About the Role
The Credit Analyst role is responsible for evaluating the financial background and creditworthiness of applicants seeking auto loans or lease financing. In this role you will use financial data, credit reports, and other relevant information to make informed decisions and recommendations on loan approvals. Your analysis will directly influence the company's risk management and profitability.
Key Deliverables
* Review and analyze loan applications, including credit reports, income statements, and other financial documents.
* Assess the applicant's ability to repay the loan based on credit history, income, employment stability, and debt‐to‐income ratio.
* Identify potential red flags or high‐risk applicants and escalate as appropriate for further review.
* Make recommendations on loan applications based on your overall assessment while adhering to policy, procedure and guidelines.
* Collaborate with sales, operations, and underwriting teams to ensure a great customer experience.
* Ensure all assessments are conducted with appropriate research and reflect current policies and standards.
Key Stakeholders
* Dealer Managers
* Dealerships
* POI & Settlements
* Risk
Qualifications
* Bachelor's degree in finance, accounting, economics, or related field preferred but not essential.
* Prior credit underwriting experience is essential.
* Exposure to consumer and commercial lending is preferred.
* Auto finance industry experience is highly regarded.
* Strong understanding of financial statements, credit reports, and risk assessment tools.
* Excellent attention to detail and analytical skills.
* Strong communication skills for liaising with clients and internal teams.
* Proficiency in Microsoft Excel, financial modelling, and other analytical tools.
Employee Benefits
* Birthday leave: Enjoy a day off on your birthday.
* Health and wellbeing leave: Take some well‐deserved 'me' time.
* Volunteering day: Make an impact with a day dedicated to giving back.
* $500 ergonomic equipment reimbursement: Invest in comfort and productivity with support for your work setup.
* Recruitment referral program: Receive up to $5,000 for successful hires.
* Employee rate program: Access best auto finance rates for your next car purchase.
* Paid parental leave: Time to support your growing family.
* SPARK: Employee benefits program covering discounts and wellbeing support.
* Purchased annual leave: Gain extra flexibility by purchasing additional leave.
* Diversity flex leave: Observe culturally significant days with an alternate day that better aligns with cultural values.
Equal Opportunity Statement
Angle Auto Finance is committed to attracting, retaining and strengthening the performance of a diverse, equitable and inclusive workforce. It is our commitment to ensure equal employment opportunities without discrimination or exclusion on the basis of cultural heritage, colour, religion, citizenship status, age, sex, sexual orientation, gender identity or expression, marital or domestic/civil partnership status, disability, veteran status, genetic information or any other basis protected by law.
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