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Indirect Auto Credit Analyst
TEKsystems. Review and underwrite vehicle loan applications submitted through dealership networks for credit union partners .
Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in vehicle loan underwriting, including evaluating credit reports, DTI, PTI, and LTV, while effectively communicating with dealerships and credit union partners. Proven ability to manage high-volume loan applications and make informed lending decisions within established guidelines.
Highest-signal resume keywords
Indirect Auto Underwriting ExperienceCredit Report EvaluationLoan Origination Systems ExperienceHigh-Volume Environment ManagementStrong Verbal And Written Communication
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Credit Bureau AnalysisDebt-To-Income (DTI) EvaluationPayment-To-Income (PTI) EvaluationLoan-To-Value (LTV) EvaluationIncome Documentation VerificationLoan Approval And Decline DecisionsUnderwriting DocumentationProduction And Turnaround Goals ManagementMentoring Junior UnderwritersRemote Underwriting Experience
Soft Skills
Strong Communication SkillsAbility To Work IndependentlyFlexibilityComfortable Receiving FeedbackAbility To Thrive In Fast-Paced Environment
Tools & Technologies
MeridianLinkKeystone CorrelationCUDLArcOSIdealL360
Industry Keywords
Credit Union LendingDealership CommunicationLoan Completion ActivitiesHigh-Speed Internet RequirementPrivate Workspace Requirement
About the role
Key responsibilities & impact- Review and underwrite vehicle loan applications submitted through dealership networks for credit union partners
- Analyze credit bureau reports and borrower credit history
- Evaluate debt-to-income (DTI), payment-to-income (PTI), loan-to-value (LTV), income documentation, and overall borrower risk
- Make loan approval, decline, and stipulation decisions within lending guidelines
- Document underwriting decisions and rationale within loan systems
- Communicate directly with dealerships and credit union partners
- Follow up to obtain missing documentation and loan conditions
- Manage a high-volume queue while meeting production and turnaround goals
- Support funding and loan completion activities
- Complete two weeks of training Monday-Friday, 9:00 AM-6:00 PM Mountain Time
- Work the regular Thursday-Monday schedule, 12:00 PM-9:00 PM Mountain Time, with Tuesday and Wednesday off
Requirements
What you’ll need- Minimum 3 years of indirect auto underwriting experience
- Experience independently approving, declining, or stipulating auto loan applications
- Strong experience evaluating credit reports, DTI, PTI, LTV, and income verification documentation
- Experience using at least one of: MeridianLink, Keystone Correlation, CUDL, ArcOS, Ideal, or L360
- Ability to thrive in a fast-paced, high-volume environment
- Strong verbal and written communication skills
- Ability to work independently in a remote setting
- Comfortable receiving and implementing feedback
- Must reside in Colorado, Wyoming, Illinois, Texas, Arizona, Florida, Washington, Georgia, Virginia, or Hawaii
- Reliable high-speed internet
- Private, distraction-free workspace
- Ability to work independently from home
- Flexibility and weekend availability, including Sundays
- Comfortable working evenings and weekends
- Credit union lending experience preferred
- Experience working directly with dealerships preferred
- Experience using multiple loan origination systems preferred
- Previous remote underwriting experience preferred
- Experience mentoring junior underwriters or analysts preferred
Benefits
Comp & perks- 100% remote work environment
- Contract-to-hire with strong long-term potential
- Equipment provided (laptop, dual monitors, headset, keyboard, mouse)
- Performance-based career advancement opportunities
- Supportive leadership and team environment
- Medical, dental & vision
- Critical Illness, Accident, and Hospital insurance
- 401(k)/Roth retirement plan with pre-tax and Roth post-tax contributions
- Basic/Supplemental or Voluntary Life & AD&D insurance
- Short- and long-term disability
- Health & Dependent Care Spending Accounts (HSA & DCFSA)
- Transportation benefits
- Employee Assistance Program
- Time Off/Leave (PTO, Vacation or Sick Leave)