Credit Analyst - Subprime Auto Finance
United Auto Credit Corporation•Atlanta, GA
•$29 - $33•Onsite
About The Position
As a Credit Analyst at United Auto Credit, you'll review and manage loan applications, ensuring they meet lending guidelines and are processed efficiently. You'll follow up with dealerships to secure contracts, restructure non-prime deals as needed, and make sound underwriting decisions based on credit analysis. Strong communication and relationship-building with dealerships and internal teams are key to success in this role.
Requirements
- 2+ years of experience in loan underwriting
- Sub-prime auto finance experience strongly preferred
- Bachelor’s degree preferred (or equivalent combination of education and experience)
- Proficient in Microsoft Office, Google G Suite, and Teams
Responsibilities
- Follow up with dealerships on automated decisioned loan applications to secure contracts and build lasting relationships.
- Ensure that sales contracts align with program specifications or provide alternative solutions when necessary to meet lending guidelines.
- Communicate regularly with dealers, the sales/marketing team, and funders to collaborate on solutions that drive success.
- Work with dealerships to structure and restructure non-prime deals, ensuring the right balance between risk and reward.
- Evaluate credit reports, customer information, and application structures to make informed, profitable underwriting decisions.
- Meet monthly targets for production, quality, and customer satisfaction, driving both personal and team success.
- Carefully review loan applications to assess creditworthiness and ensure that all contracts meet company standards.
Benefits
- Competitive compensation package
- Uncapped commission structure
- Phone/tablet combination
- Program to fund difficult credit customers, job/income types, and subprime financing for commercial units
- Medical
- Dental
- Vision
- 401(k) investment plan with Company match
- Paid time off
- Generous Time off package
- Additional voluntary benefits
- Retirement Plan + Employer Match
- Employee Perks and Discounts
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
Associate degree
