Consumer Lending Analyst

About the Position: 

As a Consumer Lending Analyst, you will be responsible for consumer loan funding, document preparation, loan closing, booking, and post-closing title follow-up. You will also review and underwrite consumer loan applications within your assigned authority and established lending guidelines. This role requires you to exercise sound judgment, maintain strong attention to detail, and consistently comply with the Bank’s policies, procedures, and regulatory requirements.

What you Will Do: 

• Prepare and review consumer loan documents for accuracy, completeness, and compliance with bank and regulatory requirements.
• Complete loan closings and book funded loans accurately into the bank’s operating systems.
• Perform post-closing title and lien follow-up, document collection efforts, and escalate unresolved issues when necessary.
• Review consumer loan applications and supporting documentation for creditworthiness and compliance with underwriting guidelines.
• Analyze credit reports, income, debt obligations, collateral, and loan-to-value.
• Approve, decline, or recommend loan requests within assigned authority and escalate exceptions to the appropriate approval level.
• Document underwriting decisions, conditions, exceptions, and required stipulations.
• Communicate loan decisions and documentation requirements to dealers, customers, and internal partners.
• Provide professional service and maintain positive relationships with dealers, customers, and coworkers.
• Follow established controls and maintain appropriate separation of duties across underwriting, funding, booking, and post-closing activities.
• Assist with workload balancing across funding, title follow-up, and underwriting.
• Perform other duties as assigned.

What We’re Looking For: 

• A minimum of one year of front line or operational banking experience is required. A bachelor's degree will also be considered.
• High school diploma or equivalent required.
• Consumer lending experience, including experience with loan funding or underwriting, preferred.
• Knowledge of consumer credit, loan documentation, lending regulations, underwriting guidelines, and title and lien requirements preferred.
• Ability to review credit, income, debt, collateral, and loan-to-value information.
• Strong organizational skills and attention to detail.
• Strong written and verbal communication skills.
• Judgment to make decisions and ability to document decisions within assigned authority and to recognize when escalation is required.
• Proficiency with Microsoft Word, Excel, Outlook, and applicable lending systems.
• Ability to work independently and manage responsibilities across multiple lending functions.

Working Conditions / Demands:

• Professional office setting. 
• Primarily sedentary position requiring long periods of time working at a computer. 
• Must be able to move throughout the office and buildings to obtain or relay information. 
• Must be able to perform the essential functions of the position with or without reasonable accommodation

Who Are We? 

We’re not just another bank and we’re not looking for just another employee. Since 1999, First Internet Bank has been dedicated to finding a better way to bank and doing things that have never been done before. Yes, we really were the first state-charted, FDIC insured bank to operate entirely online and we have been leading the way ever since. 

We seek the game changers, the innovators…those who challenge the status quo because change really is the only constant. Ready to join a team of imaginative, driven individuals like you? It’s your career, you deserve to imagine more. Keep reading, we think you will like you what see.

Why Join Us?  

At First Internet Bank, our workplace is built around people. Guided by four core competencies- Collaborate to Win, Adapt with Agility, Decide for Impact, and Put People First- we’ve created an environment where individuals feel empowered, supported, and inspired to do their best work. This commitment to collaboration and growth has earned meaningful recognition, including being named a Top Workplace multiple times and one of the Best Banks to Work For. We’re proud of these honors because they reflect what matters most to us: our team.

This culture comes to life at our 175,000-square-foot headquarters in downtown Fishers, designed with our people in mind. Inside, you’ll find thoughtfully designed workspaces, an onsite fitness center and The Backyard, our 18,000-square-foot open-air deck with fire pits, covered pergolas, a waterfall, and plenty of greenery for stepping away and recharging. Add free snacks, soft drinks, beer on tap, unlimited volunteer time off, continuous education opportunities for development and regular team events, and you’ll find plenty of ways we support connection and a great workday.

Our benefits package includes the following and so much more:

• Medical, Dental, and Vision Insurance for Full-Time employees - Eligibility begins on day one of employment
• 401(k) Retirement Plan with Generous Match for Full-Time and Part-Time employees - Eligibility begins on day one of employment
• Professional Development Reimbursement
• At Least 3 Weeks Paid Vacation Annually - For New Employees, Paid Vacation is Adjusted Based on Start Date
• Eleven Paid Holidays
• Paid Volunteer Time
• Annual First Internet Bank-branded merchandise allowance

Equal Opportunity Employer - Women, Minorities, Veterans and Individuals with Disabilities

If you are a California resident, you may be entitled to certain rights regarding your personal information. Additional information about our data collection practices and location specific notices is available on our privacy policy. Click here to read more.

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c). Click here to read more.