description The ServiceNow Configuration Management Engineer is part of the Service Asset and Configuration Manageme...
  • 3/25/2024 12:00:00 AM

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Sr. Business Analyst (IT) - Manufacturing, Quality, and Maintenance
  • Ruiz Food Products
  • Frisco, TX
  • Ruiz Foods has been family owned since 1964, is one of the largest Hispanic-owned companies in the country and is the pr...
  • 3/25/2024 12:00:00 AM

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IT Business Analyst - Senior (US Citizen/Green Card Holder only)
  • CrowdPlat
  • Addison, TX
  • Overview: Seeking a Senior IT Business Analyst for our Global Digital Tools department, who is adept at leading the impl...
  • 3/24/2024 12:00:00 AM

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Sr. Business Analyst –Global Digital Tools
  • Paladin Consulting
  • Addison, TX
  • Job Title: Sr. Business Analyst –Global Digital Tools Work Location: Addison, TX Duration: 18 month contract Education/E...
  • 3/24/2024 12:00:00 AM

Plano (/ˈpleɪnoʊ/ PLAY-noh) is a city in the U.S. state of Texas, located approximately twenty miles (32.2 km) north of downtown Dallas. The city of Plano is a part of the Dallas-Fort Worth metropolitan area. Plano lies mostly within Collin County, but includes a small portion that extends into Denton County. The city's population was estimated at 286,143 in 2017, making it the ninth most populous city in the state of Texas and the 69th most populous in the United States. The city is a hub for many corporate headquarters. Plano was also considered to be the safest city in the nation by Forbes...
Source: Wikipedia (as of 04/11/2019). Read more from Wikipedia
Income Estimation for Consumer Credit Analyst jobs
$53,000 to $72,038
Plano, Texas area prices
were up 2.2% from a year ago

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