Iceberg Finance

Analyst

• Analyze a high volume of automotive credit files and make fast, well-informed decisions within tight timeframes
• Assess vehicle collateral: market value, Loan-to-Value (LTV), mileage, year, wear and accident history
• Detect signs of fraud: document inconsistencies, forged pay stubs, contract manipulation, straw borrowers
• Apply risk policies: approval thresholds, pricing matrices, maximum advance amounts, down payments and guarantees
• Manage a high volume of phone calls with dealer partners (F&I) to clarify files, resolve issues in real time, and accelerate the approval cycle
• Recommend appropriate deal structures: term, down payment, co-borrower, and ancillary products
• Document decisions (notes, rationale, supporting documents) and participate in post-funding reviews and quality audits
• Work in synergy with automated tools and the platform’s intelligent workflows to optimize decision-making

Credit Analyst

• Business analysis and software requirements specification
• Gather and analyze the needs of operational teams.
• Translate business needs into clear software requirements (functional and non-functional) that are actionable for developers and architects.
• Facilitate workshops and map current and target processes.
• Produce functional documentation: use cases, BPMN and UML diagrams, and wireframes.
• Project leadership
• Own the management (scope, timelines, dependencies) of technology initiatives from ideation to delivery, ensuring continuity between the business need and the deployed solution.
• Act as the single point of contact for the business unit: define the mandate with managers and directors, draft the project brief, and proactively communicate progress through relevant team channels.
• Actively engage stakeholders across departments throughout the project, from requirements definition to adoption, and escalate any blockers that affect the schedule, such as awaiting architectural approval.
• Software delivery
• Collaborate with development teams.
• Contribute to the creation of test scenarios.
• Participate in quality assurance, integration testing, and user acceptance testing (UAT).
• Assess the impact of changes on processes and systems, and contribute to release planning.
• Solution evaluation and proofs of concept (POC)
• Compare third-party solutions against functional and technical criteria.
• Coordinate POCs with the software development team and vendors.
• Recommend adoption, customization, or rejection of a solution.
• Determine whether a request should be addressed through configuration, automation, or development.
• Change management
• Support planning of change and training activities.
• Train users and support adoption of new solutions.

Solutions Analyst, Bilingual

• Support approvers in the analysis of credit files
• Inbound/outbound calls to complete customer files
• Responding to customer calls and emails
• Data entry of customer files
• Credit adjudication (training provided)
• Providing superior professional service to valued clients.

Agent

• Enter data into client files based on requests from collections agents
• Assess losses
• Verify invoices and ensure accounting payments
• Handle collections files and follow up on auto-related cases
• Send release letters
• Conduct administrative research
• Format Excel spreadsheets
• Send out letters
• Schedule and follow up on appointments (towing, repairs, etc.)
• Submit investigation requests
• Perform other various administrative tasks

Administrative Agent – Collection, Repair Loans

Bilingual Credit Analyst

Inside Sales

• Service provider/merchant outreach: Contact prospective and existing service providers and merchants via inbound and outbound calls, email, and digital channels to understand their financial needs, present relevant financing solutions, and drive sales.
• Product knowledge: Develop a deep understanding of our financial programs and services.
• Sales reporting analysis: Regularly review sales reports and monitor accounts with increases or decreases in sales. Share your analysis findings with the Sales Director and sales teams.
• Sales and conversions: Generate revenue by meeting and exceeding monthly sales targets through a consultative, needs-based selling approach.
• Cross-functional collaboration: Work closely with underwriting and compliance teams to ensure a seamless customer experience from application through approval.
• Service provider/merchant follow-up: Perform regular follow-ups to ensure they are using the service and address any additional questions, reinforcing a positive customer experience.
• Occasional travel / business trips: Work with the sales team to support visits to our service providers, deliver virtual and in-person training, and occasionally attend trade shows, events, and conferences.

Inside Sales Representative, Bilingual

Full-stack Engineer

• Development with React, TypeScript and .NET
• Writing unit tests and integration tests
• Performing peer code reviews
• Requirements analysis and proposing solutions
• Supporting acceptance testing

Full-Stack Web Developer

Business Development Rep

• Deliver effective, custom sales presentations and product demonstrations to prospects
• Provide expertise in auto financing and sales management to support team members.
• Work with industry partners to develop and maintain strong relationships to deliver competitive financing offers.
• Analyze team performance and sales data to identify growth opportunities and adjust strategies accordingly.
• Support the sales team in the field and participate in many in-person meetings.
• Meet the company's sales objectives
• Work closely with other departments such as credit, funding, and marketing to optimize the customer experience.

Credit Analyst

Solutions Analyst, Bilingual

Credit Analyst

Administrative Agent – Collection, Repair Loans

Bilingual Credit Analyst

Inside Sales Representative, Bilingual

Full-Stack Web Developer

Business Development Manager