Credit Analyst/Underwriter - Auto Lending

Must Reside in the Eastern Time Zone As a Credit Analyst at UACC, 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. Essential Duties and Responsibilities: As a Credit Analyst at UACC, you will: • 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. Education/Experience • 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 Technical Skills • Proficient in Microsoft Office, Google G Suite, and Teams Supervisory Responsibilities • No Supervisory responsibilities Compensation • Hourly rate ranges between $21-$26 an hour, based on experience • Uncapped Bonuses, Averaging $1,500 monthly • Expected Total Compensation including Average Bonuses = $60K - $73k Job Type: Full-time Projected Total Compensation: $60,000.00 - $73,000.00 per year Benefits: • 401(k) matching • Dental insurance • Employee assistance program • Employee discount • Flexible spending account • Health insurance • Health savings account • Life insurance • Paid time off • Referral program • Retirement plan • Vision insurance Application Question(s): • This position requires you to live in the Eastern Time Zone. Do you live in this Time Zone? Experience: • Auto Lending , specifically in Underwriting: 2 years (Required) Work Location: Remote Apply tot his job Apply To this Job