Credit Analyst

Credit Analyst

Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we've helped over 7.5 million customers access over $42 billion in consumer credit. With a relentless focus on improving our customers' financial well-being, we build products that put more money in their pocket and support their journey toward a better financial future. We're backed by some of the most prominent technology investors and were most recently valued at $7.3B.

We're consistently recognized for our collaborative and inclusive culture. Most recently, we were named one of the World's Top Fintech Companies by CNBC, Best Places to Work by Built In, Best Places to Work by the San Francisco Business Times, America's Greatest Workplaces by Newsweek, Best Startup Employer by Forbes, and Healthiest Employers by Phoenix Business Journal.

We're looking for new team members who get excited about designing and delivering new and better products. Come join us and help build a better financial future for millions of people.

About the Role

As a Credit Analyst, you will underwrite and process new auto loan applications that are submitted by our auto dealership partners. You will analyze applicants and loan data with a focus on credit worthiness, risk mitigation, pricing, and compliance in accordance with Upgrade Auto's lending policies. This is a hybrid position in our Irvine Office with a standard 40-hour work week that includes rotating morning and evening shifts within an 8-hour workday, as well as occasional weekend coverage.

What You'll Do

• Receive and underwrite new auto loan applications
• Price loan approvals according to market and risk
• Create relationships with auto dealer partners and negotiate with external clients
• Build strong relationships with our internal Dealer Development partners and teams, as well as various stakeholders
• Resolve dealership concerns and existing loan issues that may arise by providing alternative solutions while using reason when dealing with emotional topics
• Assess loan documents and third party data to make informed lending decisions
• Work with the Operations Team to resolve issues that may arise during the funding process
• Stay up to date with current economic trends and industry regulations

What We Look For

• 5+ years of experience in financial services, credit management, auto industry or a related field
• Attention to detail when dealing with individual customer loans and credit files
• Professionalism, ownership, and the ability to work under pressure in challenging situations
• Ability to collaborate with others and work in a team environment
• Excellent verbal and written communication, as well as strong presentation skills
• Highly motivated to set and achieve challenging goals while demonstrating persistence through obstacles

What We Offer You

• Competitive salary and stock option plan
• 100% paid coverage of medical, dental and vision insurance
• Flexible PTO
• Opportunities for professional growth and development
• Paid parental leave
• Health & wellness initiatives

The compensation range of this position is $40-45 per hour plus equity and benefits. Within this range, an individual's base pay will be dependent on a variety of factors, including without limitation, job-related knowledge, skills, education, and experience.

Environmental & Working Conditions

• Work is performed indoors in a fast-paced environment that requires the ability to manage multiple priorities and meet established workflows, schedules, and service expectations.
• Employees regularly input, retrieve, and exchange information accurately using digital systems and applications to support operational and customer service objectives.
• The role requires the ability to receive and exchange information with customers, peers, supervisors, and cross-functional partners through available communication channels, which may include meetings, email, phone, and digital collaboration tools, and may involve real-time, verbal, or in-person exchanges depending on business need.
• Job duties may involve managing a high volume of inbound and/or outbound customer interactions and work activities using telecommunications and computer systems. The role requires the ability to read, analyze, and interpret information displayed on computer screens and remain in a working posture for extended periods, consistent with the demands of the position.
• Work may be performed in a contact center, office, or remote environment, depending on business needs and the nature of the role. Onsite work environments may include shared workspaces, standard office lighting, and moderate background noise typical of customer service or operational settings.
• Employees working remotely are responsible for maintaining a secure and productive workspace with reliable internet connectivity that supports company systems and safeguards the confidentiality of company and customer information.

Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions of the position in accordance with the Americans with Disabilities Act (ADA) and applicable state and local laws.

We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

Upgrade does not accept unsolicited resumes from staffing agencies, search firms, or any third parties. Any resume submitted to any employee of Upgrade without a prior written agreement in place will be considered the property of Upgrade, and Upgrade will not be obligated to pay any referral or placement fee. Agencies must obtain advance written approval from Upgrade's Talent Acquisition department to submit resumes and only in conjunction with a valid, fully executed agreement. English is required for all positions, as it involves interacting with staff at Upgrade's offices worldwide.