Indirect Auto Credit Analyst

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

📋 Description

• Assess and underwrite vehicle loan applications received from dealership networks for credit union partners.

• Examine credit bureau reports and the credit history of borrowers.

• Analyze debt-to-income (DTI), payment-to-income (PTI), loan-to-value (LTV), income documentation, and overall borrower risk assessment.

• Make decisions regarding loan approvals, declines, and stipulations in accordance with lending guidelines.

• Record underwriting decisions and their justifications within loan systems.

• Engage directly with dealerships and credit union partners.

• Follow up to secure any missing documentation and fulfill loan conditions.

• Manage a high-volume queue while achieving production and turnaround targets.

• Assist in funding and finalizing loan activities.

• Complete initial training from Monday to Friday, 9:00 AM-6:00 PM Mountain Time.

• Adhere to a regular Thursday to Monday schedule, 12:00 PM-9:00 PM Mountain Time, with Tuesday and Wednesday off.

• Participate in quarterly bidding for alternative schedules based on production and performance metrics.

⛳️ Requirements

• At least 3 years of experience in indirect auto underwriting.

• Proven experience in independently approving, declining, or stipulating auto loan applications.

• Extensive experience in evaluating credit reports, DTI, PTI, LTV, and income verification documentation.

• Familiarity with at least one of the following systems: MeridianLink, Keystone Correlation, CUDL, ArcOS, Ideal, or L360.

• Capability to excel in a fast-paced, high-volume environment.

• Excellent verbal and written communication skills.

• Ability to work autonomously in a remote environment.

• Willingness to accept and act on feedback.

• Must reside in Colorado, Wyoming, Illinois, Texas, Arizona, Florida, Washington, Georgia, Virginia, or Hawaii.

• Access to reliable high-speed internet.

• Possession of a private, distraction-free workspace.

• Ability to work independently from home.

• Flexibility and availability on weekends; Sundays are mandatory.

• Comfort with evening and weekend work schedules.

• Preferred experience in credit union lending.

• Preferred experience working directly with dealerships.

• Preferred experience using multiple loan origination systems.

• Previous remote underwriting experience is preferred.

• Experience mentoring junior underwriters or analysts is preferred.

🏝️ Benefits

• Medical, dental, and vision coverage.

• Critical Illness, Accident, and Hospital insurance.

• 401(k) Retirement Plan with options for pre-tax and Roth post-tax contributions.

• Life Insurance (Voluntary Life & AD&D for the employee and dependents).

• Short-term and long-term disability coverage.

• Health Spending Account (HSA).

• Health & Dependent Care Spending Accounts (HSA & DCFSA).

• Transportation benefits.

• Employee Assistance Program.

• Paid Time Off/Leave (PTO, Vacation, or Sick Leave).

• Equipment provided (laptop, dual monitors, headset, keyboard, mouse).

• Opportunities for performance-based career advancement.

• Strong training and career growth opportunities.

• Contract-to-hire position with potential for permanent employment conversion.