Discover and apply for Senior Credit Consumer Auditor jobs, a pivotal senior-level role within the financial services and banking industry. Professionals in this career act as essential guardians of financial integrity and consumer protection, specializing in the audit of consumer credit portfolios. This includes credit cards, personal loans, mortgages, and auto financing. Their core mission is to independently evaluate the effectiveness of risk management, control, and governance processes surrounding the lending lifecycle, ensuring regulatory compliance and safeguarding both the institution and its customers. A Senior Credit Consumer Auditor typically leads or executes complex audit engagements from planning to reporting. Common responsibilities involve developing risk-based audit programs, testing the design and operating effectiveness of internal controls, and analyzing large datasets of credit transactions to identify anomalies or control weaknesses. They assess compliance with key regulations like fair lending laws, truth in lending acts, and loss allowance standards (e.g., CECL). A critical part of the role is drafting comprehensive audit reports that clearly articulate findings, root causes, and practical recommendations to senior management, requiring strong negotiation skills to agree on actionable remediation plans. These professionals also contribute to continuous monitoring of emerging risks in the consumer credit space and often mentor junior auditors. To excel in Senior Credit Consumer Auditor jobs, individuals generally need 5-8 years of progressive experience in internal or external auditing, preferably within financial services. A bachelor’s degree in accounting, finance, or a related field is standard, with professional certifications like CIA (Certified Internal Auditor), CPA, or CISA being highly valued. The role demands deep subject matter expertise in consumer credit products, underwriting standards, account management, and collections practices. Technical proficiency is crucial, including advanced skills in data analysis tools (e.g., SQL, SAS, ACL, Excel) and an understanding of audit software. Essential soft skills include impeccable analytical and detail-oriented thinking, effective project management, and superior verbal and written communication to influence stakeholders. The ability to work independently with minimal supervision, exercise professional skepticism, and maintain unbiased judgment is paramount. This career path offers a challenging and rewarding opportunity for those passionate about financial risk, control, and consumer protection. Senior Credit Consumer Auditor jobs are critical for maintaining trust in the financial system and require a unique blend of technical accounting knowledge, regulatory insight, and sharp analytical abilities. Explore opportunities in this vital field to advance your expertise in auditing and risk management.
