Credit Risk Analyst
4 weeks ago
We are seeking a skilled Credit Analyst to join our team at Upgrade, Inc. As a Credit Analyst, you will play a critical role in underwriting and processing new auto loan applications submitted by our auto dealership partners.
Key Responsibilities- Underwrite and process new auto loan applications, analyzing applicants and loan data to determine credit worthiness, risk mitigation, pricing, and compliance with Upgrade Auto's lending policies.
- Price loan approvals according to market and risk, ensuring that our lending decisions are informed and responsible.
- Build strong relationships with auto dealer partners and negotiate with external clients to drive business growth and revenue.
- Collaborate with internal Dealer Development partners and teams to resolve dealership concerns and existing loan issues, providing alternative solutions and using reason when dealing with emotional topics.
- Assess loan documents and third-party data to make informed lending decisions, staying up-to-date with current economic trends and industry regulations.
- Work with the Operations Team to resolve issues that may arise during the funding process, ensuring seamless loan processing and customer satisfaction.
- 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.
- Competitive salary and stock option plan.
- 100% paid coverage of medical, dental, and vision insurance.
- Flexible PTO.
- Opportunities for professional growth and development.
- Paid parental leave.
- Health & wellness initiatives.
We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.
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