Credit Analyst

About the Role

As a Credit Analyst, you will underwrite and process new auto loan applications that are submitted by our auto dealership partners. You will analyze applicants and loan data with a focus on credit worthiness, risk mitigation, pricing, and compliance in accordance with Upgrade Auto's lending policies. This is a hybrid position in our Irvine Office with a standard 40-hour work week that includes rotating morning and evening shifts within an 8-hour workday, as well as occasional weekend coverage.

• Receive and underwrite new auto loan applications
• Price loan approvals according to market and risk
• Create relationships with auto dealer partners and negotiate with external clients
• Build strong relationships with our internal Dealer Development partners and teams, as well as various stakeholders
• Resolve dealership concerns and existing loan issues that may arise by providing alternative solutions while using reason when dealing with emotional topics
• Assess loan documents and third party data to make informed lending decisions
• Work with the Operations Team to resolve issues that may arise during the funding process
• Stay up to date with current economic trends and industry regulations

• 5+ years of experience in financial services, credit management, auto industry or a related field
• Attention to detail when dealing with individual customer loans and credit files
• Professionalism, ownership, and the ability to work under pressure in challenging situations
• Ability to collaborate with others and work in a team environment
• Excellent verbal and written communication, as well as strong presentation skills
• Highly motivated to set and achieve challenging goals while demonstrating persistence through obstacles

• Competitive salary and stock option plan
• 100% paid coverage of medical, dental and vision insurance
• Flexible PTO
• Opportunities for professional growth and development
• Paid parental leave
• Health & wellness initiatives

The compensation range of this position is $40-45 per hour plus equity and benefits. Within this range, an individual's base pay will be dependent on a variety of factors, including without limitation, job-related knowledge, skills, education, and experience.

We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.