Credit Analyst

Upgrade, Inc.; Atlanta (GA); On-site; USD 45,000 - 55,000; Full time

Benefits offered by this job

Competitive salary and stock options

100% paid medical, dental, vision insurance

PTO

Professional growth opportunities

Paid parental leave

Health & wellness initiatives

Job summary

A fintech company in Atlanta is seeking a Credit Analyst to underwrite and process auto loan applications. The role involves analyzing creditworthiness, negotiating with auto dealers, and resolving loan issues. Ideal candidates will have 5+ years in financial services and strong communication skills. Join us to make a meaningful difference in people's lives with innovative financial products.

Qualifications

• 5+ years of experience in financial services, credit management, or related field.
• Detail-oriented when analyzing loan applications and credit files.
• Ability to work under pressure in challenging situations.

Responsibilities

• Underwrite and process new auto loan applications.
• Negotiate with auto dealer partners and external clients.
• Assess loan documents and data to make lending decisions.
• Resolve dealership concerns and existing loan issues.

Skills

Attention to detail

Professionalism

Collaboration

Communication skills

Motivation

Job description

Upgrade is a fintech company that provides affordable and responsible credit, mobile banking, and payment products to everyday consumers. We were the fastest growing company in the Americas last year according to the Financial Times and Upgrade Card was the fastest growing credit card in America two years in a row. We have delivered over $33 billion in affordable and responsible credit to our 5.5M customers. The company is backed by some of the most prominent technology investors and was recently valued at $6.3B.

We have built an energizing, collaborative and inclusive culture where team members help each other, learn and innovate to move the company and its customers in the right direction, and own the outcome of their efforts.

Upgrade has been named a “Best Place to Work in the Bay Area” three years in a row, “Top Companies to work for in Arizona” and one of the "Best Engineering Department" awarded annually by Comparably. We've also received recognition for being a best company for Diversity, Women, Culture, and Veterans.

We are looking for new team members who get excited about designing and delivering new and better products to join a team of 1850 talented and dedicated professionals. Come work with us if you like to tackle big problems and make a meaningful difference in people's lives.

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 position requires you to be available to work on weekends.

What You’ll Do:

• Receive and underwrite auto loans for new and used vehicles
• 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
• Asses 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
• PTO
• Opportunities for professional growth and development
• Paid parental leave
• Health & wellness initiatives

#BI-Hybrid

For California residents:Upgrade's CaliforniaNotice 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.

Seniority level

• Seniority level

  Mid-Senior level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Finance and Sales

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