HOPE (Hope Enterprise Corporation, Hope Credit Union and Hope Policy Institute) provides financial services; leverages resources; and engages in advocacy that strengthens the financial health of people in under-resourced Deep South communities. Since 1994, these efforts have benefited more than three million people in Alabama, Arkansas, Louisiana, Mississippi and Tennessee, and influenced billions in persistent poverty communities across the nation. Learn more at https://www.hopecu.org.
Title: Consumer Credit Analyst
Department: Consumer Lending
Reports To: VP Consumer Lending
Supervises: N/A
Job Classification: Full-time, Exempt
Location: Jackson, MS
The Consumer Credit Analyst is responsible for timely risk analysis and packaging of new consumer and small business loan requests. The position will also provide portfolio review and analysis for assigned requests for the small business portfolio.
Responsibilities:
- Leads and supports Strengthening HOPE Initiative that values an organizational culture for open communication, innovation, associate engagement and other traits that contribute to collaboration and high performance.
- Work with consumer lending and small business lending staff to assess risk of new credit requests and develop strategies to mitigate identified risk.
- Package and present consumer and small business loan requests.
- Support branch staff in preparing all real estate documents including preliminary and closing documents.
- Adhere to departmental policies and procedures. Provide recommendations to manager on suggested updates.
- Assist loan operations with the review, maintenance, and post-closing documentation of loan files, including tracking exceptions and securing follow-up information.
- Provide general administrative support, including meeting participation, report preparation, and special projects.
- Other duties as assigned
Qualifications:
Required
- Demonstrated strength in credit analysis, financial analysis, and communication skills (written and verbal)
Preferred
- Bachelor’s Degree in relevant field; business and/or graduate degree preferred
- Some prior credit analysis and underwriting experience desired
Key Competencies & Skills:
- Strong computer skills, especially with financial spreadsheets and word processing
- Ability to read and interpret documents, write routine reports and correspondence
- Ability to speak effectively before groups of customers and employees of the organization
- Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals
- Ability to compute rate, ratio, percent, and interpret data
- Ability to apply common sense understanding to carry out detailed written or oral instructions
- Ability to deal with problems involving a few concrete variables in standardized situations
- Ability to evaluate creditworthiness from multiple structured and unstructured variables
- Strong attention to detail, problem-solving skills, and ability to prioritize work to meet numerous levels of deadlines
Work Environment:
- Employee spends the majority of time in office environment, generally accessible to the public, customers, and potential customers
- Noise level in the work environment is usually moderate
- Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Comprehensive Benefits Package:
- Paid Vacation and Sick Time
- 11 Paid Holidays
- 401(k) with Company Match
- Medical, Dental, and Vision Benefits
- Flexible Spending Account (FSA)
- Disability Benefits
- Life Insurance, Critical Illness, Accident
- Employee Assistance Program (EAP)
- Tuition Reimbursement, Professional Development
Hope Enterprise Corporation does not participate in or engage in any form of visa sponsorship, including employment-based visa applications or extensions (e.g., H-1B, TN, O-1, OPT, STEM OPT, etc.). Candidates must be legally authorized to work in the United States at the time of application and throughout the duration of employment.
We are an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.