Credit Analyst

HTU; Buffalo (NY); On-site; USD 39,000 - 44,000; Full time

Benefits offered by this job

Medical, dental, and vision coverage

401(k) with company match

Paid time off

Uncapped bonuses averaging $1,800 per月

Job summary

HTU in Buffalo, NY seeks an experienced loan underwriting specialist to manage auto loan applications from dealerships, review and approve loans, and ensure adherence to program guidelines.

You will negotiate non-prime deals, analyze credit data, and collaborate with dealers, sales teams, and funders to drive successful outcomes, while meeting monthly production and quality targets.

Qualifications

• Bachelor’s degree preferred or equivalent combination of education and experience.
• Experience in consumer auto finance or underwriting in financial services preferred.
• No certifications or licenses required.
• Proficiency in Microsoft Office, Google G Suite, and Teams.

Responsibilities

• Follow up with dealerships on automated decisioned loan applications to secure contracts and build lasting relationships.
• Review and approve loans ensuring sales contracts align with program specifications or provide alternative solutions to meet lending guidelines.
• Communicate regularly with dealers, sales/marketing teams, and funders to collaborate on solutions that drive success.
• Negotiate and restructure non-prime deals with dealerships to balance risk and reward.
• Analyze credit reports, customer information, and application structures to make informed underwriting decisions.
• Meet monthly targets for production, quality, and customer satisfaction.
• Assess and manage risk by reviewing loan applications to ensure creditworthiness and compliance with company standards.

Skills

Underwriting

Auto finance

Negotiation

Communication

Education

Bachelor’s degree or equivalent

Tools

Microsoft Office

Google G Suite

Teams

Job description

Your Role

Here’s what you will be doing:

• Follow up with dealerships on automated decisioned loan applications to secure contracts and build lasting relationships.
• Review and approve loans ensuring sales contracts align with program specifications or provide alternative solutions to meet lending guidelines.
• Communicate regularly with dealers, sales/marketing teams, and funders to collaborate on solutions that drive success.
• Negotiate and restructure non-prime deals with dealerships to balance risk and reward.
• Analyze credit reports, customer information, and application structures to make informed underwriting decisions.
• Meet monthly targets for production, quality, and customer satisfaction.
• Assess and manage risk by reviewing loan applications to ensure creditworthiness and compliance with company standards.

About You

The company is looking for:

• Bachelor’s degree preferred or equivalent combination of education and experience.
• Experience in consumer auto finance or underwriting in financial services preferred.
• No certifications or licenses required.
• Proficiency in Microsoft Office, Google G Suite, and Teams.

Compensation & Benefits

• Hourly rate between $28 and $32 based on experience.
• Uncapped bonuses averaging $1,800 monthly.
• Expected total compensation including bonuses ranges from $60,000 to $73,000 annually.
• Comprehensive benefits package including medical, dental, and vision coverage.
• 401(k) investment plan with company match.
• Generous paid time off.
• Additional voluntary benefits and employee perks and discounts.

Training & Development

The training program provides tools and resources necessary for success, including technology and financing programs to support dealer and customer needs.

Career Progression

The company strives to be the employer of choice, supporting employee development and engagement to foster career growth.