Credit Analyst – Subprime Auto Finance

About This Opportunity

We are representing a confidential subprime auto finance organization seeking a Credit Analyst to join their underwriting team. In this role, you'll evaluate loan applications, work directly with dealership partners to structure deals, and make critical credit decisions that balance risk and profitability. This is a remote position based in the United States, offering strong earning potential through base compensation plus uncapped monthly bonuses.

Responsibilities

• Review and approve loan applications to ensure they meet lending guidelines and program specifications
• Follow up with dealership partners on automated decisioned applications to secure contracts and maintain strong relationships
• Analyze credit reports, customer information, and application structures to make sound underwriting decisions
• Negotiate and restructure non-prime auto deals with dealerships, balancing risk considerations with business objectives
• Collaborate with sales, marketing, and funding teams to develop solutions that meet both dealer and company needs
• Assess creditworthiness and manage risk across all loan applications
• Meet monthly targets for production volume, quality standards, and customer satisfaction metrics

What We're Looking For

• 2+ years of experience in loan underwriting
• Subprime auto finance experience strongly preferred
• Bachelor's degree preferred, or equivalent combination of education and relevant experience
• Proficiency with Microsoft Office, Google G Suite, and Teams
• Strong communication and relationship-building skills for working with dealership partners and internal stakeholders
• Analytical mindset with ability to evaluate complex credit scenarios
• Demonstrated ability to meet performance targets and deadlines

How We Work With You

When you apply through Get A Job.ai, our recruiting team will review your qualifications and conduct an initial screening. If there's a strong match, we'll submit your profile to our client for consideration. Throughout the interview process, we'll provide guidance and support. Please do not contact the client organization directly—all communication should go through our talent team to ensure the best outcome for your candidacy.

Pay

Our client offers an hourly rate between $28.50 and $33.50 based on experience, plus uncapped monthly bonuses averaging $800. Expected total compensation including average bonuses ranges from $60,000 to $70,000 annually. Additional benefits include medical, dental, vision coverage, 401(k) with employer match, generous paid time off, and employee perks and discounts.

Equal Employment Opportunity

Get A Job.ai is committed to equal employment opportunity. We do not discriminate based on race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran status, or any other protected characteristic. We provide reasonable accommodations to qualified individuals with disabilities and for sincerely held religious beliefs.