Credit Analyst

We're proud to be named one of USA TODAY's Top Workplaces, and we've earned the Best and Brightest Companies to Work For award for 8 years straight. Founded in 1937, Advancial is one of the oldest credit unions in the country. Our mission is to create lasting value for our members through superior service, quality products, and innovative solutions.

At Advancial, we don't just work hard - we play hard, too. We're a team that thrives on passion and collaboration, where every day feels like a chance to make a difference. Our culture is built on positivity, creativity, and the belief that work should be fulfilling, not just a "day job."

Credit Analyst: Reviews, evaluates, and decisions loan applications from both direct and indirect channels. Direct products include auto loans, credit cards, personal lines of credit, RV loans, signature term loans, and home equity products. Indirect applications include auto and recreational loans. Requires strong service orientation and excellent communication skills.

What You'll Do:

• Reviews and evaluates loan applications from direct and indirect channels, using appropriate tools to mitigate risk.
• Analyzes credit data, financial statements, and property valuations to determine creditworthiness and lending risk.
• Ensures all application data is complete and accurate in the loan origination system.
• Makes loan decisions within authorized limits and manages the performance of an assigned loan portfolio.
• Communicates with Dealers and Representatives regarding decisions and exceptions.
• Maintains strong knowledge of lending policies, procedures, Credit Union loan products, and peripheral products (e.g., Credit Life/Disability, GAP, Vehicle Service Contracts).
• Uses the loan origination system to generate and review financial ratios.
• Provides credit-related consultation to internal departments.
• Protects the confidentiality and security of member information.
• Recommends policy and procedure changes to management.

Requirements

Bachelor's degree from four-year College or University; and three years related experience; or equivalent combination of education and experience.

This position is hybrid at our Dallas Corporate location. Compensation $30-38 an hour depending on qualifications.

Ready to Join a Winning Team?

Advancial isn't just about business - it's about building careers, communities, and futures. If you want to work somewhere that supports your growth, values your time, and recognizes your impact, you've found the right place.

Benefits

What We Offer:

Of course we provide healthcare, life insurance, and 401K benefits, but here is what else we offer:

• Take Time for Life: In addition to 11 company holidays, you start with 3 weeks of vacation, and can recharge at our beautiful vacation homes in Destin, FL, and Breckenridge, CO - free for you and your loved ones (you just pay taxes).
• Retire with Confidence: We contribute to your 401k. It's our way of helping you build the future you deserve.
• Pets Are Family Too: With affordable pet insurance (we even chip in), your furry friends are covered for everything from checkups to surgeries.
• Invest in Your Future: We'll cover 80% of your tuition costs after one year, so you can continue to grow, learn, and achieve your goals.
• Life Happens: Our Advancial Life Rewards program reimburses you up to $1,000 each year for unexpected expenses - because we know life doesn't always go according to plan.