Credit Analyst – Subprime Auto Finance

United Auto Credit Corporation

Credit Analyst underwriting subprime auto loans for United Auto Credit. Reviewing applications, structuring non-prime deals, and building dealership relationships.

Posted 8/10/2026full-timeFort Worth • Colorado, Illinois, Texas • 🇺🇸 United StatesMid-LevelSenior💰 $29 - $34 per hourWebsite

Core Competencies

Role fit

Core Competencies

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

Demonstrates expertise in evaluating credit reports and making informed underwriting decisions while building strong relationships with dealerships and internal teams. Proficient in structuring non-prime deals and ensuring compliance with lending guidelines.

Highest-signal resume keywords

Credit AnalysisUnderwriting DecisionsLoan Application ReviewRelationship BuildingConsumer Auto Finance Experience

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

Credit Report EvaluationLoan StructuringDecision MakingContract ReviewQuality Assessment

Soft Skills

CommunicationCollaborationProblem Solving

Tools & Technologies

Microsoft OfficeGoogle G SuiteMicrosoft Teams

Industry Keywords

Consumer Auto FinanceUnderwritingFinancial ServicesSales ContractsLending Guidelines

About the role

Key responsibilities & impact

Follow up with dealerships on automated decisioned loan applications to secure contracts and build lasting relationships
Review and approve loans to ensure sales contracts align with program specifications
Provide alternative solutions when necessary to meet lending guidelines
Communicate with dealers, the sales/marketing team, 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
Review loan applications to 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
Proficient in Microsoft Office, Google G Suite, and Teams
No certifications or licenses required
Ability to review credit reports, customer information, and loan application structures
Ability to make sound underwriting decisions based on credit analysis
Ability to communicate and build relationships with dealerships and internal teams

Benefits

Comp & perks

Uncapped bonuses, averaging $800 monthly
Uncapped commission structure starting at deal #1
Phone/tablet combination
Program to help dealers fund difficult credit customers, job/income types, and commercial units
Medical, dental, and vision benefits
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
Employee surveys
Company picnics
National sales meetings
Online learning tools
March Madness tournaments
Company swag
UACCares volunteering and donation opportunities
Employee wellness initiatives