Credit Analyst II – Indirect Lending, Auto

🕒 6 days ago

🌵 Arizona, Colorado, +7 more states – Remote

🌵 Arizona – Remote ⛰️ Colorado – Remote 🐊 Florida – Remote 🌺 Hawaii – Remote 🌽 Illinois – Remote 🤠 Texas – Remote ☕ Washington – Remote 🦬 Wyoming – Remote 🍑 Georgia – Remote

💵 $25 - $32 / hour

⏰ Full Time

🟡 Mid-level

🟠 Senior

🧐 Analyst

👻 Ghost score 0%

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• Open for 6 days.

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Origence

WebsiteLinkedInAll Job Openings

501 - 1000 employees

Founded 2019

💼 Consulting

📣 Marketing

📦 Logistics

Consulting • Marketing • Logistics

Origence is a credit union service organization (CUSO) that provides innovative lending solutions and technology to credit unions and their members. Founded by credit unions, Origence focuses on enhancing the lending experience through advanced tools such as automated loan decisioning, document processing, and marketing automation. Their services aim to streamline loan origination and improve the member experience, positioning credit unions to compete effectively in a rapidly evolving financial landscape.

📋 Description

• Review and monitor transactions delivered for underwriting, processing, negotiating, and capturing indirect auto loan and lease originations • Develop and maintain customer service relationships with credit union and dealer partners • Negotiate acceptable loan terms between credit unions and dealerships • Review loan applications and render decisions within underwriting criteria and approval limits • Gather and review credit bureaus, DTI, LTV, PTI, dealer risk, and relationship information to assess application risk • Apply decisions in multiple loan origination systems and document decision rationales • Assist with loan rehashes according to lending and exception guidelines • Follow up on approved applications to maximize funding ratio • Contact members and dealers to collect missing items, stipulations, and documentation • Document and track inbound and outbound call results • Send completed loan packages to credit unions for final funding • Increase overall capture percentage in select markets • Monitor applications and contracts from select dealerships • Monitor dealer productivity and assist dealers in improving look-to-book ratios • Contribute to turnaround-time and loan-volume goals • Participate in fraud detection, fraud-tool processing, and new client implementation • Support process improvements and test new software and software releases • Support operations including processing, funding, compliance, call center, and special projects • Maintain service-level agreements and coverage between 7:00 am and 9:00 pm MST, seven days a week • Foster teamwork and model Origence Lending Services' culture and values

🎯 Requirements

• High school diploma or equivalency required • Four to six years of underwriting experience in a consumer lending/underwriting environment within a financial institution • General knowledge of financial industry policies and operations • Knowledge of financial institution operations, regulatory compliance, point of purchase or indirect auto lending or leasing preferred • Previous processing/funding experience preferred • Experience in L360, Meridian Link, or Ideal preferred • Excellent internal and external customer service skills • Excellent oral/written communication and analytical skills • Ability to work independently with a high level of initiative • Ability to interface with credit union and dealership management • Ability to organize, prioritize work, meet deadlines and established goals • Ability to work in a fast-paced environment and deliver fast, efficient loan turnaround decisions • Computer knowledge with Microsoft Word, Excel, and PowerPoint • Flexible availability to work varied schedules between 7:00 am and 9:00 pm MST, seven days a week • Specialized problem-solving and troubleshooting skills • Must be a team player • Must be located in Colorado, Arizona, Texas, Washington, Georgia, Wyoming, Illinois, Florida, or Hawaii

🏖️ Benefits

• 401(k) with 8% Company Match • Flexible Work Environment • Competitive Paid Time Off • Tuition Reimbursement & Education Benefits • Comprehensive Health & Wellness Benefits • Microsoft Copilot and AI-Enabled Tools • Continuous Learning & Development Opportunities • Employee-driven programs, company events, holiday celebrations, monthly town halls, quarterly company meetings, and team traditions • Quarterly bonus opportunity • Eligible positions may participate in the annual bonus program

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