Consumer Credit Analyst

Company Description

Since 1936 PenAir® Credit Union has been the catalyst where community, resources, and impact come together and produce a powerful force for good. We have a unique culture and we’re passionate about it. Grown from the values we hold most dear, three guiding principles shape how we see the people we serve, the community around us, and our role within it. These guiding principles are Respect, Service, and Communerosity® and they’re woven throughout our culture.

PenAir is where people and community, resources and expertise align with your values to create real impact. Generational impact through strong financial education and support. We care about the things you care about. As the largest and oldest credit union in Pensacola, Florida, with more than $2.5 billion in assets, our purpose is to enhance the lives of those we serve from Mobile County, Alabama to Leon County, Florida.

Careers
Do you have a passion for helping others?
Currently, PenAir provides access to 11 convenient locations in Baldwin County, AL and Escambia and Santa Rosa Counties in Florida. Join us and become a powerful force for good - after all we live, work, and play here too.

Join the team. You’ll fit right in.
Take control of your future by mapping out a career at PenAir. Working with us means you can shape your professional experience to suit your dreams. We offer valuable resources that provide you the opportunity to build upon and strengthen your skills. Whether it be a career path in advising our members directly on products and services, guiding them through major purchase decisions on a home or vehicle, or even helping build the technology and processes behind the scenes, there is a place for everyone at Pen Air! Success looks different for everyone. Where will your journey take you?

The PenAir difference.
Just like we strive to be a force for good at work, Pen Air works just as hard to supply employees with a total rewards package that includes competitive salaries and meaningful benefits.

Holistic Amenities:

• Up to $15K available for continuing education
• Student Loan Paydown
• Adoption Assistance Reimbursement
• Wellness Programs
• Gym membership reimbursement
• Formal Career Development Resources
• Financial Wellness Resources
• Purchase assistance with computers and fitness equipment.

Benefits Package Highlights:

• Generous PTO Plan—20 days for new hires
• Paid Maternal & Parental Leave
• Competitive Retirement Plan
• Competitive medical, dental & vision plans
• Company paid Telehealth services.
• Company paid Short Term Disability
• And more……….!

The starting pay for this role is $26.40-29.70 per hour.

About the role:

Analyzes consumer loan applications and provides credit decisions on all consumer loans, including secured and unsecured loans and lines of credit, credit cards, and direct and indirect auto loans. Analyzes all relevant data to make the appropriate loan decision. Manages the risk of credit decisions by requesting stipulations or modifying terms of a request to ensure compliance with lending policies, procedures, and risk appetite. Communicate credit decisions and inquiries to internal staff, dealer partners, or members when necessary.

Major Duties and Responsibilities:

• Analyzes consumer credit applications to determine the degree of risk involved in extending credit or lending money. Clearly communicates credit decisions to branches, members, or dealer partners.
• Assists employees, members, and dealer partners with questions regarding the credit union’s loan programs. Responsible for assisting in the resolution of loan related issues for internal partners, members, or dealerships. Provides superior customer service levels to members, internal partners and dealer partners.
• Maintains and upholds all compliance standards related to lending. This includes state and/or federal regulations, internal policies and/or procedures, and any other required actions to ensure compliance within our underwriting process.
• Identifies cross sell opportunities to expand member relationships. Communicate these opportunities to internal partners or members.
• Accepts and performs additional job-related duties as assigned.
• Performs other job-related duties as assigned

Minimum Qualifications:

• Experience: Three years to five years of similar or related experience.
• Education/Certifications/Licenses: High School Diploma. Two-year college degree or relevant certifications preferred.
• Interpersonal Skills: A significant level of trust, credibility and diplomacy is required. In-depth dialogue, conversations and explanations with customers, direct and indirect reports and outside vendors can be of a sensitive and/or highly confidential nature. Communications may involve motivating, influencing, educating and/or advising others on matters of significance. Typically includes subject matter experts as well as first level to middle managers.
• Other Skills: Ability to develop an opinion based on factual analysis and deliver a written and verbal opinion under stress. Excellent technical, analytical, numerical, interpersonal, communication, problem-solving and teamworking skills are also essential.

This Job Description is not a complete statement of all duties and responsibilities comprising the position.