Credit Analyst

Job Application for Credit Analyst at Upgrade Back to jobs New Credit Analyst Orange County Apply Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we’ve helped over 7.5 million customers access over $42 billion in consumer credit. With a relentless focus on improving our customers' financial well-being, we build products that put more money in their pocket and support their journey toward a better financial future. We’re backed by some of the most prominent technology investors and were most recently valued at $7.3B. We’re consistently recognized for our collaborative and inclusive culture. Most recently, we were named one of the World’s Top Fintech Companies by CNBC, Best Places to Work by Built In, Best Places to Work by the San Francisco Business Times, America’s Greatest Workplaces by Newsweek, Best Startup Employer by Forbes, and Healthiest Employers by Phoenix Business Journal. We’re looking for new team members who get excited about designing and delivering new and better products. Come join us and help build a better financial future for millions of people. About the Role: As a Credit Analyst, you will underwrite and process new auto loan applications that are submitted by our auto dealership partners. You will analyze applicants and loan data with a focus on credit worthiness, risk mitigation, pricing, and compliance in accordance with Upgrade Auto's lending policies. This is a hybrid position with a standard 40-hour work week that includes rotating morning and evening shifts within an 8-hour workday, as well as occasional weekend coverage. What You’ll Do: Receive and underwrite new auto loan applications Price loan approvals according to market and risk Create relationships with auto dealer partners and negotiate with external clients Build strong relationships with our internal Dealer Development partners and teams, as well as various stakeholders Resolve dealership concerns and existing loan issues that may arise by providing alternative solutions while using reason when dealing with emotional topics Assess loan documents and third party data to make informed lending decisions Work with the Operations Team to resolve issues that may arise during the funding process Stay up to date with current economic trends and industry regulations What We Look For: 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 What We Offer You: 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 The compensation range of this position in Orange County is $40-45 per hour plus equity and benefits. Within this range, an individual's base pay will be dependent on a variety of factors, including without limitation, job-related knowledge, skills, education, and experience. For California residents: Upgrade's California Notice at Collection and Privacy Policy describes our practices regarding the collection, use, and disclosure of the personal information of job applicants. 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. Upgrade does not accept unsolicited resumes from staffing agencies, search firms, or any third parties. Any resume submitted to any employee of Upgrade without a prior written agreement in place will be considered the property of Upgrade, and Upgrade will not be obligated to pay any referral or placement fee. Agencies must obtain advance written approval from Upgrade's Talent Acquisition department to submit resumes and only in conjunction with a valid, fully executed agreement . English is required for all positions, as it involves interacting with staff at Upgrade's offices worldwide. Create a Job Alert Interested in building your career at Upgrade? Get future opportunities sent straight to your email. Create alert Apply for this job * indicates a required field Autofill with MyGreenhouse First Name * Last Name * Email * Phone Country * Phone * Resume/CV * Attach Attach Dropbox Google Drive Enter manually Enter manually Accepted file types: pdf, doc, docx, txt, rtf Cover Letter Attach Attach Dropbox Google Drive Enter manually Enter manually Accepted file types: pdf, doc, docx, txt, rtf LinkedIn Profile Are you legally authorized to work in the United States? * Select... Will you now, or in the future, require sponsorship for employment visa status (e.g. H-1B visa status, work permit, etc.)? * Select... This position requires residency in Orange County, Do you currently reside in the area? * Select... Demographic Questions & Categorizations Upgrade is dedicated to building a diverse team and an inclusive culture. We believe that it’s crucial to Upgrade’s long-term success to create an environment where all employees feel like they belong and have an equal opportunity to succeed. For this reason, we are asking candidates to voluntarily self-identify through a few demographic questions. Our purpose in collecting this information is to help us assess our outreach efforts and diversity representation goals. Your responses will not be linked to your identity or your application, and neither recruiters nor hiring managers can see this information at an individual level. Your responses are stored in the aggregate and will not play any role in our hiring decision. Your decision to participate or not participate in this survey will have no impact on your candidacy at Upgrade. How you do you identify? (Gender identity) Select... Do you identify as LGBTQ+? Select... How do you identify? (Ethnicity) Select... What is your veteran status? Select... What is your disability status? Select... Submit application Powered by Greenhouse