Credit Analyst - Indirect Underwriting (Auto)
CU Direct Corporation
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Benefits offered by this job
Job summary
Origence is seeking a Credit Analyst II to review and monitor auto loan and lease originations for underwriting and processing. You’ll partner with credit union and dealer teams to improve service and maintain strong relationships. The role requires careful analysis of credit data, documentation, and adherence to underwriting guidelines.
The position offers a structured shift 12:00-9:00 p.m. MST and requires residence in target states.
Qualifications
- High school diploma or equivalency required.
- Four to six years of underwriting experience in consumer lending.
- Knowledge of financial institution operations and regulatory compliance.
- Experience with indirect auto lending or leasing is preferred.
Responsibilities
- Review loan applications and render decisions within underwriting criteria.
- Communicate with credit unions and dealers to build relationships.
- Document decision rationale and gather required underwriting information.
- Assist with loan rehashes and follow up to maximize funding.
Skills
Education
Tools
Job description
With 30 years of fintech leadership, Origence empowers credit unions with innovative SaaS lending solutions that make lending more accessible, efficient, and competitive. We invest in our people and foster a culture of innovation, ownership, and continuous improvement. As we help shape the future of lending, we're leveraging AI and technology to streamline lending operations, enhance decision-making, and create value for our clients. We're seeking individuals who are energized by problem-solving, operational excellence, and the opportunity to make a meaningful impact for our clients, partners, and teams
With 30 years of fintech leadership, Origence empowers credit unions with innovative SaaS lending solutions that make lending more accessible, efficient, and competitive. We invest in our people and foster a culture of innovation, ownership, and continuous improvement. As we help shape the future of lending, we're leveraging AI and technology to streamline lending operations, enhance decision-making, and create value for our clients. We're seeking individuals who are energized by problem-solving, operational excellence, and the opportunity to make a meaningful impact for our clients, partners, and teams
The Credit Analyst II will be responsible for reviewing and monitoring transactions delivered to Origence Lending Services for underwriting, processing, negotiating, and capturing indirect auto loan & lease originations. The Credit Analyst is expected to develop and maintain a high level of customer service with our Credit Union and Dealer partners, to improve their experience working with Origence Lending Services. This role will partner with all departments within CU Direct to establish, maintain, and enhance relationships. Accuracy and understanding of Credit Union and Origence Lending Services guidelines are essential to the success of this position.
- MUST BE LOCATED IN ONE OF THE FOLLOWING STATES: COLORADO, FLORIDA, TEXAS, ILLINOIS, ARIZONA, WASHINGTON, WYOMING, GEORGIA, HAWAII
***Shift for this role is 12:00-9:00 p.m. MST Thursday through Monday (every Tuesday and Wednesday off)***
At Origence, we are self-aware, adaptable, and relentlessly focused on creating meaningful impact. We think like owners, embrace complexity and ambiguity, challenge conventional thinking, and continuously pursue smarter, more effective ways to solve problems and advance the business. We value people who are adaptable, resourceful, and committed to delivering quality outcomes while continuously looking for ways to improve. If this mindset reflects who you are, you may be exactly who we're looking for.
- Develop relationship with credit union representatives to negotiate acceptable terms of loan between credit union and dealership. Communicate effectively with dealers and credit union partners regularly to build rapport. Responsible for reviewing loan applications and rendering decisions within underwriting criteria and approval limits. Gather and review all necessary underwriting information to determine the degree of risk involved with an application, including but not limited to credit bureaus, DTI, LTV, PTI, dealer risk and relationship and decision the application accordingly. Apply decisions in multiple loan origination systems. Adequately document details of decision to explain rationale. Assist with loan rehashes based upon lending and exception guidelines (where applicable.) Follow up on approved applications to maximize funding ratio.
- Follow up with members and/or dealers to collect missing items, stipulations or other miscellaneous documentation. Accurately document and track results of outbound and inbound calls. Responsible for sending completed loan packages to appropriate credit unions for final funding. Increase Origence Lending Services overall capture % in select markets. Monitor applications and contracts delivered to Origence Lending Services from select dealerships. Monitor dealer productivity and assist dealers to increase look to book ratios. Contributes to operational and departmental goals that include but are not limited to: turnaround times and loan volume.
- Participates in implementation of fraud detection techniques, daily processing of fraud tools, and new client implementation. Supports and/or recommends improvement of processes within the department. Participates in the testing of new software and new software releases.
- Work to foster and enhance teamwork within the organization and within the underwriting team. Support Operations Department including but not limited to: processing and funding applications, compliance, call center, and special projects. Work with team and leadership to maintain service level agreement and proper coverage of assigned responsibilities between 7:00 am and 9:00 pm MST, seven days a week. Provide the highest quality products and services to each other and our clients. Consistently promote and model the culture and values of Origence Lending Services. Demonstrates the behaviors aligned with each value with clients and employees across the organization.
- High school diploma or equivalency required.
- Four to six years of underwriting experience in a consumer lending/underwriting environment within a financial institution. General knowledge of financial industry policies and operations is a must.
- Knowledge of financial institution operations, regulatory compliance, point of purchase or indirect auto lending or leasing preferred.
- Previous processing/funding experience is preferred.
- Experience in L360, Meridian Link, or Ideal is preferred.
- Excellent internal and external customer service skills.
- Excellent communication (oral/written) and analytical skills required.
- Must be able to work independently with a high level of initiative.
- Ability to interface with credit union and dealership management for the purpose of creating and furthering a business relationship on behalf of Origence Lending Services.
- Ability to organize, prioritize work, meet deadlines and established goals.
- Ability to work in a fast-paced environment and deliver fast, efficient loan turnaround decisions to the dealers.
- Computer knowledge with Microsoft Office programs to include: Word, Excel and PowerPoint.
- Schedule must be flexible, must be willing to work a varied work schedule to ensure maximum effectiveness within business hours (7:00 am through 9:00 pm MST, 7 days a week).
- Specialized problem-solving and trouble shooting skills.
- Must be a team player.
Bring your attention to detail, problem-solving mindset, and unique perspective. We'll provide the opportunities, tools, and support to help you succeed.
- 401(k) with 8% Company Match
- Flexible Work Environment
- Competitive Paid Time Off
- Tuition Reimbursement & Education Benefits
- Comprehensive Health & Wellness Benefits
- Microsoft Copilot and AI-Enabled Tools
- Continuous Learning & Development Opportunities
- A culture of connection, celebration, and growth through employee-driven programs, company events, holiday celebrations (Star Wars Day), monthly town halls, quarterly company meetings, and team traditions like Bring Your Kid to Work Day
The starting salary range for this full-time position is $20 - $27 per hour. We offer competitive compensation designed to recognize the value, experience, and contributions each team member brings to Origence. Base pay is determined by factors including experience, geographic location, and internal equity, and eligible positions may participate in our annual bonus program.
Origence is an equal opportunity employer. All recruitment, hiring, training, compensation, benefits, discipline, and other terms and conditions of employment will be based upon an individuals’ qualifications regardless of race, religion, color, sex, gender identity, sexual orientation, national origin, ancestry, military service, marital status, pregnancy, age, protected medical condition, genetic information, disability or any other category protected by federal, state or local law
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