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

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• Open for 5 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 relationships with credit union representatives and negotiate acceptable loan terms between credit unions and dealerships • Communicate regularly with dealers and credit union partners to build rapport and improve their experience • Review loan applications and render decisions within underwriting criteria and approval limits • Gather and review underwriting information, including credit bureaus, DTI, LTV, PTI, dealer risk, and relationship data, to determine application risk • Apply decisions in multiple loan origination systems and document decision rationales • Assist with loan rehashes based on lending and exception guidelines • Follow up on approved applications to maximize funding ratio • Contact members and/or dealers to collect missing items, stipulations, and documentation • Document and track inbound and outbound call results • Send completed loan packages to appropriate 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 increasing look-to-book ratios • Contribute to operational and departmental goals, including turnaround times and loan volume • Participate in fraud detection techniques, daily fraud-tool processing, and new client implementation • Support process improvements and test new software and software releases • Support Operations, including processing and funding applications, compliance, call center, and special projects • Work with the team and leadership to maintain service-level agreements and coverage between 7:00 am and 9:00 pm MST, seven days a week • Foster teamwork and promote Origence Lending Services' culture and values

🎯 Requirements

• Must be located in one of the following states: Colorado, Arizona, Texas, Washington, Georgia, Wyoming, Illinois, Florida, Hawaii • 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 and written communication and analytical skills • Ability to work independently with a high level of initiative • Ability to interface with credit union and dealership management to create and further business relationships • 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 Office programs including Word, Excel and PowerPoint • Flexible schedule; willingness to work a varied schedule from 7:00 am through 9:00 pm MST, seven days a week • Specialized problem-solving and troubleshooting skills • Must be a team player

🏖️ 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 • A culture of connection, celebration, and growth through employee-driven programs, company events, holiday celebrations (Star Wars Day), monthly town halls, quarterly company meetings, and team traditions like Bring Your Kid to Work Day • Quarterly bonus opportunity • Eligible positions may participate in the annual bonus program

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