Senior Credit Analyst
Senior Credit Analyst
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1 Vacancy
Job Description
Job Title: Senior Credit Analyst
Reports To: Credit Operations Manager
FLSA Status: Non-exempt
Department: Operations
JOB SUMMARY: Responsible for the underwriting and analysis of all loan requests reviewing analyzing approving and underwriting loans within company guidelines.
ESSENTIAL JOB FUNCTIONS:
- Process and underwrite loan applications through automated underwriting system which may include approving and funding following established policies and procedures.
- Maintain a culture of quality customer service at all points of contact with LendingPoint LLC customers.
- Analyze applicants financial status (i.e. financial statements tax returns. Etc.) and credit to determine feasibility of granting loans.
- Obtain and compile copies of loan applicants credit histories and other financial information in a timely manner.
- Enter customer and account data by inputting alphabetic and numeric information on keyboard or optical scanner according to screen format.
- Contact credit bureaus employers and other sources to confirm applicants credit and references
- Communicate with applicants to obtain information for loan applications and to answer questions about the process as needed.
- Request any additional information to complete the loan decision.
- Initiate calls to customers and provide detailed and accurate information.
- Contact sales and appropriate operations staff to discuss missing items or questions pertaining to the loan request and make sure all conditions are met.
- Perform quality control check of data to ensure information is correct.
- Ensure loan documents are accurate complete and compliant with company policies.
- Render application decisions and communicate the final decision to the appropriate sales staff.
- Handle the processing of more challenging accounts that require more experience.
- Provide test support on new underwriting tools and services which require feedback.
- Maintain customer confidence and protect operations by keeping information confidential.
OTHER JOB FUNCTIONS:
- Must be able to work weekends as needed.
- Flexible work hours based on staffing needs to adjust scheduled shifts accordingly.
- Manage workload independently
MINIMUM 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 minimum knowledge skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.
- High school diploma or equivalent required.
- 2-4 years experience in underwriting preferred.
- Salesforce experience preferred.
- Proficient in MS Office Suite.
- Familiar with CRM systems and practices.
COMPETENCIES:
- Customer Service: Displays courtesy and sensitivity; Manages difficult or emotional customer situations; Meets commitments; Responds promptly to customer needs.
- Analytical Skills: Tackle a problem by using a logical systematic sequential approach; Notices discrepancies and inconsistencies in available information; Carefully weighs the priority of things to be done.
- Communications: Exhibits good listening and comprehension; Expresses ideas and thoughts professionally in written and verbal form; Keeps others adequately informed; Selects and uses appropriate communication methods.
- Judgement and Decision-making Skills: Makes timely informed decisions that consider the facts goals constraints and risks.
- Organization Skills: Develops systems to organize workflow to ensure quality precision and timeliness of outputs.
- Thoroughness: Carefully reviews and ensures that ones own and others work and information are complete and accurate; Diligently attends to details and pursues quality in accomplishing tasks.
- Time Management Skills: Managing time effectively so that the right time is allocated to the right activity; Determining a timetable for achieving organizational goals; Establishing priorities; Meeting deadlines.
SUPERVISORY RESPONSIBILITY
None
PHYSICAL DEMANDS
While performing the duties of this job the employee is regularly required to stand walk reach and sit for a minimum of 8 hours with or without reasonable accommodation. The employee is required to use hands to finger handle or feel objects and/or tools. The employee is required to talk or hear with or without reasonable accommodation and must sometimes lift and move up to 10 pounds.
WORK ENVIRONMENT
While performing the logistics duties of this job the employee is frequently exposed to moderate noises such as computers printers and other light traffic noise in an office setting.
This role is in-office. Remote work may be performed from a pre-approved location as arranged and scheduled by team management and approved by department leadership.
OTHER DUTIES
Please note this job description is not designed to cover or contain a comprehensive listing of activities duties or responsibilities that are required of the employee for this job. Duties responsibilities and activities may change or be supplemented at any time with or without notice.
Required Experience:
Senior IC
Employment Type
Full-Time
