Credit Analyst – Subprime Auto Finance

• Follow up with dealerships on automated decisioned loan applications to secure contracts and build lasting relationships
• Review and approve loans to ensure sales contracts align with program specifications
• Provide alternative solutions when necessary to meet lending guidelines
• Communicate with dealers, the sales/marketing team, and funders to collaborate on solutions
• Structure and restructure non-prime deals
• Evaluate credit reports, customer information, and application structures
• Make informed, profitable underwriting decisions
• Meet monthly production, quality, and customer satisfaction targets
• Review loan applications to assess creditworthiness and ensure contracts meet company standards

• Bachelor’s degree preferred (or equivalent combination of education and experience)
• Consumer auto finance or underwriting in financial services experience preferred
• Proficient in Microsoft Office, Google G Suite, and Teams
• No certifications or licenses required
• Ability to review credit reports, customer information, and loan application structures
• Ability to make sound underwriting decisions based on credit analysis
• Ability to communicate and build relationships with dealerships and internal teams

Demonstrates expertise in evaluating credit reports and making informed underwriting decisions while building strong relationships with dealerships and internal teams. Proficient in structuring non-prime deals and ensuring compliance with lending guidelines.