Credit/Income Risk Analyst

LOCATION: Remote
DATE OPEN: May 5th, 2021
JOB NUMBER: 4011
EDUCATION: College Degree (preferred but not required)
JOB TYPE: Full Time

APPLY BY EMAIL

Job Details

POSITION SUMMARY:

As a Credit/Income/Funding Analyst, you are responsible for all aspects of underwriting in the Acquisitions unit to affect maximum possible profitability on a NorthLake Financial deal. Focus on process and performance improvement and assume leadership responsibilities of the team as needed. Reports to VP, Loan Originations.

ESSENTIAL DUTIES & RESPONSIBILITIES

All aspects of underwriting including credit report analysis, income calculation, book value calculation, scoring of the buy program, analyzing stipulations for validity (not fraudulent) and in general assuring that the deal “makes sense” for NorthLake Financial Corporation to put on the books.

  • Interacts with dealers, field reps, and various other 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
  • Providing excellent customer service to all dealers and sales reps
  • Making and receiving a large volume of calls
  • Calling Northlake dealerships for a variety of support- and sales and credit related issues
  • Managing e-mails & faxes, inbound and outbound calls effectively
  • Generating and distributing reports

ESSENTIAL KNOWLEDGE, SKILL & LICENSES

  • 1-3 years Credit/Income or Funding Experience preferred
  • Knowledge of Equifax Credit Bureau’s would be an asset
  • 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 communications skills (written and verbal)
  • Detail-oriented
  • Exceptional time management & organizational skills
  • Windows (98, 2000, XP, Vista)
  • Microsoft Office Suite (Word, Excel, PowerPoint, Outlook)
  • Quickly analyze situations and make decisions
  • Ability to multi-task and excel in a fast-paced environment

EDUCATION AND/OR EXPERIENCE

  • College Degree preferred but not required