Funding Analyst, Indirect

The Funding Analyst I – Indirect is required to follow a thorough process (review, research, analyze, audit, verify) of submitted automotive loan applications and adhere to basic tenets of sub-prime auto credit (ability to pay, stability, debt repayment history, deal structure & collateral). In addition, they will communicate and explain the decision to appropriate individuals. Program eligibility and funding guideline verification procedures must comply with internal policies, fair lending practices, and other applicable state/federal laws. The Analyst will be required to meet set goals/targets for productivity, quality, customer satisfaction, and relationship management (between Sales, Credit, and the Dealership Manager).
What is a day in the life at Flagship as a Funding Analyst, Indirect?

• Reviews and analyzes the loan application and documentation to ensure the information is complete, accurate, and complies with company standards, applicable regulations, and secondary market guidelines
• Communicate effectively to internal and external personnel regarding application status to inform relevant parties and expedite the validation process
• Efficiently utilize the tools, resources, and time available to them to complete the validation process to ensure we remain compliant and within company guidelines
• Build and maintain relationships with external partners and applicants
• Provide exemplary service levels in accordance with internal company policy
• Work as part of a team to ensure that Company quality and volume objectives are exceeded
• Perform other related duties as required or as assigned

About you:

• Knowledge of the indirect lending industry, retail installment loan contracts, vehicles and collateral valuation, loan terms including buy rates, contract rates, LTV, front and back LTV, dealer mark-up, reserve and participation, ancillary products, title documentation, lien perfection, and regulatory requirements
• Ability to apply critical thinking when performing job duties
• Exceptional attention to detail, organization, and time management skills including the ability to prioritize
• Exceptional relationship-building skills, maintaining a professional and customer-oriented approach
• Strong interpersonal, written, and oral communication skills
• Ability to work in a fast-paced, high-intensity, time-sensitive environment
• Flexibility to work nights, Saturdays, and holidays

Education (Required/Preferred):

• Required: High School Diploma or equivalency
• Preferred: Bachelor’s degree

Experience (Required/Preferred):

• Preferred: Minimum of 1+ years’ experience in automotive lending or consumer credit environment. Funding or Credit Underwriting experience
• Preferred: Proficient or advanced skills in Microsoft Office applications including Outlook, Word, and Excel. Familiarity with Loan Origination systems

Flagship is an Equal Employment Opportunity Employer
We believe that diversity, equity, and inclusion among our associates is critical to successfully achieving our vision and mission, and we seek to recruit, develop, and retain the most talented people from a diverse candidate pool based on merit, qualifications, and business need.

Compensation
Our compensation packages are based on a variety of factors, including but not limited to, skill set, experience, qualifications, and other job specific conditions.

If you’re interested in partnering with a certified Great Place to Work company that encourages you to be your best, visit www.FlagshipCredit.com/Careers for a complete list of career opportunities and information on our company.