Dealer Services Ops - UW - Consumer Credit Analyst II (Remote in California)

Posted Tuesday, August 18, 2026 at 5:00 AM Our headquarters in Sacramento contains the core functions that support our mission to deliver financial solutions with value, convenience and exceptional service to our members.

JOB TITLE

Consumer Credit Analyst II

DEPARTMENT

Dealer Services Ops

STATUS

Non-Exempt

JOB CODE

1812

PAY SCALE

$30.76 - $33.00 Hourly

LOCATION

This role is Remote in California only.

GENERAL DESCRIPTION

Consumer Credit Analyst II - NLA is responsible for reviewing, analyzing and evaluating simple to complex secured and unsecured consumer loan applications and based on their judgment approve, modify or deny consistent with credit union guidelines. Consumer Credit Analyst II - NLA must clearly document and communicate the reasoning for the decision. Maintain and strengthen relationships with members, and internal and external originators. Maintain a thorough understanding of the credit union’s underwriting standards, risk philosophy, credit culture and market conditions.

TASKS, DUTIES, FUNCTIONS

* Review, analyze, and evaluate loan applications based on established credit union policies and apply knowledge of underwriting procedures loan authority to approve counter or deny consumer loan applications by:

• Evaluating and ensuring that the transaction is accurate, complete and compliant.
• Reviewing required documentation for accuracy and truthfulness.
• Applying fraud detection and prevention techniques.
• Performing paystub and basic tax return analysis to determine ability to repay.
• Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance- including bank secrecy, anti-money laundering, Fair Lending and Truth in lending laws appropriate to the position.

* Review credit reports and intemperate the data along with the analysis of key lending ratios to determine capacity, credit utilization, and Loan to V