Credit Analyst I

Description & Duties

• Builds and maintains relationships with dealers by processing credit applications, answering questions and providing strong customer service.
• Works across departments and achieves volume and quality goals while developing underwriting skills to earn higher levels of decision authority.

Working Schedule

8:30am - 5:00pm PST (Monday - Friday)
10:30am - 7:00pm PST (One late shift per week)
6:00am - 2:30pm PST (One rotating Saturday shift per month)

Training Schedule

Monday - Friday 6:00am - 3:00pm PST (minimum 4 weeks)

Essential Duties and Responsibilities

• Process new loan applications.
• Gather data to determine and evaluate credit risk.
• Underwrite in adherence with company policies and procedures.
• Communicate with dealers to answer questions, resolve issues, and provide information.
• Work with management to develop underwriting skills and achieve higher levels of decision authority.
• Maintain up-to-date knowledge of current compliance and lending regulations.
• Work with management to develop understanding of company stipulation policy and assist with stipulation review on an as needed basis.
• Maintain existing business and develop new business by building strong dealer relationships.

Minimum Qualifications

• Bachelor’s degree in business, finance, communication, marketing or related field OR 2 years’ experience in underwriting or lending.
• Must have professional phone presence and excellent verbal and written communication skills.
• Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations.
• Ability to write reports, business correspondence, and procedure manuals.
• To perform this job successfully, an individual should have knowledge of Microsoft Office (Word, Excel, PowerPoint, Outlook, and Internet Explorer).