Credit Analyst - Auto Finance

United Auto Credit • Fort Worth, TX

2d • 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

• Proficient in Microsoft Office, Google G Suite, and Teams

Nice To Haves

• Bachelor’s degree preferred (or equivalent combination of education and experience)
• Consumer auto finance or underwriting in financial services experience preferred
• No certifications or licenses required

Responsibilities

• Engage with Dealerships: Follow up with dealerships on automated decisioned loan applications to secure contracts and build lasting relationships.
• Review and Approve Loans: Ensure that sales contracts align with program specifications or provide alternative solutions when necessary to meet lending guidelines.
• Build Strong Relationships: Communicate regularly with dealers, the sales/marketing team, and funders to collaborate on solutions that drive success.
• Negotiate and Restructure Deals: Work with dealerships to structure and restructure non-prime deals, ensuring the right balance between risk and reward.
• Analyze Credit Data: Evaluate credit reports, customer information, and application structures to make informed, profitable underwriting decisions.
• Achieve Your Goals: Meet monthly targets for production, quality, and customer satisfaction, driving both personal and team success.
• Assess and Manage Risk: Carefully review loan applications to assess creditworthiness and ensure that all contracts meet company standards.

Benefits

• Competitive compensation package that includes an uncapped commission structure
• Tools necessary to perform at a high level, from a phone/table combination, to a program that will offer your dealer a way to fund to the most difficult of credit customers, job/income types and even offer subprime financing for a bevy of commercial units.
• Comprehensive benefits package that includes medical, dental, vision
• A 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

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Associate degree