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We are seeking a detail-oriented and analytical Credit Analyst to evaluate the creditworthiness of high-risk applicants. The ideal candidate has experience in subprime lending, a strong understanding of alternative credit data, and the ability to balance risk with business growth in a fast-paced, compliance-driven environment.
Credit Analyst Key Responsibilities:
- Analyze credit data, income documentation, and financial statements of subprime applicants.
- Assess risk and provide recommendations on lease approvals, modifications, or declines in alignment with company policy and risk appetite.
- Leverage alternative credit data sources—including personal and business credit reports, bank statements, and background checks—for comprehensive credit assessments.
- Perform manual underwriting and apply professional judgment beyond standard credit scores and models.
- Ensure compliance with federal, state, and internal regulations, including FCRA, ECOA, and fair lending laws.
Credit Analyst Qualifications:
- Bachelor’s degree in Finance, Accounting, Economics, or a related field.
- 2+ years of experience in credit analysis, underwriting, or risk management, preferably in subprime auto, personal, or mortgage lending.
- Strong understanding of subprime borrower behavior and associated risk factors.
- Proficiency in credit scoring models, underwriting systems, and financial analysis tools.
- Exceptional analytical, organizational, and decision-making skills.
- Experience with manual underwriting is highly desirable.
- Ability to excel in a fast-paced, high-volume environment.
- Familiarity with technology tools such as Excel and Salesforce.
- Experience in fintech or non-traditional lending environments.
Credit Analyst Competencies:
- Risk Awareness
- Analytical Thinking
- Sound Judgment
- Attention to Detail
- Integrity and Confidentiality
- Sense of Urgency
At Goodwin Recruiting, we are committed to our core values and providing world class customer service. We are committed to helping our clients navigate and comply with the complex and ever-changing labor laws as well as help ensure that in every hiring decision, internally and with our client partners, that all viable candidates are considered, and the most qualified candidate is offered the role. We evaluate the knowledge, skills, and abilities that meet the requirements of the position and aim to open doors and change lives. We value all people, understanding that uniqueness and diversity foster a stronger team that is innovative and brings varying perspectives to the table. We put our money where our mouth is and are proud of our efforts to identify a broad slate of candidates, with many hiring success stories to share.
JOB ID: 167498
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Jeremy Hamon