Indirect Auto Credit Analyst; Remote

Indirect Auto Credit Analyst (Remote)

Contract-to-Hire Opportunity | Remote in CO, WY, IL, TX, AZ, FL, WA, GA, VA, or HI

Pay Range: $26-$32/hr

Candidates who meet all required qualifications, including indirect auto underwriting experience and direct experience with required loan origination systems, may be eligible for consideration toward the higher end of the pay range.

Join One of the Fastest-Growing Organizations in Indirect Lending

TEKsystems is partnering with Origence, a national leader in credit union lending technology and indirect auto finance, to hire experienced Indirect Auto Credit Analysts.

This is a fully remote, contract-to-hire opportunity supporting a rapidly growing lending operation. The ideal candidate has recent experience underwriting indirect auto loans, making independent credit decisions, and working with dealership and credit union partners.

Origence offers a collaborative culture, strong training, career growth opportunities, and a proven track record of converting high-performing contractors into permanent employees.

Why Consider This Opportunity?

• 100% remote work environment

• Contract-to-hire with strong long-term potential

• Work for a leader in the credit union lending space

• Equipment provided (laptop, dual monitors, headset, keyboard, mouse)

• Performance-based career advancement opportunities

• Supportive leadership and team environment

• Opportunity to make independent underwriting decisions and directly impact lending outcomes

What You'll Be Doing

As an Indirect Auto Credit Analyst, you'll review and underwrite vehicle loan applications submitted through dealership networks on behalf of credit union partners.

Responsibilities include:

• Reviewing indirect auto loan applications and supporting documentation

• Analyzing credit bureau reports and borrower credit history

• Evaluating:

• Debt-to-Income (DTI)

• Payment-to-Income (PTI)

• Loan-to-Value (LTV)

• Income documentation

• Overall borrower risk

• Making loan approval, decline, and stipulation decisions within lending guidelines

• Documenting underwriting decisions and rationale within loan systems

• Communicating directly with dealerships and credit union partners

• Following up to obtain missing documentation and loan conditions

• Managing a high-volume queue while meeting production and turnaround goals

• Supporting funding and loan completion activities

Required Qualifications

Must Have

• Minimum 3 years of indirect auto underwriting experience

• Experience independently approving, declining, or stipulating auto loan applications

• Strong experience evaluating:

• Credit reports

• DTI

• PTI

• LTV

• Income verification documentation

• Experience using at least one of the following loan origination systems:

• Meridian Link

• Keystone Correlation

• CUDL

• ArcOS

• Ideal

• L360

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

• Strong verbal and written communication skills

• Ability to work independently in a remote setting

• Comfortable receiving and implementing feedback

Preferred Qualifications

• Credit union lending experience

• Experience working directly with dealerships

• Experience using multiple loan origination systems

• Previous remote underwriting experience

• Experience mentoring junior underwriters or analysts

Work Schedule (Important) - Non-negotiable

This position requires flexibility and weekend availability.

Training Schedule

First 2 Weeks:

• Monday-Friday

• 9:00 AM-6:00 PM Mountain Time

Regular Schedule After Training

• Thursday-Monday

• Tuesday & Wednesday off

• 12:00 PM-9:00 PM Mountain Time

• Sundays are required

Each quarter, employees may have the opportunity to bid for alternative schedules based on production and performance metrics.

Candidates must be comfortable working evenings and weekends as part of their regular schedule.

Work Environment

This is a fully remote position.

Candidates must reside in one of the following states:

• Colorado

• Wyoming

• Illinois

• Texas

• Arizona

• Florida

• Washington

• Georgia

• Virginia

• Hawaii

Applicants must have:

• Reliable high-speed internet

• A private, distraction-free workspace

• Ability to work independently from home

Contract-to-Hire Information

This role begins as a contract position with the intention of converting high-performing individuals into permanent employees.

Origence has a strong history of hiring successful contractors into full-time positions and promoting them into advanced analyst and leadership roles.

If you're an experienced indirect auto underwriter looking for a remote opportunity with long-term growth potential, we'd love to connect.

We reserve the right to pay above or below the posted wage based on factors unrelated to sex, race, or…