Consumer Lending Analyst

About Leaders Credit Union

Leaders Credit Union is a member-owned financial cooperative dedicated to serving the needs of its account holders. As one of the largest and most stable credit unions in West Tennessee, our purpose is to provide a sound, convenient alternative to traditional banking. Our core values—Member Focused, Team Oriented, Community Minded, Forward Thinker, and Trusted Partner—guide every decision we make to support our members' financial well-being.

Why Leaders?

• Great benefits: Competitive packages including healthcare, vacation and sick time, 401k options, and a profit-sharing plan.
• Work with a mission: Our mission, "Power your passion and make lives better," is actively lived out by all team members, from member-facing roles to back-office support.
• Extensive training: Comprehensive onboarding and ongoing monthly classes on topics like mortgage products and conflict resolution to ensure your success.
• Room for growth: Opportunities for personal and professional development, with a focus on promoting from within as we continue to grow.

About The Role

Leaders Credit Union is hiring a Consumer Lending Analyst to join our Lending team. This role combines underwriting responsibilities with system administration for our Loan Origination System (LOS). You will decision consumer loan applications within your delegated authority and work to continuously improve the LOS platform.

Responsibilities

Underwriting

• Review and evaluate loan documents from our branch network to ensure compliance with credit union lending policies.
• Assess loan conditions for indirect and direct lending, evaluating applicants' earnings and financial condition to approve, counter, decline, or request additional information.
• Verify loan documents for completeness and accuracy, recording denials with supporting data.
• Maintain records of approved and denied applications, documenting denials or exceptions.
• Communicate directly with dealer partners and potential members to facilitate the approval process.

Loan Origination System (LOS) Administration

• Serve as the system administrator for the LOS, handling day-to-day maintenance, user access, permissions, workflow and queue configuration, template management, and resolving system issues in collaboration with IT and the LOS vendor.
• Stay updated on all releases, enhancements, and product updates by reviewing release notes, attending vendor webinars and user groups, testing new functionality in the sandbox, and translating updates into actionable recommendations for the Director of Consumer Lending.
• Maintain and refine automated decisioning logic, including decision rules, score cuts, stipulations, cross-sell offers, and third-party integrations.
• Recommend improvements to underwriting criteria, lending policy execution, and overall loan workflow using data, peer benchmarks, and frontline insights.
• Lead User Acceptance Testing (UAT) and change management for system enhancements, integrations, and new product rollouts, including testing, communication, and post-launch monitoring.
• Act as the escalation point for LOS questions from underwriters, processors, and branch staff, and serve as the internal subject-matter expert when working with LOS support and vendor partners.

Schedule

This position operates Monday through Friday from 8:00 AM to 5:00 PM, with occasional Saturdays from 9:00 AM to 1:00 PM to meet the needs of our membership.

Requirements

• 3 to 5 years of similar or related experience.
• A bachelor’s degree in business, accounting, economics, or a related field.
• Previous experience as a Consumer Lending Underwriter preferred.
• Hands-on experience with a Loan Origination System (LOS) is strongly preferred; prior system administrator, configuration, or "power user" experience is a significant plus.
• Comfort with data and reporting tools is preferred.
• A process-improvement mindset—ability to identify workflow friction and proactively propose solutions.
• Proficiency in Microsoft Suite (Excel, Outlook, Word, etc.).
• Strong communication skills, with the ability to explain decisions and reasoning clearly.
• Must maintain a professional, courteous, and friendly demeanor with members and co-workers.
• Working knowledge of the credit union’s loan standards and governmental regulations.

Benefits

• Healthcare coverage.
• Vacation and sick time.
• 401k options.
• Profit-sharing plan.