About Origence

With 30 years at the forefront of fintech innovation, we specialize in SaaS lending solutions that lead the industry. Our core mission is customer-centric, focusing on empowering Credit Unions across the United States with the tools to offer accessible, competitive lending services. We're deeply committed to enhancing the financial ecosystem for a broad network of credit unions, members and auto dealers. We invest in our greatest assets, our employees, and foster a culture of innovation and ownership through freedom and responsibility. We celebrate fiscal accountability, operational rigor and efficiency to create a sustainably healthy and robust business for the long term.

The Lead Credit Analyst serves as a subject matter expert and operational resource for the Credit Analyst team, bridging day-to-day underwriting excellence with structured knowledge transfer and data-driven performance insight. This role is responsible for designing and delivering training programs, providing structured mentorship across the IC career ladder, and developing analytics that inform underwriting quality, team performance, and portfolio trends. The Lead Credit Analyst partners directly with the Sr. Director, Operations & Lender Support and supervisory leadership to translate operational data into actionable improvements, support staff development, and ensure the team operates at a consistently high standard. Accuracy, program expertise, and the ability to build capability in others are fundamental to success in this role.

Principal Responsibilities / Objectives

Training & Knowledge Transfer

• Design, maintain, and deliver structured onboarding and continuing education programs for Credit Analyst I through Sr. Credit Analyst levels, covering underwriting fundamentals, credit union program specifics, OLS guidelines, and applicable regulatory requirements.
• Develop and maintain written training curricula, reference guides, decision frameworks, and system-specific job aids (including Temenos, L360, Meridian Link, Correlation Keystone, Loans PQ, and Ideal) that are accessible and consistently applied across the team.
• Conduct regular training sessions in response to identified skill gaps, product or program changes, new client onboarding, and system implementations; evaluate effectiveness through quality metrics and decisioning accuracy trends.
• Partner with supervisory leadership to identify development needs and create individualized learning plans for analysts progressing through the career ladder.
• Document and maintain process and procedure updates in coordination with Sr. Credit Analysts and Operations leadership to ensure training content reflects current guidelines.

Mentorship & Team Development

• Serve as a dedicated mentor and technical resource for Credit Analyst I, II, and III team members, providing structured guidance on complex credit decisions, exception requests, and program-specific challenges.
• Conduct second reviews and quality audits with a coaching orientation, using individual decision patterns to identify development opportunities and deliver targeted, constructive feedback.
• Collaborate with the Supervisor, Credit Analyst to monitor individual analyst performance trends and contribute to performance conversations, calibration discussions, and development planning.
• Model and reinforce professional communication standards, decisioning discipline, and relationship management practices expected at each level of the career ladder.
• Support a culture of continuous learning by facilitating peer knowledge sharing, lessons-learned discussions, and best-practice adoption across the underwriting team.

Data Analytics & Performance Intelligence

• Build, maintain, and regularly deliver analytics reporting on key underwriting performance indicators including approval rates, funding ratios, look-to-book ratios, decisioning quality scores, SLA adherence, and exception volume by analyst and client.
• Analyze underwriting decision data to identify trends, outliers, and systemic risk patterns; translate findings into actionable recommendations for leadership and process owners.
• Develop and maintain dashboards and reporting tools that provide supervisors and the Sr. Director with real-time and periodic visibility into team and portfolio performance.
• Conduct root cause analysis on quality escapes, SLA misses, and exception trends; partner with Operations leadership to develop corrective action plans supported by data.
• Contribute to the design of performance metrics and reporting frameworks aligned with OLS operational goals and credit union partner requirements.

Underwriting

• Maintain an active underwriting load to preserve subject matter expertise and credibility as a training and mentoring resource; decisions must reflect the highest standards of accuracy, compliance, and credit quality.
• Underwrite across multiple credit union partners, products, and loan origination systems at a proficiency level consistent with Sr. Credit Analyst expectations.
• Serve as an escalation resource for complex or high-risk applications, second-look exceptions, and novel credit scenarios outside standard decisioning guidelines.

Operations & Stakeholder Support

• Support new client implementations by developing program-specific training content, facilitating analyst readiness assessments, and serving as a subject matter resource during onboarding.
• Participate in testing and implementation of new software, systems, and product offerings; document system-specific workflows and translate changes into updated training materials.
• Represent the underwriting team in cross-functional meetings with Operations, Quality Assurance, and client-facing teams; contribute underwriting perspective to process improvement initiatives.
• Participate in client meetings and partner calls as requested by the Sr. Director to provide operational and analytical support.

Education

Bachelor's degree in Business, Finance, Economics, or a related field preferred. Associate's degree with equivalent experience considered. Relevant professional certifications (e.g., NAFCU, CUNA lending certifications) a plus.

Experience

• Minimum of five to seven years of underwriting experience in consumer indirect or direct lending within a financial institution, credit union, or BPO/FinTech lending services environment.
• Demonstrated experience delivering training, onboarding, or structured mentorship in a lending operations context; formal instructional design or curriculum development experience preferred.
• Hands-on experience building operational reports, performance dashboards, or analytical models using Excel, SQL, Power BI, Tableau, or comparable tools required.
• Experience underwriting across multiple credit union programs, loan origination systems, and product types; proficiency with Temenos, L360, Meridian Link, Correlation Keystone, Loans PQ, or Ideal strongly preferred.
• Knowledge of indirect auto lending, regulatory compliance, and financial institution operations required; experience with BPO or outsourced lending services delivery is a significant plus.
• Previous involvement in client implementations, process improvement initiatives, or operational quality programs preferred.

Specialized Skills

• Exceptional analytical and data interpretation skills; ability to identify meaningful patterns in complex datasets and communicate findings clearly to both technical and non-technical audiences.
• Strong instructional and facilitation skills; able to design learning experiences that translate technical underwriting knowledge into transferable skills for analysts at multiple levels.
• Advanced proficiency with Microsoft Excel (pivot tables, advanced formulas, data modeling); working knowledge of Power BI, Tableau, or equivalent reporting tools required.
• Excellent written and oral communication skills; able to produce professional documentation, training content, reports, and executive-level summaries.
• High degree of independent judgment and initiative; comfortable operating without close supervision in a fast-paced, multi-client environment.
• Ability to interface credibly with credit union and dealership partners, as well as internal Operations, Quality, and leadership stakeholders.
• Demonstrated ability to manage competing priorities and deliver on multiple workstreams simultaneously — training, analytics, mentoring, and production underwriting.
• Commitment to schedule flexibility within OLS underwriting business hours (7:00 AM – 9:00 PM MST, 7 days a week) as the role requires.

The starting salary for this full-time position is $52,400- $65,600 per year. This base pay will take into consideration internal equity, candidate’s geographic region, job-related knowledge and experience among other factors. Origence maintains a highly competitive compensation program. Under company guidelines, this position is eligible for an annual bonus to provide an incentive to achieve targeted goals. Bonuses are awarded at company’s discretion on an individual basis.

Origence is an equal opportunity employer. All recruitment, hiring, training, compensation, benefits, discipline, and other terms and conditions of employment will be based upon an individuals’ qualifications regardless of race, religion, color, sex, gender identity, sexual orientation, national origin, ancestry, military service, marital status, pregnancy, age, protected medical condition, genetic information, disability or any other category protected by federal, state or local law.