Funding Analyst

We are a leading national consumer finance company with a 15-year legacy of stability and success. Following our recent acquisition and the appointment of a new CEO, we are entering a transformative chapter. Pivoting toward a high-growth, tech-forward, and entrepreneurial future. We are seeking a Funding Analyst to review, research, analyze, audit, and verify automotive loan applications and adhere to basic tenets of sub-prime auto credit.

• Review and analyze the loan applications and documentation to ensure the information is complete, accurate, and complies with company standards, applicable regulations, and secondary market guidelines.
• Communicate effectively to internal and external personnel regarding application status to inform relevant parties and expedite the validation process.
• Ensure program eligibility and funding guideline verification procedures comply with all internal policies, fair lending practices, and other applicable federal and state laws.
• Meet set goals and targets for productivity, quality, customer satisfaction, and relationship management (between Sales, Credit, and the Dealership Manager).
• Effectively utilize the tools, resources, and the time available to complete the validation process to ensure the Company is compliant within its guidelines.
• Build and maintain relationships with external partners and applicants.
• Provide exemplary service levels in accordance with internal company policy.
• Work as a part of a team to ensure that the Company quality and volume objectives are exceeded.
• Perform other duties as required or assigned.

• The Relationship Builder:
  You have exceptional relationship-building skills while having the ability to maintain a professional and customer‑oriented approach with strong interpersonal, written, and oral communication skills.
• The Critical Thinker:
  You have the ability to apply critical thinking while performing job duties.
• An individual with exceptional attention to detail, organization, and time management skills. Including the ability to prioritize, be methodical, thorough, and precise while completing assigned duties.

• Experience:
  
  Minimum of 1+ years' experience in automotive lending or consumer credit environment. Funding or Credit underwriting experience is preferred.
• Industry Context:
  Knowledge of the indirect lending industry, retail installment loan contracts, vehicles and collateral valuation, loan terms including buy rates, contract rates, LTV, front and back LTV, dealer mark‑up, reserve and participation, ancillary products, title documentation, lien perfection, and regulatory requirements.
• Education:
  • High School Diploma or Equivalency required
  • Bachelor's degree preferred
• Ability to work in a fast‑paced, high‑intensity and time‑sensitive environment.
• Proficient or advanced skills in Microsoft Office applications including Outlook, Word, and Excel. Familiarity with Loan Origination systems is preferred.

• Location:
  
  This role is on‑site at our Tempe, AZ location. With the opportunity to become hybrid.
• Schedule:
  
  Flexibility to work nights, Saturdays, and holidays.

This is a unique moment to join a company with a solid foundation that is pivotally investing in technology. You will have the opportunity to be a part of the transformation and accelerate your career.