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 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.

What You'll Do:

• 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

What We Look For:

• 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

What We Offer You:

• 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 in Orange County 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.

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