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 on behalf of credit union partners.

• Analyze credit bureau reports alongside borrowers' credit histories.

• Review 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.

• Document underwriting decisions and the rationale behind them within loan systems.

• Communicate directly with dealerships and credit union partners effectively.

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

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

• Assist with funding and loan completion processes.

• Complete a two-week training program from Monday to Friday, 9:00 AM to 6:00 PM Mountain Time.

• Maintain a regular work schedule from Thursday to Monday, 12:00 PM to 9:00 PM Mountain Time, with Tuesdays and Wednesdays off.

⛳️ Requirements

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

• Proven ability to independently approve, decline, or stipulate auto loan applications.

• Strong 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 work environment.

• Excellent verbal and written communication skills.

• Ability to work independently in a remote setting.

• Open to receiving and applying feedback constructively.

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

• Access to reliable high-speed internet.

• A private, distraction-free workspace is essential.

• Must be able to work autonomously from home.

• Flexibility and availability on weekends, including Sundays.

• Willingness to work evenings and weekends.

• Experience in credit union lending is preferred.

• Experience engaging directly with dealerships is preferred.

• Familiarity with multiple loan origination systems is preferred.

• Previous experience in remote underwriting is preferred.

• Experience mentoring junior underwriters or analysts is preferred.

🏝️ Benefits

• Fully remote work environment.

• Contract-to-hire position with significant long-term potential.

• Equipment provided, including a laptop, dual monitors, headset, keyboard, and mouse.

• Opportunities for career advancement based on performance.

• Supportive leadership and team-oriented environment.

• Medical, dental, and vision coverage.

• Critical Illness, Accident, and Hospital insurance options.

• 401(k)/Roth retirement plan with pre-tax and Roth post-tax contribution options.

• Basic/Supplemental or Voluntary Life & AD&D insurance coverage.

• Short- and long-term disability insurance available.

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

• Transportation benefits offered.

• Employee Assistance Program available.

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