Credit Analyst/Underwriter - Auto Lending

Must Reside in the Eastern Time ZoneAs 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 andResponsibilities: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.• AchieveYour 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 requiredTechnical Skills• Proficient in bolthires Office, bolthires G Suite, and TeamsSupervisory Responsibilities• No Supervisory responsibilitiesCompensation• Hourly rate ranges between $21-$26 an hour, based on experience• Uncapped Bonuses, Averaging $1,500 monthly• Expected TotalCompensation including Average Bonuses = $60K - $73kJob Type: Full-timeProjected TotalCompensation: $60,000.00 - $73,000.00 per yearBenefits:• 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 insuranceApplication 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