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 Senior Credit Analyst is primarily responsible for managing a pipeline of applications delivered to Origence for underwriting, negotiating, processing, and capturing loan opportunities. Additionally, the Senior Credit Analyst supports management in the oversight and development of the applicable programs and staff necessary to achieve strategic goals. Leading by example, the Senior Credit Analyst will maintain a high level of professionalism and exceptional service with our lenders and dealerships, as well a variety of internal and external partners.

What You’ll Be Doing:

Underwriting and Loan Origination activities

• Develop relationships and effectively communicate with all stakeholders involved in the origination of loans and leases across the CUDC network.
• Review credit applications across all CUDC platforms and render sound decisions within defined authority granted by CUDC lenders. Ensure that all relevant information is captured and assessed to render the best possible decision on behalf of CUDC clients. Appropriately document all relevant details and rationale for decisions.
• Follow up with lenders, applicants, and origination sources (e.g. dealers) to ensure that all relevant information and documentation is completed in accordance with lender guidance, and to ensure that CUDC maximizes the share of loans funded to approved opportunities for its lenders.

Assist management team with ongoing efforts and special projects related to training, implementations, systems, testing, quality assurance, staffing optimization, process improvements and documentation.

Create, manage, and analyze reports and metrics to effectively manage application pipelines, operational efficiencies, service levels, and value for CUDC clients and partners.

Actively contribute on cross-functional projects within the organization and with external stakeholders as a subject matter expert in credit analysis and loan originations on behalf of the BPO function for CU Direct.

The Ideal Candidate:

Education:

• Bachelor’s degree or equivalent mix of education and relevant experience required.

Experience:

• Ten years of credit analysis/underwriting experience in within a financial institution or equivalent provider is required.
• Proven experience working in a capacity where conflicting objectives (e.g. risk vs growth or speed vs quality) must be balanced and effectively managed.
• Knowledge of lending operations, regulatory compliance and indirect auto lending experience is required. Additional lending experience (leasing, mortgage, retail finance, etc.) is preferred.
• Experience adjacent to underwriting (e.g. processing, funding, QA, etc.) is a plus.

Specialized Skills:

• Exceptional service-orientation for customers as well as internal and external partners.
• Excellent communication (oral/written) and analytical skills required.
• Must be able to work independently with a high degree of personal initiative to establish goals, organize and prioritize work, and meet aggressive deadlines.
• Capable of effectively engaging with stakeholders at all levels of an organization, from line-level staff to senior executives.
• Proven ability to deliver results in a fast-paced environment with competing objectives and shifting priorities.
• Computer knowledge with Microsoft Office programs to include: Word, Excel and PowerPoint.

Why you should apply:

• Flexible Working Environment
• Paid Time Off
• 401k (8% match)
• College Tuition Benefits/ Tuition Reimbursement
• Good Benefits options
• Company Culture! Cultural and Holiday celebrations, Theme days like Star Wars Day & Bring your Kids to Work Day, Monthly Townhalls and Quarterly Company Meetings that ensure awareness, inclusion, and transparency.

The starting hourly range for this full-time position is $56150 - $66560 a 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.