Overview
This Credit Analyst I role builds and maintains relationships with dealers by processing credit applications, answering questions, and providing strong customer service. The position collaborates across departments to help achieve volume and quality goals while developing underwriting skills to earn higher levels of decision authority.
Responsibilities
- Process new loan applications.
- Gather data to determine and evaluate credit risk.
- Underwrite applications in adherence with company policies and procedures.
- Communicate with dealers to answer questions, resolve issues, and provide information.
- Work with management to develop underwriting skills and achieve higher levels of decision authority.
- Maintain up-to-date knowledge of current compliance and lending regulations.
- Support understanding of company stipulation policy and assist with stipulation review on an as-needed basis.
- Maintain existing business and develop new business by building strong dealer relationships.
- Perform other duties as assigned by management.
- Must be able to come to work promptly and regularly.
- Must be able to take direction and work well with others.
- Must be able to work under the stress of deadlines.
- Must be able to concentrate and perform accurately.
- Must be able to react to change productively.
Minimum Qualifications
- Bachelor’s degree in business, finance, communication, marketing or related field OR 2 years’ experience in underwriting or lending.
- Professional phone presence and excellent verbal and written communication skills.
- Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations.
- Ability to write reports, business correspondence, and procedure manuals.
- Knowledge of Microsoft Office (Word, Excel, PowerPoint, Outlook, and Internet Explorer).
Compensation & Benefits
- Pay Range: USD $21.00 - USD $22.00 /Hr.
- Day-one Health Benefits (medical, dental, vision, and flexible spending options like HSA or FSA accounts).
- 401(k) with company match enrollment on day-one.
- Paid, Sick and Volunteer Time Off
- Paid Parental Leave Options
- Employer Paid Life and Disability
- Wellbeing on Demand Program
- Flexible Work Environment with a casual dress code
- Employment status (full-time or part-time) may affect eligibility for certain benefits. Some benefits become available only after a specified period of employment.
Location
Office environment with significant time spent sitting, typing, and talking on the telephone.
Remote positions require the employee to reside in one of the following states to be considered: AL, AR, AZ, CO, FL, GA, IL, IN, KY, LA, MD, MI, MN, MO, MS, NC, NJ, NV, NY, OH, OK, OR, SC, TN, TX, UT, VA, WA, and WI.
Equal Employment Opportunity
The employer provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.