[Hiring] Credit Underwriting Analyst @Attain Finance

Role Description

The Credit Underwriting Analyst is responsible for reviewing, analyzing, and adjudicating consumer loan applications to ensure accurate, consistent, and compliant lending decisions. This role evaluates applicant creditworthiness by analyzing:

• Credit reports
• Income verification
• Employment information
• Debt obligations
• Repayment capacity
• Supporting documentation

Working in a fast-paced, high-volume environment, the Credit Underwriting Analyst exercises sound credit judgment to balance prudent risk management with operational efficiency and exceptional customer service. The role is accountable for making timely, well-informed lending decisions that support regulatory compliance, enhance customer experience, and contribute to profitable portfolio growth while maintaining the organization's credit risk standards.

Responsibilities

• Credit Underwriting & Decision Making
  • Review and evaluate customer loan applications to determine applicant eligibility and creditworthiness.
  • Analyze credit reports, income verification, employment information, debt obligations, repayment capacity, and supporting documentation.
  • Approve or decline loan applications within authorized limits and lending guidelines.
  • Exercise sound judgment when assessing complex or exception-based applications.
  • Escalate applications outside delegated authority or present elevated risk to appropriate leadership.
  • Clearly document underwriting decisions, rationale, and supporting analysis.
• Risk Assessment & Compliance
  • Assess and manage credit, operational, and compliance risks throughout the underwriting process.
  • Ensure lending decisions comply with company policies, underwriting guidelines, regulatory requirements, and applicable legislation.
  • Identify inconsistencies, potential fraud indicators, and documentation deficiencies.
  • Maintain the confidentiality and security of customer financial information.
  • Support quality assurance reviews, audits, and compliance initiatives.
• Operational Excellence
  • Meet established service level agreements (SLAs), productivity standards, and turnaround time expectations.
  • Prioritize workloads effectively while maintaining a high degree of accuracy and quality.
  • Maintain complete and accurate underwriting documentation within applicable systems.
  • Identify opportunities to improve workflow efficiency, consistency, and customer experience.
  • Contribute to continuous improvement initiatives that enhance underwriting operations.
• Collaboration & Communication
  • Partner with Branch Operations to clarify application details and obtain additional information required for lending decisions.
  • Communicate underwriting decisions, conditions, and documentation requirements clearly and professionally.
  • Deliver exceptional customer service while balancing operational priorities and risk management.

Qualifications

• 2–3 years of consumer lending, underwriting, or financial services experience.
• Experience reviewing loan applications and making credit decisions.
• Knowledge of credit analysis, income verification, and risk assessment.
• Strong understanding of lending policies, regulations, and underwriting guidelines.
• High school diploma required.
• Strong analytical, organizational, and decision-making skills.

Requirements

• Credit underwriting and consumer lending expertise.
• Credit analysis, risk assessment, and sound decision-making.
• Knowledge of underwriting guidelines, lending policies, and regulatory compliance.
• Ability to interpret credit reports, income verification, and debt-to-income calculations.
• Strong analytical thinking and problem-solving skills.
• Attention to detail with a high level of accuracy.
• Excellent time management and ability to prioritize high-volume workloads.
• Strong verbal and written communication skills.
• Customer-focused with a collaborative team approach.
• Proficiency in Microsoft Office and lending management systems.
• Adaptability and commitment to continuous improvement.

Benefits

• Paid Time Off Program
• Medical, Dental, Vision, Life Insurance, Disability, and other voluntary coverages
• Eligibility to participate in RRSP/DPSP program with company match after 3 months of employment
• Access to the Employee Assistance Program
• Emergency Relief Fund
• Attain4All
• Tuition Reimbursement
• Leadership and Development Programs