Consumer Credit Analyst

Position Summary

The Credit Analyst is responsible for evaluating customer creditworthiness, facilitating financing solutions, and supporting customers throughout the loan approval process. This role serves as a liaison between customers, sales representatives, and lending partners to secure the most favorable financing options while ensuring compliance with company and lender guidelines. The Credit Analyst will analyze financial data, review credit reports, maintain accurate customer records, and provide exceptional customer service.

· Manage financing options offered to homeowners and prospective customers by identifying the most suitable lending programs based on customer qualifications and needs.

· Interact with customers, lenders, and Design Consultants (DCs) to obtain additional credit information, documentation, and loan stipulations required for financing approval.

· Provide customer and sales support through phone and email correspondence, ensuring timely communication regarding application status, loan conditions, and financing options.

· Maintain and update customer records by accurately entering and reporting loan information within the company's credit platform (CFW).

· Analyze key financial ratios, including Payment-to-Income (PTI), Debt-to-Income (DTI), and Credit Utilization, to determine loan eligibility and obtain optimal loan terms for customers.

· Review and analyze consumer credit reports from TransUnion, Experian, and Equifax to assess credit risk and financing opportunities.

· Maintain thorough knowledge of current lending partners, financing programs, underwriting guidelines, and products offered.

· Evaluate loan applications and supporting documentation to ensure completeness and compliance with lender requirements.

· Monitor loan pipelines and follow up on pending applications to facilitate timely approvals and funding.

· Collaborate with sales teams to structure financing solutions that meet customer needs while adhering to lender guidelines.

· Communicate financing decisions, conditions, and next steps to customers and internal stakeholders.

· Stay current on industry trends, lending regulations, and credit policies impacting consumer financing.

· Associate's or Bachelor's degree in Finance, Business Administration, Accounting, or related field preferred.

· Minimum of 2 years of experience in credit analysis, consumer lending, finance, banking, or a related field.

· Strong understanding of credit reporting, underwriting principles, and consumer lending practices.

· Experience analyzing PTI, DTI, credit utilization, and other financial metrics.

· Proficiency in reviewing credit reports from TransUnion, Experian, and Equifax.

· Excellent analytical, problem-solving, and decision-making skills.

· Strong verbal and written communication skills.

· Ability to manage multiple priorities in a fast-paced environment.

· Proficiency with Microsoft Office Suite and credit management software platforms.

• Must have evening and weekend availability (Must live within reasonable commute of the Lawrenceville office)