Credit Analyst II – Indirect Lending, Auto

This is a fully remote position, open to applicants in Arizona, +8 more locations.

📋 Description

• Review and oversee transactions submitted for underwriting, processing, negotiation, and recording of indirect auto loan and lease originations.

• Establish and nurture customer service relationships with credit union and dealer partners.

• Negotiate suitable loan terms between credit unions and dealerships.

• Examine loan applications and make decisions in accordance with underwriting criteria and approval limits.

• Collect and evaluate credit bureaus, DTI, LTV, PTI, dealer risk, and relationship data to assess application risk.

• Implement decisions across multiple loan origination systems and document the rationale behind those decisions.

• Assist with loan rehashes in line with lending and exception guidelines.

• Follow up on approved applications to enhance the funding ratio.

• Reach out to members and dealers to gather any missing items, stipulations, and required documentation.

• Document and monitor the results of inbound and outbound calls.

• Send completed loan packages to credit unions for final funding.

• Enhance overall capture percentages in targeted markets.

• Monitor applications and contracts from specific dealerships.

• Supervise dealer productivity and aid dealers in improving their look-to-book ratios.

• Contribute towards turnaround time and loan volume objectives.

• Engage in fraud detection, processing of fraud tools, and onboarding new clients.

• Support process enhancements and test new software along with software releases.

• Assist operations including processing, funding, compliance, call center, and special projects.

• Uphold service-level agreements and coverage from 7:00 am to 9:00 pm MST, seven days a week.

• Promote teamwork and exemplify the culture and values of Origence Lending Services.

⛳️ Requirements

• High school diploma or equivalent is required.

• Four to six years of underwriting experience in a consumer lending/underwriting setting within a financial institution.

• General understanding of financial industry policies and operations.

• Familiarity with financial institution operations, regulatory compliance, point of purchase, or indirect auto lending or leasing is preferred.

• Prior experience in processing/funding is preferred.

• Experience with L360, Meridian Link, or Ideal is preferred.

• Exceptional internal and external customer service skills.

• Strong oral and written communication and analytical abilities.

• Capacity to work independently with a high degree of initiative.

• Ability to interact with credit union and dealership management.

• Skills in organizing, prioritizing work, meeting deadlines, and achieving established goals.

• Capability to thrive in a fast-paced environment and provide quick, efficient loan turnaround decisions.

• Proficient in Microsoft Word, Excel, and PowerPoint.

• Flexible availability to work varied schedules from 7:00 am to 9:00 pm MST, seven days a week.

• Specialized problem-solving and troubleshooting skills.

• Must be a team player.

• Residency in Colorado, Arizona, Texas, Washington, Georgia, Wyoming, Illinois, Florida, or Hawaii is required.

🏝️ Benefits

• 401(k) with an 8% Company Match.

• Flexible Work Environment.

• Competitive Paid Time Off.

• Tuition Reimbursement & Education Benefits.

• Comprehensive Health & Wellness Benefits.

• Microsoft Copilot and AI-Enabled Tools.

• Continuous Learning & Development Opportunities.

• Employee-driven programs, company events, holiday celebrations, monthly town halls, quarterly company meetings, and team traditions.

• Quarterly bonus opportunity.

• Eligible positions may participate in the annual bonus program.