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.

• Review all necessary supporting documentation.

• Analyze credit bureau reports along with the borrower’s credit history.

• Evaluate DTI, PTI, LTV, income documentation, and overall borrower risk.

• 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.

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

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

• Assist with funding and loan completion activities.

• Complete training from Monday to Friday, 9:00 AM-6:00 PM Mountain Time during the first two weeks.

• After training, adhere to the regular Thursday to Monday schedule from 12:00 PM-9:00 PM Mountain Time, with Tuesday and Wednesday off.

⛳️ Requirements

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

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

• Strong background in evaluating credit reports, DTI, PTI, LTV, and income verification documentation.

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

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

• Excellent verbal and written communication skills.

• Capability to work independently in a remote environment.

• Open to receiving and implementing feedback.

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

• Access to reliable high-speed internet.

• A private, distraction-free workspace.

• Ability to work independently from home.

• Flexibility and availability to work weekends, including Sundays.

• Comfortable with evening and weekend shifts.

• Experience in credit union lending is preferred.

• Prior experience working directly with dealerships is preferred.

• Familiarity with multiple loan origination systems is preferred.

• Previous remote underwriting experience 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 atmosphere.

• Medical, dental, and vision insurance.

• Coverage for Critical Illness, Accident, and Hospital expenses.

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

• Basic/Supplemental or Voluntary Life & AD&D insurance available for employees and dependents.

• Short and long-term disability insurance.

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

• Transportation benefits.

• Employee Assistance Program.

• Time Off/Leave options including PTO, Vacation, or Sick Leave.