Indirect Underwriting - Auto; Credit Analyst

Origence is always looking for diverse, talented people to join our exceptional team. Current job opportunities are posted here as they become available.

With 30 years of fintech leadership, Origence empowers credit unions with innovative SaaS lending solutions that make lending more accessible, efficient, and competitive. We invest in our people and foster a culture of innovation, ownership, and continuous improvement. As we help shape the future of lending, we're leveraging AI and technology to streamline lending operations, enhance decision-making, and create value for our clients.

We're seeking individuals who are energized by problem-solving, operational excellence, and the opportunity to make a meaningful impact for our clients, partners, and teams.

Credit Analyst will be responsible for reviewing and monitoring transactions delivered to Origence Lending Services for underwriting, processing, negotiating, and capturing indirect auto loan & lease originations. The Credit Analyst is expected to develop and maintain a high level of customer service with our Credit Union and Dealer partners, to improve their experience working with Origence Lending Services. This role will partner with all departments within CU Direct to establish, maintain, and enhance relationships.

Accuracy and understanding of Credit Union and Origence Lending Services guidelines are essential to the success of this position.

At Origence, we are self-aware, adaptable, and relentlessly focused on creating meaningful impact. We think like owners, embrace complexity and ambiguity, challenge conventional thinking, and continuously pursue smarter, more effective ways to solve problems and advance the business. We value people who are adaptable, resourceful, and committed to delivering quality outcomes while continuously looking for ways to improve. If this mindset reflects who you are, you may be exactly who we're looking for.

The hours for this position are 12:00 - 9:00 p.m. MST, this includes weekend work.

• Develop relationship with credit union representatives to negotiate acceptable terms of loan between credit union and dealership. Communicate effectively with dealers and credit union partners regularly to build rapport. Responsible for reviewing loan applications and rendering decisions within underwriting criteria and approval limits. Gather and review all necessary underwriting information to determine the degree of risk involved with an application, including but not limited to credit bureaus, DTI, LTV, PTI, dealer risk and relationship and decision the application accordingly.
  
  Apply decisions in multiple loan origination systems. Adequately document details of decision to explain rationale. Assist with loan rehashes based upon lending and exception guidelines (where applicable.) Follow up on approved applications to maximize funding ratio.
• Follow up with members and/or dealers to collect missing items, stipulations or other miscellaneous documentation. Accurately document and track results of outbound and inbound calls. Responsible for sending completed loan packages to appropriate credit unions for final funding. Increase Origence Lending Services overall capture % in select markets. Monitor applications and contracts delivered to Origence Lending Services from select dealerships. Monitor dealer productivity and assist dealers to increase look to book ratios.
  
  Contributes to operational and departmental goals that include but are not limited to: turnaround times and loan volume.
• Participates in implementation of fraud detection techniques, daily processing of fraud tools, and new client implementation. Supports and/or recommends improvement of processes within the department. Participates in the testing of new software and new software releases.
• Work to foster and enhance teamwork within the organization and within the underwriting team. Support Operations Department including but not limited to: processing and funding applications, compliance, call center, and special projects. Work with team and leadership to maintain service level agreement and proper coverage of assigned responsibilities between 7:00 am and 9:00 pm MST, seven days a week. Provide the highest quality products and services to each other and our clients.
  
  Consistently promote and model the culture and values of Origence Lending Services. Demonstrates the behaviors aligned with each value with clients and employees across the organization.

• High school diploma or equivalency required.

• Three to five years of underwriting experience in a consumer lending/underwriting environment within a financial institution. General knowledge of financial industry policies and operations is a must.
• Knowledge of financial institution operations, regulatory compliance, point of purchase or indirect auto lending or leasing preferred.
• Previous processing/funding…