Credit Analyst

Westlake Services, LLC; Los Angeles (CA); On-site; USD 52,348,800 - 56,481,600; Full time

Benefits offered by this job

Medical, Dental, Vision benefits

Life Insurance

401K matching

Employee Stock Ownership Program

Wellness Programs

Transit benefits

Job summary

Westlake Services, LLC is seeking an underwriting lead in the Acquisitions unit at the Corporate Office in Los Angeles, CA 90010, USA. The role emphasizes underwriting accuracy, profitability, and process improvement, with leadership responsibilities as needed.

You will analyze credit reports and income, verify stipulations, interact with dealers and customers, and monitor deal performance. Strong communication and adaptability are essential in this fast-paced environment.

Qualifications

• Excellent communication and interpersonal skills.
• Strong critical thinking and problem solving.
• Ability to supervise and lead a team.
• Ability to work under pressure in a fast-paced environment.
• Proficient in Windows and MS Office.

Responsibilities

• All aspects of underwriting, including credit report analysis and income calculation.
• Analyze stipulations for validity and ensure deals make sense for the books.
• Interact with customers, dealers, and other creditors to fully investigate deals.
• Supervise DSR and track deal performance and asset returns.
• Provide excellent customer service to dealers and sales reps.
• Manage high-volume calls, emails, and faxes, and generate reports.

Skills

Excellent communication

Leadership

Time management

Detail-oriented

Problem-solving

Multi-tasking

Adaptability

Interpersonal skills

Tools

Windows OS

MS Office

Excel

PowerPoint

Job description

Location

Westlake Services, LLC. | Corporate Office Los Angeles, CA 90010, USA

Description

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 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-, 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 & organisational skills.
• Windows (98, 2000, XP, Vista).
• Microsoft Office Suite (Word, Excel, PowerPoint, Outlook).
• Quickly analyse situations and make decisions.
• Ability to multi‑task and excel in a fast‑paced environment.

Pay Rate

• $18.47 per hour plus bonus.
• 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.

Benefits

• 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).
• 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.

Acknowledgement

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.

Equal Opportunity Employer

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.

Equal Opportunity Employer. This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.