Consumer Credit Analyst

Windowsbyrba; Indianapolis (IN); Hybrid; USD 67,500 - 82,500; Full time

Benefits offered by this job

Medical, dental, vision, and life insurance

401(k) with generous company match

Paid time off & paid holidays

Student loan repayment and scholarship program

Employee perks discount program

Job summary

Windowsbyrba in Indianapolis, IN is looking for a Consumer Credit Analyst responsible for evaluating customer creditworthiness and facilitating financing solutions. You will manage credit analysis and serve as a liaison to ensure favorable financing options while complying with guidelines.

The ideal candidate has strong analytical skills, a background in finance or related fields, and a solid understanding of credit reporting practices. The role follows a hybrid schedule with office and remote work.

Qualifications

• Minimum of 2 years of experience in credit analysis, consumer lending, finance, banking, or a related field.
• Strong understanding of credit reporting, underwriting principles, and consumer lending practices.
• Proficiency in reviewing credit reports from TransUnion, Experian, and Equifax.
• Ability to manage multiple priorities in a fast-paced environment.

Responsibilities

• Evaluate customer creditworthiness and facilitate financing solutions.
• Interact with customers and lenders to obtain additional credit information.
• Maintain and update customer records in the company's credit platform.
• Analyze financial ratios to determine loan eligibility and obtain optimal terms.
• Review and analyze consumer credit reports to assess credit risk.

Skills

Credit analysis

Analytical skills

Communication skills

Problem-solving

Financial metrics analysis

Education

Associate's or Bachelor's degree in Finance, Business Administration, Accounting, or related field

Tools

Microsoft Office Suite

Credit management software

Job description

Consumer Credit Analyst

Renewal by Andersen – Indianapolis, IN

Position Summary

The Credit Analyst is responsible for evaluating customer creditworthiness, facilitating financing solutions, and supporting customers throughout the loan approval process. This role serves as a liaison between customers, sales representatives, and lending partners to secure the most favorable financing options while ensuring compliance with company and lender guidelines. The Credit Analyst will analyze financial data, review credit reports, maintain accurate customer records, and provide exceptional customer service.

Essential Duties and Responsibilities

• Manage financing options offered to homeowners and prospective customers by identifying the most suitable lending programs based on customer qualifications and needs.
• Interact with customers, lenders, and Design Consultants (DCs) to obtain additional credit information, documentation, and loan stipulations required for financing approval.
• Provide customer and sales support through phone and email correspondence, ensuring timely communication regarding application status, loan conditions, and financing options.
• Maintain and update customer records by accurately entering and reporting loan information within the company's credit platform (CFW).
• Analyze key financial ratios, including Payment-to-Income (PTI), Debt-to-Income (DTI), and Credit Utilization, to determine loan eligibility and obtain optimal loan terms for customers.
• Review and analyze consumer credit reports from TransUnion, Experian, and Equifax to assess credit risk and financing opportunities.
• Maintain thorough knowledge of current lending partners, financing programs, underwriting guidelines, and products offered.
• Evaluate loan applications and supporting documentation to ensure completeness and compliance with lender requirements.
• Monitor loan pipelines and follow up on pending applications to facilitate timely approvals and funding.
• Collaborate with sales teams to structure financing solutions that meet customer needs while adhering to lender guidelines.
• Communicate financing decisions, conditions, and next steps to customers and internal stakeholders.
• Stay current on industry trends, lending regulations, and credit policies impacting consumer financing.

Qualifications

• Associate's or Bachelor's degree in Finance, Business Administration, Accounting, or related field preferred.
• Minimum of 2 years of experience in credit analysis, consumer lending, finance, banking, or a related field.
• Strong understanding of credit reporting, underwriting principles, and consumer lending practices.
• Experience analyzing PTI, DTI, credit utilization, and other financial metrics.
• Proficiency in reviewing credit reports from TransUnion, Experian, and Equifax.
• Excellent analytical, problem‑solving, and decision‑making skills.
• Strong verbal and written communication skills.
• Ability to manage multiple priorities in a fast‑paced environment.
• Proficiency with Microsoft Office Suite and credit management software platforms.

Compensation and Benefits

• Competitive annual pay of $75,000
• Medical, dental, vision, and life insurance
• 401(k) with generous company match percentage
• PTO & paid holidays
• Student loan repayment and scholarship program
• Employee perks discount program, and more

Schedule

• Hybrid – 3 days in office (standard business hours), 2 days remote (12pm-8:30pm or 1pm-9:30pm)
• Onsite at our office in Indianapolis, IN 46278 (must live within a reasonable commute of the Indianapolis office)

DISCLAIMER: The above information on this description has been designed to indicate the general nature and level of work performed by employees in this classification. It is not designed to contain or be interpreted as an exhaustive list of all responsibilities, duties and qualifications required of employees assigned to this job.