Credit Analyst – Subprime Auto Finance

United Auto Credit Corporation

Credit Analyst underwriting subprime auto loans for United Auto Credit. Reviewing applications, structuring deals, and building dealership relationships across four U.S.

Posted 8/10/2026full-timeBuffalo • Florida, New York, North Carolina • 🇺🇸 United StatesMid-LevelSenior💰 $29 - $33 per hourWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in managing loan applications, evaluating creditworthiness, and making informed underwriting decisions while ensuring compliance with lending guidelines. Strong communication and relationship-building skills are essential for collaborating with dealerships and internal teams.

Highest-signal resume keywords

Loan Application ManagementUnderwriting DecisionsCredit EvaluationConsumer Auto Finance ExperienceMicrosoft Office Proficiency

ATS Keywords

Tailor your resume

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

Loan Application ReviewCredit Report EvaluationNon-Prime Deal StructuringContract Compliance AssessmentProduction Target Achievement

Soft Skills

Strong Communication SkillsRelationship-Building Skills

Tools & Technologies

Microsoft OfficeGoogle G SuiteMicrosoft Teams

Industry Keywords

Consumer Auto FinanceUnderwritingFinancial ServicesSales ContractsDealership Collaboration

About the role

Key responsibilities & impact

Review and manage loan applications according to lending guidelines
Follow up with dealerships on automated decisioned loan applications to secure contracts
Ensure sales contracts align with program specifications or provide alternative solutions
Communicate with dealers, sales/marketing, and funders to collaborate on solutions
Structure and restructure non-prime deals
Evaluate credit reports, customer information, and application structures
Make informed, profitable underwriting decisions
Meet monthly production, quality, and customer satisfaction targets
Assess creditworthiness and ensure contracts meet company standards

Requirements

What you’ll need

Bachelor’s degree preferred, or equivalent combination of education and experience
Consumer auto finance or underwriting in financial services experience preferred
Proficiency in Microsoft Office
Proficiency in Google G Suite
Proficiency in Microsoft Teams
No certifications or licenses required
Strong communication and relationship-building skills with dealerships and internal teams

Benefits

Comp & perks

Uncapped bonuses, averaging $800 monthly
Uncapped commission structure starting at deal #1
Medical, dental, and vision coverage
401(k) investment plan with Company match
Paid time off
Generous time off package
Additional voluntary benefits
Retirement plan with employer match
Employee perks and discounts
Training program with tools and resources
Phone/tablet combination
Dealer funding program/tools
Employee surveys
Company picnics
National sales meetings
Online learning tools
March Madness tournaments
Company swag
UACCares volunteering and donation opportunities
Employee wellness initiatives