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 submitted via 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.

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

• Record underwriting decisions and justifications in loan systems.

• Engage directly with dealerships and credit union partners.

• Follow up to secure missing documents and fulfill loan conditions.

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

• Assist with funding and loan completion processes.

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

• Adhere to a 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 track record of independently approving, declining, or stipulating auto loan applications.

• 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.

• Capable of thriving in a fast-paced, high-volume environment.

• Excellent verbal and written communication skills.

• Ability to work independently in a remote environment.

• Open to receiving and implementing feedback.

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

• Reliable high-speed internet access.

• A private, distraction-free workspace.

• Capacity to work independently from home.

• Flexibility and availability on weekends, including Sundays.

• Comfortable working evenings and weekends.

• Preferred credit union lending experience.

• Preference for candidates with experience working directly with dealerships.

• Experience with multiple loan origination systems is preferred.

• Previous remote underwriting experience is a plus.

• Mentoring experience with junior underwriters or analysts is preferred.

🏝️ Benefits

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

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

• Opportunities for training and career development.

• Potential for performance-based career advancement.

• Medical, dental, and vision coverage.

• Critical illness, accident, and hospital coverage.

• 401(k)/Roth retirement plan.

• Basic, supplemental, and voluntary life & AD&D insurance.

• 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).