Consumer Credit Analyst

Role Overview

• Manage financing options offered to homeowners and prospective customers by identifying the most suitable lending programs based on customer qualifications and needs.
• Interact with customers, lenders, and Design Consultants (DCs) to obtain additional credit information, documentation, and loan stipulations required for financing approval.
• Provide customer and sales support through phone and email correspondence, ensuring timely communication regarding application status, loan conditions, and financing options.
• Maintain and update customer records by accurately entering and reporting loan information within the company's credit platform (CFW).
• Analyze key financial ratios, including Payment-to-Income (PTI), Debt-to-Income (DTI), and Credit Utilization, to determine loan eligibility and obtain optimal loan terms for customers.
• Review and analyze consumer credit reports from TransUnion, Experian, and Equifax to assess credit risk and financing opportunities.
• Maintain thorough knowledge of current lending partners, financing programs, underwriting guidelines, and products offered.
• Evaluate loan applications and supporting documentation to ensure completeness and compliance with lender requirements.
• Monitor loan pipelines and follow up on pending applications to facilitate timely approvals and funding.
• Collaborate with sales teams to structure financing solutions that meet customer needs while adhering to lender guidelines.
• Communicate financing decisions, conditions, and next steps to customers and internal stakeholders.
• Stay current on industry trends, lending regulations, and credit policies impacting consumer financing.

Requirements

• Associate's or Bachelor's degree in Finance, Business Administration, Accounting, or related field preferred.
• Minimum of 2 years of experience in credit analysis, consumer lending, finance, banking, or a related field.
• Strong understanding of credit reporting, underwriting principles, and consumer lending practices.
• Experience analyzing PTI, DTI, credit utilization, and other financial metrics.
• Proficiency in reviewing credit reports from TransUnion, Experian, and Equifax.
• Excellent analytical, problem-solving, and decision-making skills.
• Strong verbal and written communication skills.
• Ability to manage multiple priorities in a fast-paced environment.
• Proficiency with Microsoft Office Suite and credit management software platforms.

Benefits

• Medical, dental, vision, and life insurance.
• 401(k) with generous company match percentage.
• PTO & paid holidays.
• Student loan repayment and scholarship program.
• Employee perks discount program, and more!