Credit Analyst II – Indirect Lending, Auto

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

📋 Description

• Assess and oversee transactions submitted for underwriting, processing, negotiating, and capturing indirect auto loan and lease originations.

• Establish relationships with credit union representatives and negotiate acceptable loan terms between credit unions and dealerships.

• Maintain regular communication with dealers and credit union partners to foster rapport and enhance their experience.

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

• Collect and analyze underwriting information, including credit reports, DTI, LTV, PTI, dealer risk, and relationship data, to evaluate application risk.

• Implement decisions across various loan origination systems and document the rationale behind each decision.

• Assist with loan rehashes following lending and exception guidelines.

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

• Reach out to members and/or dealers to gather missing items, stipulations, and documentation.

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

• Send finalized loan packages to the respective credit unions for ultimate funding.

• Enhance overall capture percentage in designated markets.

• Oversee applications and contracts from specific dealerships.

• Track dealer productivity and support dealers in boosting look-to-book ratios.

• Contribute to operational and departmental objectives, including turnaround times and loan volume.

• Engage in fraud detection techniques, daily fraud-tool processing, and onboarding of new clients.

• Support process enhancements and test new software and software updates.

• Assist Operations with processing and funding applications, compliance, call center duties, and special projects.

• Collaborate with the team and leadership to uphold service-level agreements and coverage from 7:00 am to 9:00 pm MST, seven days a week.

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

⛳️ Requirements

• Must reside in one of the following states: Colorado, Arizona, Texas, Washington, Georgia, Wyoming, Illinois, Florida, Hawaii.

• 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 operational procedures.

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

• Previous experience in processing/funding is preferred.

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

• Outstanding internal and external customer service skills.

• Excellent verbal and written communication as well as analytical skills.

• Capacity to work independently with a strong level of initiative.

• Ability to engage with credit union and dealership management to cultivate and advance business relationships.

• Proficient 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.

• Computer proficiency with Microsoft Office applications including Word, Excel, and PowerPoint.

• Flexible schedule; readiness to work a varied schedule from 7:00 am to 9:00 pm MST, seven days a week.

• Specialized problem-solving and troubleshooting abilities.

• Must be a team-oriented individual.

🏝️ 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.

• A culture of connection, celebration, and growth through employee-driven programs, company events, holiday celebrations (Star Wars Day), monthly town halls, quarterly company meetings, and team traditions such as Bring Your Kid to Work Day.

• Quarterly bonus opportunity.

• Eligible positions may participate in the annual bonus program.