Credit Analyst – Subprime Auto Finance

United Auto Credit Corporation

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

Posted 8/10/2026full-timePhoenix • Arizona, California, Nevada • 🇺🇸 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 consumer auto finance and underwriting, with a strong ability to evaluate creditworthiness and structure non-prime deals. Proficient in collaborating with dealerships and internal teams to meet production and customer satisfaction targets.

Highest-signal resume keywords

Consumer Auto Finance ExperienceUnderwriting ExpertiseCredit Evaluation SkillsLoan Approval ProcessMicrosoft Office Proficiency

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Loan StructuringCredit Report AnalysisDecision-MakingContract ReviewAlternative Solutions Development

Soft Skills

Relationship BuildingCollaborationCommunication

Tools & Technologies

Google G SuiteMicrosoft Teams

Industry Keywords

Financial ServicesNon-Prime DealsLending GuidelinesSales ContractsCustomer Satisfaction Targets

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, sales/marketing, and funders to collaborate on solutions
Structure and restructure non-prime deals
Evaluate credit reports, customer information, and application structures
Make informed and 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, Google G Suite, and Teams
No certifications or licenses required

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