Credit Analyst

First Help Financial (FHF) is a fast-growing and culturally diverse company in the U.S. We provide auto loans to the underserved and care for our customers and partners with exceptional service. Through flexible financing options and tri-lingual support, we offer consumers an easier way to finance their first car. We lend to and support our portfolio which has consistently grown 30%+ each year over the last nine years.

Here you will find hard-working colleagues who come from over 20 countries. We hold ourselves to the highest standards of professionalism but also enjoy our work. Our culture and benefits are geared towards making you successful in life and comfortable at work.

Your Title: Credit Analyst

Your Location: Anywhere within the USA - PST time zone only

You Report To: Underwriting Manager

Your Schedule: 4 days a week 10 hours a day flexibility! Saturday and Monday 10am-8:30pm PST, (the other days will be determined by management)

Compensation: $25.94/hr + plus quarterly bonus!

Learn more about our awesome Underwriting Department

About the opportunity:

You will manage the application origination relationship between FHF and dealers, working methodically to develop a thorough understanding of applicants’ profiles and assess risk by reviewing application information and conducting preliminary phone interviews when needed. Additionally, you are responsible for helping the team meet all monthly and quarterly origination goals by booking approved applications. This will be a full-time, remote position.

Your responsibilities include but are not limited to:

• Make timely and accurate credit decisions within the company’s fair lending, credit, and collateral guidelines.
• Establish and maintain good relationships with dealers.
• Work with the Outside Sales team to improve app flow, look-to-book, and credit quality of our dealer partners.
• Negotiate with dealers to buy deals on the best possible terms for FHF while still maintaining dealer satisfaction.
• Follow up on deals to try to capture business and solicit dealers for new or more business.
• Conduct preliminary credit interviews with prospective clients to validate critical information (when applicable).
• Perform related administrative, clerical, or customer service duties.
• Other projects may apply

What you bring:

• BA/BS degree and/or equivalent work experience
• 1 year of previous financial or banking experience
• Bilingual (English/Spanish or Portuguese)
• Excellent communication skills
• Ability to multitask, self-reliant
• Proficient knowledge of Excel and Outlook

FHF Benefits…

• Great Perks – We offer generous salaries, competitive health and welfare benefits (medical, dental, vision, LTD/STD, Identity theft, paid parental leave and much more), paid vacation, 401(k) match, tuition reimbursement, social activities, monthly lunches, a robust employee recognition and talent development program to enhance your career with us.
• Culture - We are believers in maintaining a healthy work-life balance. While we work hard and care deeply about our customers and partners, we want you to have room for your family, friends, and yourself.
• Growth - Company growth provides unprecedented career growth. FHF’s extraordinary year over year growth in revenue and new markets provides opportunity for you to establish and develop your career growth. We engage each employee to build a career plan that benefits everyone and we have a proven record of investing in you.

Diversity and Inclusion

FHF is committed to building a culture that respects and embraces all walks of life, inclusive of all genders, race, culture, sexual orientation, age, and other identities. We will make accommodations when interviewing anyone with special needs.