Credit Analyst

United Fidelity Bank

4d • Onsite

About The Position

We are seeking an experienced Auto Loan Analyst in our Irving Texas location to underwrite auto loan applications from the AutoNation network of dealers. This role is critical in ensuring compliance with regulatory standards, managing risk, and driving operational excellence. The ideal candidate will have strong credit skills and a proven ability to underwrite loans within the company guidelines. Job Description As a Credit Analyst, you will underwrite, and review submitted applications from new and used automotive dealers. In addition, you will communicate decisions to appropriate individuals, uphold fair lending practices, and meet targets for productivity, quality and customer satisfaction.

Requirements

• Knowledge of Consumer Auto Finance with 2 - 5 years of underwriting experience required
• Thorough knowledge of credit review process and credit scoring
• Strong analytical, organizational and time management skills
• Strong verbal and written communication skills
• Demonstrated ability to develop business relationships with dealer principals, Sales Team as well as Peers
• Strong negotiation and decision-making skills
• Continuous use of personal computer/monitor/keyboard.

Responsibilities

• Review, analyze and underwrite complex auto loans within company guidelines.
• Assist with negotiation of contracts based on lending guidelines.
• Interact daily with automotive dealerships and gather information needed to make appropriate credit decisions with the ability to explain the rationale behind credit decisions made to dealerships and CIG Sales Managers if needed.
• Build and maintain effective relationship with assigned automotive dealership base
• Build and maintain positive working relationship with peers and Sales Managers

Benefits

• Competitive compensation and 401k matching
• Enjoy a healthy work-life balance with insurance plans (health, dental, vision) and maternity benefits.
• Associate purchase and discount programs for new and pre-owned vehicles, services, parts, collision, accessories, and AutoGear
• Access amazing deals and discounts through YouDecide, a website with offers from top providers and retailers
• Join our DRVPNK mission to raise and donate millions of dollars to cancer research and treatment, partnering with cancer charities nationwide

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed