Credit Analyst

Westlake Financial Services; Agoura Hills (CA); On-site; USD 60,000 - 70,000; Full time

Benefits offered by this job

Medical, Dental, and Vision benefits

Life Insurance

Long-term disability plans

401K matching

Employee Stock Ownership Program

Wellness Programs

Paid Vacation Days

Paid Sick days

Paid holidays

Metro Card stipend

Job summary

Westlake Financial Services in Agoura Hills, CA is seeking a Credit Analyst to underwrite deals, analyze credit reports, and calculate income and book value. You will score buy programs, verify stipulations for validity, and help ensure the deals make sense for the company to book.

Leadership responsibilities may be assigned as needed. You will interact with customers and dealers, monitor deal performance, and generate critical reports while maintaining excellent customer service in a fast-paced

Qualifications

• Strong analytical abilities for credit report analysis and income calculation.
• Ability to supervise and lead a team in a fast-paced environment.
• Excellent communication and problem-solving skills.
• Detail-oriented with strong time-management and organizational capabilities.

Responsibilities

• Underwrite in the Acquisitions unit to maximize profitability.
• Analyze credit reports, calculate income and book value, and score buy programs.
• Investigate potential fraud and monitor deal performance and dealer relations.
• Generate and distribute reports; manage calls, emails, and faxes; provide customer service.

Skills

Excellent communication

Critical thinking

Problem solving

Supervision/leadership

Work under pressure

Adapt to change

Written and verbal communication

Detail oriented

Time management

Multi-tasking

Tools

Windows OS

Microsoft Office

Excel

Word

PowerPoint

Outlook

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.