Credit Analyst

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.

• →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 

• 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