Credit Specialist II

Global-Lending-Services; Greenville (SC); On-site; USD 48,000 - 72,000; Full time

Benefits offered by this job

Competitive pay

Medical & dental

401K with match

Paid PTO & holidays

Tuition reimbursement

Parental leave

Casual work environment

Job summary

GLS is seeking a Credit Specialist II in Greenville to review loan requests for exceptions to credit policy and to serve as a training resource for the team.

You will partner with senior leadership to refine criteria, track trends, and provide timely coaching on exceptions, while helping maintain compliance and a high-quality loan portfolio.

This exempt, on-site role offers competitive pay, comprehensive benefits, and opportunities to impact lending decisions.

Qualifications

• Bachelor’s degree required and at least 5 years of underwriting experience.
• Thorough knowledge of credit-related laws and consumer lending concepts.
• Strong analytical and problem-solving abilities.

Responsibilities

• Review requests for exceptions to credit policy to ensure company tolerance.
• Provide coaching and training related to exception requests.
• Analyze trends in policy exceptions and report to leadership.
• Collaborate with senior leadership to refine loan-exception criteria.

Skills

Underwriting experience

Credit policy knowledge

Analytical thinking

Communication skills

Education

Bachelor’s degree

Tools

Microsoft Office

Job description

Why GLS?

Purpose

Access to affordable, reliable transportation is essential to leading productive work and personal lives, caring well for oneself, one’s family, and the needs of others. Through advanced analytics and technology, we can more accurately predict credit risk and provide more people with an affordable auto financing option for their next vehicle. That’s what GLS has done for over 10 years, helping more than half a million families meet and improve their transportation needs.

People

Join a culture of over 1,000 employees who Care Deeply and Think Boldly, driving innovation in an adaptive and positive culture that celebrates successes. We empower and reward individuals and teams who make direct, positive impacts to the business and each other, who take pride in their work and are ever-raising the bar.

Growth

Recognized by Inc 5000 as one of the fastest-growing private companies in America. Join GLS to grow with us!

Benefits

• Competitive base pay and performance bonuses, dependent on role
• Medical, dental, vision, telemedicine, supplemental insurance benefits, long-term and short-term disability
• 401K with employer match and 100% immediate vesting
• Paid Time Off (PTO) and paid company holidays to help you balance work and personal life
• Paid Volunteer Time Off (VTO) Annually
• Tuition Reimbursement
• Parental Leave
• Business casual work environment

What does it mean to be a CreditSpecialist IIat GLS?

The Credit Specialist II is responsible for reviewing all requests for exceptions to established credit policy to ensure such exceptions meet company tolerance. This position will also serve as a primary resource for departmental training initiatives.

How will you drive value within the organization a Credit Specialist II ?

• Work in conjunction with senior leadership to establish, document, continuously evaluate, and modify as necessary the criteria for loans that may qualify for an exception
• Review all requests for exceptions to established credit policy to ensure such exceptions meet company tolerance
• Provide meaningful and timely coaching and feedback related to exception requests that are not within company tolerance
• Track, document, and report to senior leadership trends related to policy exceptions
• Act as the primary resource in the development and delivery of departmental training
• Foster a collaborative culture that facilitates the achievement of business plan objectives by working closely with other associates and members of management

What should you already know to be successful as a Credit Specialist II?

• Minimum of bachelor’s degree required
• A minimum of five (5) years of underwriting experience required
• Thorough knowledge of credit-related laws, consumer lending/underwriting concepts, practices, and procedures required
• Ability to multi-task, prioritize, and effectively manage and work within a team
• Ability to solve problems under pressure and provide creative solutions when necessary
• Proficient computer skills with working knowledge of internet and standard business applications such as Microsoft Office; ability to quickly learn new computer applications as required
• Commitment to exemplifying the organizational core values and key competencies

Employment Requirements:

• Talk and hear to exchange accurate information
• Have close visual acuity to perform activities such as: preparing and analyzing data and figures; viewing a computer terminal; extensive reading
• This is an exempt-level position whereby business needs will dictate the exact work schedule which should be expected to vary, at times coverage until 8:00p may be necessary
• The position does not require travel

2023 California Applicant Privacy Notice

GLS participates in the E-Verify program to confirm the employment eligibility of all newly hired employees

Applicants have rights under Federal Employment Laws

Family and Medical Leave Act (FMLA)

Equal Employment Opportunity (EEO)

Employee Polygraph Protection Act (EPPA)