Credit Analyst

Credit Analyst
Los Angeles, CA | On-site role

Job Description:

Responsible for all aspects of underwriting in the Originations unit to affect maximum possible profitability on a Westlake Direct deal. Focus on process and performance improvement and assume leadership responsibilities of the team as needed.  Reports to the Director of Operations and Vice President.

All aspects of underwriting including credit report analysis, income calculation, book value calculation, scoring of the Buy Program, analyzing stips for validity (not fraudulent) and in general assuring that the deal “makes sense” for Westlake to put on the books.

• Interacts with customers, dealers, field reps, and various other outside entities (employers, other creditors, etc.) to fully investigate and disposition the deal. Investigate any potential fraudulent stipulations or applications as needed.
• Accountable for deal performance through tracking of early charge offs in buyer’s portfolio. Return on Asset will be measured for all deals booked.
• Providing excellent customer service to all dealers and sales reps
• Making and receiving a large volume of calls
• Calling Westlake dealerships for a variety of support- and sales and credit related issues.
• Managing e-mails & faxes, inbound and outbound calls effectively.
• Generating and distributing reports

Work Experience Requirements:

• Automotive, Finance, Sales and Lending Experience; beneficial
• Previous Loan Processing, Credit Analyst or Loan Office Experience; preferred

Knowledge, Skills, Licenses:

• Must have excellent communication/interpersonal skills
• Solid Critical thinking abilities
• Able to problem solve
• Supervision/leadership abilities
• Ability to work under pressure and in a fast-paced environment
• Ability to adapt to change
• Strong communications skills (Written and Verbal)
• Detail-oriented
• Exceptional time management & organizational skills
• Windows (98, 2000, XP, Vista)
• Microsoft Office Suite (Word, Excel, Power point, Outlook)
• Quickly analyze situations and make decisions
• Ability to multi-task and excel in a fast-paced environment

Education Requirements:

• College Degree preferred
• The exact starting compensation to be offered will be determined at the time of selecting an applicant for hire and will be dependent on a wide range of factors, including but not limited to geographic location, skill set, experience, education, credentials, and licensure when applicable.

FULL TIME BENEFITS

• Medical, Dental, and Vision benefits 
• Life Insurance and Long-term disability plans 
• Flexible Spending Account 
• 401K matching 
• Employee Stock Ownership Program in a $18.2 Billion Company, plus company matching 
• Wellness Programs 
• Metro Tap Card and Metro-link Reimbursement (for Los Angeles, CA employees only) 
• Career Path Opportunities 
• Discounts on Parks, Museums, Movie Tickets, and Attractions 
• Employee Loan Assistance  
• Annual Flu Shot
• Paid Vacations Days 
• Paid Sick days 
• Paid holidays 
• HGym (available in our Los Angeles, CA & Dallas,TX office) 
• Rental Car Discounts, Dell Member Purchase Program 
• UKG Wallet 

ACKNOWLEDGMENTS
We will consider for employment all qualified Applicants, including those with Criminal Histories, in a manner consistent with the requirements of applicable state and local laws, including the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance.
We are an equal opportunity employer and do not unlawfully discriminate in employment. No question on this application is used for the purpose of limiting or excluding any applicant from consideration for employment on a basis prohibited by local, state, or federal law. Equal access to employment, services, and programs is available to all persons. Those applicants requiring reasonable accommodation to the application and/or interview process should notify a representative of the organization.