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Open nowPosted 7 days ago

Senior Credit Analyst

CU Direct16 open roles

Pay
$59,000 – $73,700 a year
Where
US, Remote
Work mode
Remote
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Your applicationOpen nowSenior Credit AnalystCU Direct · US, Remote
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12.3% of postings close within 7 days. Measured by our own scanner across the market.

Share of postings closed within
  1. 2.1%1 day
  2. 4.5%3 days
  3. 12.3%7 days
  4. 19.7%14 days
  5. 35.6%30 days
  6. 58.0%60 days
This job: posted 7 days ago

The posting

Shaping the Future of Lending

With 30 years of fintech leadership, Origence empowers credit unions with innovative SaaS lending solutions that make lending more accessible, efficient, and competitive. We invest in our people and foster a culture of innovation, ownership, and continuous improvement. As we help shape the future of lending, we're leveraging AI and technology to streamline lending operations, enhance decision-making, and create value for our clients. We're seeking individuals who are energized by problem-solving, operational excellence, and the opportunity to make a meaningful impact for our clients, partners, and teams

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.

The Origence Mindset

At Origence, we are self-aware, adaptable, and relentlessly focused on creating meaningful impact. We think like owners, embrace complexity and ambiguity, challenge conventional thinking, and continuously pursue smarter, more effective ways to solve problems and advance the business. We value people who are adaptable, resourceful, and committed to delivering quality outcomes while continuously looking for ways to improve. If this mindset reflects who you are, you may be exactly who we're looking for.

How You'll Contribute:

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.

What Makes You a Great Fit:

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.

Your Strengths & Expertise

  • 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.

Bring your attention to detail, problem-solving mindset, and unique perspective. We'll provide the opportunities, tools, and support to help you succeed.

How We Invest in You:

  • 401(k) with 8% Company Match
  • Flexible Work Environment
  • Competitive Paid Time Off
  • Tuition Reimbursement & Education Benefits
  • Comprehensive Health & Wellness Benefits
  • Microsoft Copilot and AI-Enabled Tools
  • Continuous Learning & Development Opportunities
  • A culture of connection, celebration, and growth through employee-driven programs, company events, holiday celebrations (Star Wars Day), monthly town halls, quarterly company meetings, and team traditions like Bring Your Kid to Work Day

Recognizing Your Impact

The starting salary range for this full-time position is $59000- $73700 per year. We offer competitive compensation designed to recognize the value, experience, and contributions each team member brings to Origence. Base pay is determined by factors including experience, geographic location, and internal equity, and eligible positions may participate in our annual bonus program.

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

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