Credit Analyst

Socket.dev; Agoura Hills (CA); On-site; USD 60,000 - 70,000; Full time

Benefits offered by this job

Medical, Dental, Vision benefits

401K matching

Employee Stock Ownership Program

Paid holidays

Job summary

Westlake Financial seeks a Credit Analyst in Agoura Hills, CA to oversee underwriting within the Acquisitions unit. The role focuses on profitability, process improvement, and leading the team when required. Reports to the Regional Originations Manager.

Responsibilities include analyzing credit reports, income, and stipulations, while maintaining strong dealer relationships and delivering accurate reports. Candidate must perform under pressure in a fast-paced environment and drive results.

Qualifications

• Underwriting experience or related financial analysis skills preferred.
• 2+ years in a fast-paced credit or underwriting environment is a plus.
• Strong attention to detail and analytical thinking required.
• Excellent communication and customer interaction abilities.

Responsibilities

• Underwrite deals and analyze credit reports to ensure profitability.
• Analyze income, book value, and stipulations for validity and risk.
• Provide reports and communicate with dealers and customers.
• Supervise and support team performance as needed.
• Maintain accurate records and adhere to compliance standards.

Skills

Excellent communication

Leadership

Problem solving

Time management

Detail-oriented

Adaptability

Team collaboration

Tools

Microsoft Word

Microsoft Excel

PowerPoint

Outlook

Windows OS

Job description

CREDIT ANALYST
Agoura Hills, CA | On-site

Responsible for all aspects of underwriting in the Acquisitions unit to affect maximum possible profitability on a Westlake Financial deal. Focus on process and performance improvement and assume leadership responsibilities of the team as needed. Reports to Regional Originations Manager.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

All aspects of underwriting including credit report analysis, income calculation, book value calculation, scoring of the buy program, analyzing stips for validity (not fraudulent), and in general assuring that the deal “makes sense” for Westlake to put on the books.

• Interacts with customers, dealers, field reps, and various other outside entities (employers, other creditors, etc.) to fully investigate and disposition the deal. Investigate any potential fraudulent stipulations or applications as needed.
• Accountable for deal performance through tracking of early charge-offs in buyer’s portfolio. Directly supervises his/her DSR. Return on Assets will be measured for all deals booked.
• Providing excellent customer service to all dealers and sales reps
• Making and receiving a large volume of calls
• Calling Westlake dealerships for a variety of support- and sales and credit-related issues.
• Managing e-mails & faxes, inbound and outbound calls effectively.
• Generating and distributing reports

ESSENTIAL KNOWLEDGE, SKILLS & LICENSES:

• Must have excellent communication/interpersonal skills
• Solid Critical thinking abilities
• Able to problem-solve
• Supervision/leadership abilities
• Ability to work under pressure and in a fast-paced environment
• Ability to adapt to change
• Strong communication skills (Written and Verbal)
• Detail-oriented
• Exceptional time management & organizational skills
• Windows (98, 2000, XP, Vista)
• Microsoft Office Suite (Word, Excel, PowerPoint, Outlook)
• Quickly analyze situations and make decisions
• Ability to multi-task and excel in a fast-paced environment

Pay Rate:

• $18.47 per hour plus OT & Bonus
• Total Compensation Range of $60,000 to $70,000 annually
• The exact starting compensation to be offered will be determined at the time of selecting an applicant for hire and will be dependent on a wide range of factors, including but not limited to geographic location, skill set, experience, education, credentials, and licensure when applicable.

What benefits do we offer?

• Medical, Dental, and Vision benefits
• Life Insurance and Long-term disability plans
• Flexible Spending Account
• 401K matching
• Employee Stock Ownership Program in a $18.2 Billion Company, plus company matching
• Wellness Programs
• Metro Tap Card and Metro-link Reimbursement (for Los Angeles, CA employees only)
• Career Path Opportunities
• Discounts on Parks, Museums, Movie Tickets, and Attractions
• Employee Loan Assistance
• Annual Flu Shot
• Paid Vacations Days
• Paid Sick days
• Paid holidays
• HGym (available in our Los Angeles, CA & Dallas, TX office)
• Rental Car Discounts, Dell Member Purchase Program
• UKG Wallet

Acknowledgment

We will consider for employment all qualified Applicants, including those with Criminal Histories, in a manner consistent with the requirements of applicable state and local laws, including the City of Los Angeles' Fair Chance Initiative for Hiring Ordinance.

We are an equal opportunity employer and do not unlawfully discriminate in employment. No question on this application is used for the purpose of limiting or excluding any applicant from consideration for employment on a basis prohibited by local, state, or federal law. Equal access to employment, services, and programs is available to all persons. Those applicants requiring reasonable accommodation to the application and/or interview process should notify a representative of the organization.