Consumer Lending Loan Analyst I
Job Details
Experienced
Redstone II - Mountlake Terrace, WA
N/A
Full Time
High School
Undisclosed
Undisclosed
Day
Banking
Description

SUMMARY:  Responsible for all credit analysis, underwriting, and loan processing tasks for consumer loans submitted by dealers and branches.   

 

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following:

 

  • Promote positive attitude and provide exceptional customer service to customers and co-workers. Embraces 1SB Core Values and lead by example.
  • Review, assessing, and analyzing all aspects of consumer loan requests within the 1st Security Bank Consumer Lending Loan underwriting guidelines.
  • Communicate loan decisions to dealers and branches, resolves issues with individual loan files, answer questions about loan programs and lending in general, and in all cases seeks to best serve our customers.
  • Maintains an up-to-date knowledge of and adheres to the requirements related to policies, procedures, rules and regulations required for the position. 
  • Maintains average decision turn-around times to meet management, dealer, and branch expectations.
  • Reviews loan agreements, purchase orders, and other loan documents for accuracy and to identify exceptions to policy and guidelines. 
  • Ensures that all documentation standards and underwriting conditions have been met and noted.
  • Lending limits: up to $30,000 secured: $10000 unsecured
  • Assumes responsibility for other duties as required or assigned.
Qualifications

EDUCATION and/or EXPERIENCE

 

  • Associate’s degree or equivalent and strong analytical skills and demonstrated credit analysis proficiency including analysis of applicant financials, tax returns, etc.
  • Basic knowledge of all applicable Regulations that pertain to this position is required.
  • Knowledge of the Bank Secrecy Act and Anti-Money Laundering policies, procedures and related programs.
  • Must possess a valid Washington State driver’s license.

 

COMPUTER SKILLS

To perform this job successfully, an individual should be well-skilled in Microsoft Office Products, have 45+ WPM typing speed.

 

PHYSICAL DEMANDS AND WORK ENVIRONMENT

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.  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 employee will primarily operate in a general office environment, using office equipment such as a phone and a computer. 
  • The noise level in the work environment is usually quiet to moderate as compared to a private office with light foot traffic and office equipment.  The employee must be able and willing and able to interact frequently with the general public. 
  • On occasion, office hours will flex to meet increased demand.
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