Commission Subprime Auto Finance Jobs (NOW HIRING)

Job Summary:
Job Summary:
As a Credit Analyst at United Auto Credit, you'll review and manage loan applications, ensuring they meet lending guidelines and are processed efficiently. You'll follow up with dealerships to secure contracts, restructure non-prime deals as needed, and make sound underwriting decisions based on credit analysis. Strong communication and relationship-building with dealerships and internal teams are key to success in this role.
Experience/Education:

• 2+ years of experience in loan underwriting
• Sub-prime auto finance experience strongly preferred
• Bachelor's degree preferred (or equivalent combination of education and experience)

Essential Duties and Responsibilities:
As a Credit Analyst at UACC, you will:

• Engage with Dealerships: Follow up with dealerships on automated decisioned loan applications to secure contracts and build lasting relationships.
• Review and Approve Loans: Ensure that sales contracts align with program specifications or provide alternative solutions when necessary to meet lending guidelines.
• Build Strong Relationships: Communicate regularly with dealers, the sales/marketing team, and funders to collaborate on solutions that drive success.
• Negotiate and Restructure Deals: Work with dealerships to structure and restructure non-prime deals, ensuring the right balance between risk and reward.
• Analyze Credit Data: Evaluate credit reports, customer information, and application structures to make informed, profitable underwriting decisions.
• Achieve Your Goals: Meet monthly targets for production, quality, and customer satisfaction, driving both personal and team success.
• Assess and Manage Risk: Carefully review loan applications to assess creditworthiness and ensure that all contracts meet company standards.

Compensation

• Hourly rate ranges between $28.50 - $32.50 an hour, based on experience
• Uncapped Bonuses, Averaging $800 monthly
• Expected Total Compensation including Average Bonuses = $60K - $73k

Technical Skills

• Proficient in Microsoft Office, Google G Suite, and Teams

What can you expect from us?
We offer our team members a competitive compensation package that includes an uncapped commission structure (starting at deal #1.)
We also provide you the tools necessary to perform at a high level, from a phone/table combination, to a program that will offer your dealer a way to fund to the most difficult of credit customers, job/income types and even offer subprime financing for a bevy of commercial units.
We also provide a comprehensive benefits package that includes medical, dental, vision, a 401(k) investment plan with Company match, and paid time off. Our training program is designed to provide you with the tools and resources you will need to succeed! We strive to be the company of choice for our employees, customers and dealers!
Benefits:

• Generous Time off package
• Medical/Dental/Vision
• Additional voluntary benefits
• Retirement Plan + Employer Match
• Employee Perks and Discounts

Commitment to Diversity and Equal Employment Opportunity
United Auto Credit Corporation, a wholly owned indirect subsidiary of Vroom, is an equal opportunity employer committed to creating and supporting a work environment where all employees can find their drive. To do that, we champion a workplace where each and every person is treated with dignity and respect and is valued for their unique perspectives and contributions. We believe our values of SPEED (Service, Progress, Employees, Engagement, and Development) are best realized in an environment, whether physical or virtual, where every individual has the ability to bring their whole selves to work and contribute fully.
UACC maintains a working environment that encourages mutual respect and promotes harmonious and friendly relationships among employees. The company prohibits any form of employment discrimination or harassment against employees, applicants, or other protected persons in the workplace based on a protected characteristic(s), regardless of who the source is of such conduct. Protected characteristics include race, color, religion, creed, sex (including gender, sexual orientation, gender identity or expression, or pregnancy, childbirth, or a related medical condition), national origin, ancestry, ethnicity, age, physical or mental disability, genetic information, service in the uniformed services, citizenship, or any other characteristic protected by federal, state, and/or local law. This commitment to antidiscrimination and antiharassment applies to all terms, conditions, and privileges of employment including, but not limited to, recruitment and hiring.
UACC likewise provides reasonable accommodations to qualified applicants, employees, or other legally protected individuals in the workplace with a disability to enable them to participate in the job application process, to perform the essential functions of a job, or to enjoy the benefits and privileges of employment equal to those of other employees, except if the accommodation would pose an undue hardship. The company also makes reasonable accommodations for religious beliefs and practices.
UACC complies with all applicable federal, state, and/or local laws relating to equal employment.
Other Things to Note
This posting is not intended to provide a comprehensive account of the duties and responsibilities that may be required of this position. Duties and responsibilities may change or be added at any time, with or without notice.
Please review our privacy and CCPA policies.
Commitment to Diversity and Equal Employment Opportunity
United Auto Credit Corporation, a wholly owned indirect subsidiary of Vroom, is an equal opportunity employer committed to creating and supporting a work environment where all employees can find their drive. To do that, we champion a workplace where each and every person is treated with dignity and respect and is valued for their unique perspectives and contributions. We believe our values of SPEED (Service, Progress, Employees, Engagement, and Development) are best realized in an environment, whether physical or virtual, where every individual has the ability to bring their whole selves to work and contribute fully.
UACC maintains a working environment that encourages mutual respect and promotes harmonious and friendly relationships among employees. The company prohibits any form of employment discrimination or harassment against employees, applicants, or other protected persons in the workplace based on a protected characteristic(s), regardless of who the source is of such conduct. Protected characteristics include race, color, religion, creed, sex (including gender, sexual orientation, gender identity or expression, or pregnancy, childbirth, or a related medical condition), national origin, ancestry, ethnicity, age, physical or mental disability, genetic information, service in the uniformed services, citizenship, or any other characteristic protected by federal, state, and/or local law. This commitment to antidiscrimination and antiharassment applies to all terms, conditions, and privileges of employment including, but not limited to, recruitment and hiring.
UACC likewise provides reasonable accommodations to qualified applicants, employees, or other legally protected individuals in the workplace with a disability to enable them to participate in the job application process, to perform the essential functions of a job, or to enjoy the benefits and privileges of employment equal to those of other employees, except if the accommodation would pose an undue hardship. The company also makes reasonable accommodations for religious beliefs and practices.
UACC complies with all applicable federal, state, and/or local laws relating to equal employment.
Other Things to Note
This posting is not intended to provide a comprehensive account of the duties and responsibilities that may be required of this position. Duties and responsibilities may change or be added at any time, with or without notice.
Please review our privacy and CCPA policies.