Bilingual Credit Analyst

As a Bilingual Credit Analyst at First Help Financial, your responsibilities will primarily revolve around managing the application origination relationship between FHF and our dealers. You'll make timely credit decisions aligned with our guidelines, maintain dealer relationships, and work closely with our Outside Sales team to improve application flow and credit quality. Additionally, conducting preliminary interviews with applicants and handling administrative tasks will be part of your role.

To qualify for the Bilingual Credit Analyst position at First Help Financial, you should have a BA/BS degree or equivalent work experience, along with at least one year of prior financial or banking experience. Being bilingual in English and either Spanish or Portuguese is essential. Strong communication skills, multitasking abilities, and proficiency in Excel and Outlook are also required to excel in this role.

The Bilingual Credit Analyst position at First Help Financial offers a flexible schedule of 4 days a week, 10 hours a day. Specifically, you will work Saturdays and Mondays from 10 am to 8:30 pm PST, while the other two workdays will be determined by management. This setup allows for a great work-life balance while maintaining productivity at FHF.

As a Bilingual Credit Analyst at First Help Financial, you'll enjoy an array of perks including a competitive hourly salary of $25.94 and the opportunity for quarterly bonuses. Our benefits package encompasses medical, dental, and vision coverage, a 401(k) match, tuition reimbursement, and generous paid vacation days. We emphasize a healthy work-life balance, and our culture fosters both personal and professional growth.

The company culture at First Help Financial is inclusive and diverse, reflecting a commitment to building a workplace that respects all walks of life. As a Bilingual Credit Analyst, you’ll find yourself among hard-working colleagues who come from over 20 different countries. FHF emphasizes maintaining a healthy work-life balance, encourages employee engagement, and provides opportunities for continuous career growth through tailored career development programs.

When assessing risk, focus on gathering detailed information from the applicant's profile, analyzing credit scores, income documentation, and any previous loan behavior. Highlight your analytical skills and your ability to communicate effectively, especially when dealing with clients who speak different languages.

In a challenging relationship with a dealer, it's essential to stay calm and professional. Define the issue clearly and involve the dealer in finding a solution. Emphasize your commitment to maintaining positive relations while also negotiating the best terms for FHF.

Choose an example where you managed multiple applications or calls simultaneously. Detail the strategies you used to prioritize tasks while ensuring each one received the attention it needed. Highlight your organizational skills and ability to focus under pressure.

Improving application flow can involve direct communication with dealers to gather feedback on obstacles they're facing. Propose tools or techniques to streamline the process and ensure that quality remains high. Emphasize your collaborative spirit with outside sales teams and commitment to continual improvement.

Start by creating a welcoming environment for the interview. Clearly communicate the purpose and ask open-ended questions to gather essential data while validating their information. Tailor your approach based on whether the client speaks English, Spanish, or Portuguese, and ensure you're actively listening to their needs.

Discuss your personal strategies, such as setting boundaries for work hours, scheduling regular breaks, and staying organized. Emphasize how these strategies enhance your productivity and well-being, which in turn benefits the team and company.

It’s vital to regularly engage in professional development, including attending workshops, webinars, and industry conferences. Additionally, reading up-to-date articles and joining professional associations can provide valuable information on lending laws and regulations.

In negotiating terms, approach the discussion as a partnership. Be transparent about what FHF can offer and actively seek to understand the dealer's needs. Use data to support your points and be open to compromise while ensuring that both parties see value.

Technology plays a crucial role in streamlining tasks and enhancing efficiency. Using analytical tools and software allows for quicker data assessment, while communication platforms help maintain a strong relationship with dealers. Highlight your adaptability to new technologies that can aid in the analysis process.

Express your passion for helping underserved communities find financing solutions and align your values with FHF's mission. Discuss how the innovative culture, diverse team, and growth opportunities at FHF excite you, and how you believe your skills can contribute to the company's success.