[Hiring] Indirect Auto Credit Analyst @TEKsystems

Role Description

As an Indirect Auto Credit Analyst, you'll review and underwrite vehicle loan applications submitted through dealership networks on behalf of credit union partners.

• Reviewing indirect auto loan applications and supporting documentation
• Analyzing credit bureau reports and borrower credit history
• Evaluating:
  • Debt-to-Income (DTI)
  • Payment-to-Income (PTI)
  • Loan-to-Value (LTV)
  • Income documentation
  • Overall borrower risk
• Making loan approval, decline, and stipulation decisions within lending guidelines
• Documenting underwriting decisions and rationale within loan systems
• Communicating directly with dealerships and credit union partners
• Following up to obtain missing documentation and loan conditions
• Managing a high-volume queue while meeting production and turnaround goals
• Supporting funding and loan completion activities

Qualifications

• Minimum 3 years of indirect auto underwriting experience
• Experience independently approving, declining, or stipulating auto loan applications
• Strong experience evaluating:
  • Credit reports
  • DTI
  • PTI
  • LTV
  • Income verification documentation
• Experience using at least one of the following loan origination systems:
  • MeridianLink
  • Keystone Correlation
  • CUDL
  • ArcOS
• Ability to thrive in a fast-paced, high-volume environment
• Strong verbal and written communication skills
• Ability to work independently in a remote setting
• Comfortable receiving and implementing feedback

Requirements

• Credit union lending experience (preferred)
• Experience working directly with dealerships (preferred)
• Experience using multiple loan origination systems (preferred)
• Previous remote underwriting experience (preferred)
• Experience mentoring junior underwriters or analysts (preferred)

Benefits

• Medical, dental & vision
• 401(k)/Roth
• Insurance (Basic/Supplemental Life & AD&D)
• Short and long-term disability
• Health & Dependent Care Spending Accounts (HSA & DCFSA)
• Transportation benefits
• Employee Assistance Program
• Time Off/Leave (PTO, Vacation or Sick Leave)

Work Schedule

• First 2 Weeks: Monday-Friday, 9:00 AM-6:00 PM Mountain Time
• Regular Schedule After Training: Thursday-Monday, Tuesday & Wednesday off, 12:00 PM-9:00 PM Mountain Time
• Sundays are required
• Flexibility and weekend availability required

Work Environment

• This is a fully remote position.
• Candidates must reside in one of the following states:
  • Colorado
  • Wyoming
  • Illinois
  • Texas
  • Arizona
  • Florida
  • Washington
  • Georgia
  • Virginia
  • Hawaii
• Applicants must have:
  • Reliable high-speed internet
  • A private, distraction-free workspace
  • Ability to work independently from home

Contract-to-Hire Information

This role begins as a contract position with the intention of converting high-performing individuals into permanent employees.