Credit analyst jobs in California - 371 jobs

Essential Functions Point of contact for all parties regarding Title Review/Clearances, Property Insurance and Closing statuses Engaging Title and Insurance contacts Review the results of the title search, copies of all easements, encumbrances, and any other related title work Request and review closing protection letters and place orders for funding shield certificate Confirm title requirements are met and confirm issuance of required title endorsements, and exceptions to be omitted Request, review and approve pro forma or marked up title work prior to closing Request, review and approve property and liability insurance certificates Request and analyze current real estate tax information Maintaining lenders LOS up to date with current statuses, ensuring data integrity, ie. Property Addresses, APNs, County, Vendor Contacts etc. Perform duties under moderate to close supervision and actively engage supervisor and/or manager to resolve complex issues Remain current on all closing guidelines and compliance requirements Adhering to established SLA's and deadlines Effectively communicate status and expectations to internal staff, attorneys, and escrow/title Utilize time management skills to stay on track with multiple loans at various stages of the funding process Competencies/Skills Strong attention to detail with the ability to stay organized and problem solve in a fast-paced environment Ability to articulate issues, problem solve and analyze with creative and outside of the box thinking Strong communication skills (written and verbal) with internal and external partners; ability to convey findings in a concise and comprehensive manner Effective organization and time management skills Capability to build trusting relationships internally and externally and elicit confidence by demonstrating reliability Strong team player with the ability to work effectively in a cooperative and diverse environment Capacity to analyze processes, support change and think operationally and strategically to achieve business goals Advanced use of Microsoft Office Suite Education and Experience Associate or bachelor's degree Minimum 2 years of direct experience in Title/Escrow or Funding Working knowledge of lending practices and industry standard processes Accessibility: At Archwest, we will make reasonable accommodations to enable individuals with disabilities to perform essential functions. Please just let us know by contacting us at ***************************.

Associates at California Bank & Trust work in a relationship-centered culture where they are provided with the tools, training, and opportunities to build the best possible relationships with our clients and with each other. Our workplace culture values each associate's unique experiences, background and perspectives and provides a collaborative environment for all employees to grow and thrive. As a premier California-focused financial services company dedicated to serving its communities, families, and businesses (small, mid-sized and large), CB&T has been active for 70 years and has more than 80 full-service branch offices across the state. This dedication has helped the bank earn recognition as a perennial powerhouse in yearly voting for "Best Bank" and "Best Commercial Bank" from the readers of San Diego Union-Tribune and Orange County Register. Additionally, as a division of Zions Bancorporation, the bank has collected multiple Greenwich Excellence Awards for "Overall Client Satisfaction" in Small Business & Middle Market Excellence Awards. We are looking for a Credit Analyst to join our Business Lending Services (BLS) team in San Diego, CA. CB&T's Business Lending Services (BLS) team provides both loan underwriting and portfolio management support for our Core Branch Banking network focused on the Middle Market business banking segment. BLS embodies CB&T's Vision, Mission, and Values by providing localized support and the ability to work as a larger team to successfully provide a high level of customer experience. BLS is located across three offices throughout the state and multiple teams that consist of Portfolio Managers, Credit Advisors and Credit Analysts at all experience levels. We offer opportunities for learning and career development, exposure to various commercial loan products, and understanding the entire loan facilitation process. Essential Functions: * Conducts credit investigations and analyzes credit information pertaining to loans. * Investigates all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches. * Analyzes financial statements and related material. * Analyzes financial conditions and trends. * Reviews and reports non-compliance with loan covenants. * Determines cash flow using appropriate spreading application. * Prepares summaries, presents facts, and offers opinions concerning creditworthiness. * Provides credit information and references for customers, loan officers, or other agencies as requested. * May provide rates and loan information to clients. * Ensures that all credit files include proper documentation including current financial statements, agency reports, etc. * Maintains control over current accounts, noting payment progress, watching for any developing problems, and keeping loan officers informed. * Writes credit memorandums. * Accompanies lenders on business calls. * Conducts industry research. * Assists with special projects as assigned. Qualifications: * Requires a Bachelor's degree in Accounting or Finance and 2+ years of credit analysis experience, lending/credit procedures and process or other directly related experience. A combination of education and experience may meet requirements. * Working knowledge of financial and spread analysis and credit/lending procedures for moderately complex loans. * Working knowledge of commercial credit principles, theories, concepts, and techniques. * Ability to work with lending officers and staff. * Solid analysis, research and communication skills, both verbal and written. * Must be detail oriented. * Ability to meet deadlines and make sound decisions regarding loans. * Solid PC skills required. * Working knowledge of spreading/cash flow application is a plus. Benefits: * Medical, Dental and Vision Insurance - START DAY ONE! * Life and Disability Insurance, Paid Paternal Leave, and Adoption Assistance * Health Savings (HSA), Flexible Spending (FSA), and dependent care accounts * Paid Training, Paid Time Off (PTO), and 11 Paid Federal Holidays * 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience * Mental health benefits, including coaching and therapy sessions * Tuition Reimbursement for qualifying employees * Employee Ambassador preferred banking products This position is eligible to earn a base salary in the range of $29 - $38 hourly depending on job-related factors such as level of experience.

Are you looking to help transform a company and an industry? As a Stewart employee, you'll be joining a company that is committed to helping you own, develop, and nurture your career while growing our company. We invest in your career journey because we understand that as you grow so does our company. You will be part of a diverse and equitable work environment that reflects the customers we serve. You'll be empowered to use your unique experiences, passion and skills to help our company constantly evolve and improve. Together, we can achieve our vision of becoming the premier title services company. More information can be found at ************************ subscribe to the Stewart blog at ******************************** or follow Stewart on Twitter @stewarttitleco. Job Description Job Summary The Credit Analyst is responsible for conducting credit investigations and analyzing credit information pertaining to loans. In addition, to verifying and updating credit information as requested by clients in support of the mortgage underwriting process, provides operational support to the production team through the course of the credit report supplement process. Job Responsibilities •Investigates all available sources of credit and financial information. •Provides credit information and references for customers, loan officers, or other agencies as requested. •Performs a wide range of support functions to assist in departmental processes •Follows clearly defined procedures to complete daily tasks and responsibilities •Uses existing procedures to solve straightforward problems without the consistent need to exercise discretion •Uses basic communication skills to address internal and/or external clients and/or team members Individual contributor working under direct supervision with little autonomy •Performs all other duties as assigned by management Education •High school diploma required; Bachelor's preferred Experience •Typically requires 0-2 years of related work experience Equal Employment Opportunity Employer Stewart is committed to ensuring that its online application process provides an equal employment opportunity to all job seekers, including individuals with disabilities. If you have a disability and need assistance or an accommodation in the application process, please contact us by email at *******************. Pay Range & Benefits $38,859.60 - $64,766.00 Annually The base salary range provided is consistent with similar roles at the Company. The base salary range is not an absolute, but a guide, and actual offers will be based on the individual candidate's knowledge, skills, education, experience, location, market conditions, and other compensation components. Depending upon all of the preceding considerations, the base salary may be lower or higher than the stated range. Stewart offers eligible employees a competitive benefits package that includes, but is not limited to a variety of health and wellness insurance options and programs, paid time off, 401K with company match, employee stock purchase program, and employee discounts

San Ramon, CA Exp 15 yrs Degree Bach Relo Bonus Visa Candidates Welcome Job Description We are seeking a qualified and motivated candidate who will ensure accurate reporting of consumer information to credit bureaus, and accurate interpretation of credit bureau data for use in credit decisions. In this role you will: Investigate, analyze, and monitor our credit bureau reporting practices to ensure alignment with legal and compliance requirements, CDIA guidelines, and industry best practices, and making recommendations for improvements where needed. Review credit attributes to ensure accurate coding of credit bureau information for use in credit decisions. Investigate and resolve consumer credit bureau disputes, including a review of internal account records and communication of corrections to the credit bureaus. Serve as the subject matter expert on projects that impact or rely upon credit bureau reporting. Bachelor's Degree in quantitative discipline required 15+ Years of functional/professional experience Alternative: Combination of education and experience (years /description) 20+ years of experience with credit bureau data management Qualifications Bachelor's Degree in quantitative discipline required 15+ Years of functional/professional experience Alternative: Combination of education and experience (years /description) 20+ years of experience with credit bureau data management IDEAL CANDIDATE We are seeking a qualified and motivated candidate who will ensure accurate reporting of consumer information to credit bureaus, and accurate interpretation of credit bureau data for use in credit decisions. In this role you will: •Investigate, analyze, and monitor our credit bureau reporting practices to ensure alignment with legal and compliance requirements, CDIA guidelines, and industry best practices, and making recommendations for improvements where needed. •Review credit attributes to ensure accurate coding of credit bureau information for use in credit decisions. •Investigate and resolve consumer credit bureau disputes, including a review of internal account records and communication of corrections to the credit bureaus. •Serve as the subject matter expert on projects that impact or rely upon credit bureau reporting. Additional Information All your information will be kept confidential according to EEO guidelines. Direct Staffing Inc

Daily Pay / Labor HiTech Staffing Web Public Name. Enterprise > All Options > Administration > Employers > Employer Setup > Web Public Name 10.00 1234 Isla Sorna, t, Sacramento, CA 94203, United States of America

At Open Bank, we pride ourselves on being different and OPEN to new ideas and opportunities for our clients and employees. We celebrate innovation, diversity, teamwork, excellence and integrity. We are an equal opportunity employer and offer competitive compensation and benefits package to recruit, retain and reward top talent. We would like to be your partner in success and happiness! Join our TEAM - Together Everyone Achieves More Job Title: Credit Analyst Department: Credit Admin (HQ Office) We are looking for a Credit Analyst to join our Credit Admin team. The Credit Analyst is responsible for underwriting, documenting, processing, and maintaining lending products and loan files. Assist in evaluating loan applications, analyzing financial data, and supporting the Commercial lending team in making informed credit decisions. Key Responsibilities: * Assist underwriting commercial loan products following the bank's loan policy and procedures, and general prudent lending practices. * Perform credit analysis and spreads on financial information; and communicate with the Senior Credit Administrator on loans. * Perform site visitations to new borrowers and existing borrowers. * Prepare and review files for policy, regulatory, and documentation compliance, including equal credit, fair credit reporting, BSA, and other regulatory requirements. * Follow up with tickler items. * Provide good service to all clients and potential clients of the bank, as needed as required for obtaining necessary documents for other departments of the bank. * Maintains high level of awareness in areas of regulatory compliance, loss prevention, security matters and adherence to Bank's policies and procedures. Requirements/Qualifications: * Bachelor's degree in Business Administration or related field or equivalent work experience required. * Excellent verbal and written communication skills. * Good written and oral communication skills; ability to communicate effectively and project a professional image when giving and taking information in writing, in person, and over the phone. * Ability to respond effectively to the most sensitive inquiries or client complaints. * Present a professional image in dealing with customers, interdepartmental, and external representatives. * Accurate typing/keyboarding skills; basic computer skills, including the use of word processing, spreadsheet software applications, core banking process systems, e-mail and on-line banking programs. * Good analytical skills including the ability to define problems, collect data, establish facts, and draw conclusions. * Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables. * Ability to retain broad knowledge of lending tasks. * Strong analytical skills with a thorough understanding of lending operations and client needs. Employee Benefits & Perks * Medical, Dental, & Vision: Open Bank offers medical, dental, and vision insurance for all full-time employees and their immediate family members. Employees become eligible for insurance benefits on the first of the month following their hire date. * Life, Accidental Death & Dismemberment, & Long-Term Disability: Open Bank pays 100% of the cost. * Flexible Spending Account (FSA): Tax-advantaged financial accounts are offered for employees to pay for eligible out-of-pocket expenses (health, dependent care, transit, and parking) with pre-tax dollars. * 401(k) Retirement Savings Plan: Open Bank matches 100% of the first 6% of employees' contributions. Employees are eligible to participate on the first of the month following 90 days of employment. * Paid Time Off (PTO): Employees begin to accrue PTO hours at the time of hire to use for vacation, illness, or other personal reasons. * Employee Assistance Program (EAP): The EAP offers counseling sessions, online tools and resources, and legal and financial guidance for employees and their family. * Company Paid Lunch: Open Bank provides company paid lunch twice a week. To view current job openings, please visit Open Bank Careers Page: ******************************

Job DescriptionAbout the Role We are seeking a Tax Credit Specialist with expertise in Research & Development (R&D) tax credits to join our growing team. In this role, you will take ownership of performing and completing credit studies, preparing documentation, and delivering final client work products with limited supervision. You will work closely with audit and tax leaders, directly support client engagements, and participate in strategic tax planning initiatives. Key Responsibilities Perform and complete credit studies (including R&D credits) with supporting documentation and client deliverables. Demonstrate advanced technical skills and proficiency in advising clients on federal and state tax credits. Ensure client service assignments are completed within budget and deadlines. Delegate, supervise, and review tax research projects for accuracy and efficiency. Actively participate in client meetings and planning discussions. Collaborate with audit and tax partners, directors, and managers to support larger client engagements with credit calculations and documentation. Requirements Minimum Qualifications 2+ years of public accounting experience, with progressive involvement in federal and state R&D tax credits. Minimum 1 year of supervisory experience (mentoring or directing tax staff). CPA license (active or in process). Commitment to professional development with at least 40 hours of continuing education annually. Strong organizational, research, and client service skills. Benefits Why Join Us Competitive base salary + performance bonus. Overtime at time-and-a-half for staff and seniors. Comprehensive benefits package (medical, dental, vision, retirement). Exposure to diverse clients across industries (public and private). Strong emphasis on career growth and mentorship. Recognized as one of the Best Places to Work with a supportive and entrepreneurial culture.

Job Description👋 Who We Are Assurna is building the financial central nervous system for modern private credit. While Emerging Managers are fueling the economy. We provide the tech-enabled infrastructure that allows these managers to scale without breaking. We are looking for a Process Perfectionist-someone who loves getting the details right. We respect your time. Here is our transparent, streamlined path to joining the team: Video Intro (1 min): Tell us why we should hire you?. Application Review: We look for relevant operations experience. Discovery Call (15-min): A quick vibe check. Practical Assessment: A "Spot the Error" test on a sample loan report. In-Person Interview: Values and culture fit Paid Pilot Project: Work with us, like you're already on the team Founder Final: Strategy discussion with leadership. Offer: If we are both excited, we move fast. 💼 The Opportunity Our engineering team handles the complex coding and math models. Your job is to ensure the inputs and outputs are perfect. You will be the hands-on operator managing the daily flow of data for our clients. You will take raw information (contracts, bank wires) and ensure it flows correctly into the Assurna platform, flagging any anomalies for the tech team. 🔍 Key Objectives Data Onboarding: Review historical loan tapes from new clients, clean up formatting errors, and map the data fields so our Engineering team can ingest them. Daily Reconciliation: Compare our system's expected cash numbers against the actual bank wires. If they match, approve them. If they break, investigate why. Notice Generation: Review automated Interest Payment Notices before they go out to borrowers. Ensure the dates and amounts look correct. Exception Handling: When the software flags a "weird" loan (e.g., a PIK toggle or rate change), you verify the details against the legal document. Client Support: Serve as the first responder for client tickets (e.g., "Why does this report show a different maturity date?"). 🧠 Your Profile The Essentials: 1-3 Years Experience: You have worked in Operations, Loan Servicing, or Fund Administration (e.g., SS&C, Wilmington, or a Bank). Excel Competency: You don't need to write macros, but you are comfortable with VLOOKUPs and filtering large datasets to find discrepancies. Process-Oriented: You love checklists. You don't "wing it." You follow the Standard Operating Procedure (SOP) every single time. Eye for Detail: You are the person who notices a typo in a restaurant menu. You catch errors that others miss. The "Nice-to-Haves": Familiarity with loan terms (Principal, Interest, Maturity, Amortization). Experience using a ticketing system (Zendesk/Jira) or CRM. A background in accounting or bookkeeping is helpful, but not required. 💡 You Belong Here If... You take pride in a clean inbox: You are organized and hate leaving tasks unfinished at the end of the day. You are a team player: You are comfortable handing off complex technical issues to the Engineering team and focusing on the operational execution. You value accuracy over speed: You would rather take an extra minute to double-check a wire than send it quickly with a mistake.

Permira is a global investment firm that backs successful businesses with growth ambitions. Founded in 1985, the firm advises funds across two core asset classes, private equity and credit, with total committed capital of approximately €80bn. The Permira private equity funds make both long-term majority (Buyout) and minority (Growth Equity) investments in four key sectors: Technology, Consumer, Healthcare, Services. The Permira credit funds support businesses with flexible financing solutions across Direct Lending, Strategic Opportunities and CLO Management. Established in 2007, the firm advises investment funds and products which have provided approximately €20 billion of debt capital to over 300 businesses. Led by Ariadna Stefanescu and with € 4 bn assets under management, 10 priced CLOs since 2018 and 1 8 0 + investments, Permira`s CLO management platform counts as one of the leading credit specialists in Europe. Permir a Credit are now seeking to expand their successful CLO Management platform to the US and are looking for a Credit Analyst to join the newly created US team based in Permira's Menlo Park office. Key Responsibilities Perform fundamental credit research on issuers within the US leveraged loan and high yield market, with a view to a potential investment by the Providus CLO funds. This would include analysis both of existing issuers held by the funds, as well as new issuance in the primary markets. The successful candidate would be expected to carry out detailed credit analysis during the underwriting stage, whilst providing regular updates to the Investment Committee thereafter and maintaining buy / sell / hold recommendations. Attend lender meetings and interact directly with both issuer management teams and sell-side counterparties Undertake detailed credit analysis for potential new issuance including risk analysis, market fundamentals, downside cases etc. Develop flexible financial models in MS Excel including in-depth financial analyses and forecasting Review financial, commercial and legal due diligence for potential investments Carry out sector analysis including competitor landscape, market environment, growth prospects etc Consider ESG criteria for all credits in collaboration with the ESG team Liaise with execution trading and loan settlement team as required Maintaining network with issuing banks and other counterparties in the market, representing the platform in a positive way externally Desired Experience / Background Educated to degree level; CFA desirable but not essential Ideally 4-6 years relevant experience with 2-3 years within a debt fund Sound experience of credit analysis - understanding of financial reporting, conducting due diligence and modelling essentials as well as credit instruments such as leveraged loans and high yield bonds Strong fundamental credit research skills, including analysis of business profile, customers, suppliers, competitive positioning, barriers to entry, market growth, collateral / documentary protection, financial analysis (including review of financial statements, KPIs and downside modelling), cash flow generation and de-leveraging prospects. Solid understanding of the broader macroeconomic landscape and how this impacts existing & potential investments Strong presentation skills and the ability to communicate with confidence in a clear & concise manner Intellectual curiosity, team player with a willingness to learn Microsoft Outlook, Excel and PowerPoint to an advanced level. Effective planning and organisation skills; ability to prioritise tasks and deliver to deadlines with strong attention to detail High level of motivation, integrity, energy and enthusiasm To learn how we handle your personal data during the recruitment process, please review our Candidate Privacy Policy. This includes our Supplemental CCPA Notice of Collection where applicable.

Headquartered in San Diego, Mulligan Funding serves as a leading provider of working capital (Up to $5M) to the small and medium-sized businesses that fuel our country. Since 2008, we have prided ourselves on our collaborative, innovative, and customer-focused approach. Enjoying a period of unprecedented growth, driven by the combination of cutting-edge technology, human touch, and unwavering integrity, we are looking to add to our people first culture, with highly motivated and results-oriented professionals, to push the limits of what's possible while creating value for all of our partners. As a Credit Analyst II , you will work closely with experienced credit analysts and underwriters, gaining practical knowledge in financial analysis, risk assessment, and credit decision-making. This role is designed to sharpen your knowledge of assessing the creditworthiness of businesses seeking loans. You will: Analyze financial statements, tax returns, and other financial documents to evaluate the creditworthiness of commercial loan applicants. Assess the financial health of businesses by analyzing key financial metrics, such as liquidity, profitability, and leverage. Prepare credit reports summarizing findings and underwriting recommendations for commercial loan decisions. Collaborate with colleagues to communicate underwriting decisions to loan applicants and address inquiries or provide information. Make underwriting recommendations based on established criteria and policies. Assess the impact of the guarantor on the company's ability to service debt. Performs other duties as assigned. You have: At least 3 years of experience in underwriting or credit analysis, with 2-3 years industry experience being highly desirable. A bachelor's degree in a relevant field such as business, finance, accounting, economics or similar. A solid understanding of GAAP accounting principles and the ability to dissect financial statements and business bank statements. Profound knowledge of the U.S. small business lending landscape, including insights into various industry risk segments. Exceptional organizational, communication, and time management skills. Proficiency in all Microsoft Office products, G-Suite, and the capability to swiftly learn new programs and CRM systems. Superior critical thinking, mathematical, and analytical skills. The capacity to make complex decisions under pressure in a fast-paced setting. We offer: Comprehensive medical, vision and dental benefits that give you peace of mind. Flexible Spending Accounts (FSA) that let you use pre-tax dollars to cover healthcare expenses. A fantastic 401K with matching contributions that helps you plan for retirement and build wealth over time. Generous sick, vacation, and holiday benefits that give you the time and flexibility you need to enjoy life. A gym membership contribution that supports your well-being, and helps you stay energized and focused. An internal referral program that rewards you for bringing talented people to the team. Company events that foster a positive and inclusive culture, and create opportunities to bond and grow with your colleagues. Mulligan Funding is an Equal Opportunity Employer (EOE) and takes great pride in building a diverse work environment. Qualified applicants are considered for employment without regard to age, race, religion, gender, national origin, sexual orientation, disability or veteran status.

Full-time Description Solutions MAZO Capital Solutions is a fast-growing, tech-enabled equipment finance lender powering America's entrepreneurial spirit. We partner with equipment dealers, manufacturers, and online marketplaces nationwide to deliver simple, fast, and flexible financing solutions for small and mid-sized businesses. As MAZO continues its rapid growth as an on-balance-sheet lender, we're expanding our Credit & Risk team to help us say “yes” more while protecting portfolio quality. If you are analytical, detail-oriented, and eager to build a career in commercial credit or financial services, MAZO is an incredible place to learn and grow. Position Overview We are seeking a Junior Credit Analyst who is early in their career and excited to learn the fundamentals of underwriting and credit evaluation. This role supports our Senior Credit Analysts and Underwriters by reviewing documentation, analyzing financial information, and preparing initial credit assessments. This is an excellent opportunity for someone pursuing a future in equipment finance, commercial lending, or risk management. Requirements Key Responsibilities · Assist in reviewing credit applications, bank statements, financials, and credit bureau reports. · Conduct preliminary financial analysis and risk assessment under guidance from senior team members. · Help prepare credit write-ups and summaries outlining key findings and risk considerations. · Communicate with Sales and Business Development teams to gather missing or additional documentation. · Support the structuring of transactions and provide recommendations based on internal guidelines. · Identify potential red flags or inconsistencies within applicant information. · Maintain accurate documentation and support ongoing improvements to underwriting processes. Qualifications · 0-2 years of experience in financial services, lending, banking, equipment finance, or related field (internships welcomed). · Strong analytical skills with an interest in credit, risk, or financial statement analysis. · Ability to interpret bank statements and basic financial documents (training provided). · Excellent written and verbal communication skills. · Highly detail-oriented and comfortable in a fast-paced environment. · Proficient with Microsoft Excel; familiarity with Salesforce is a plus. · Bachelor's degree in Finance, Economics, Accounting, Business, or related field preferred.

Key Responsibilities: * Analyze and render decisions on incoming credit applications for powersports loans, ensuring adherence to company guidelines and risk policies. * Assess borrower creditworthiness through credit reports, structure and other tools. * Collaborate with dealers to negotiate deal terms where necessary, working to maximize capture rate while maintaining credit quality. * Communicate credit decisions clearly and professionally to dealer partners and the sales team. * Build and maintain strong relationships with dealers to support business growth and promote loyalty. * Conduct timely follow-ups on approved applications. * Review and resolve funding exceptions in a timely and accurate manner. * Provide ongoing training to dealer partners on credit processes, funding requirements, and company policies. * Handle both incoming and outgoing calls. * Actively remind and educate dealers on value-added products such as KPP (Kawasaki Protection Plus) to enhance customer offerings and increase product penetration. * Demonstrate excellent verbal and written communication skills in all interactions with internal teams and external partners. * Work closely with internal teams (sales, funding, customer service and credit). * Assist in developing underwriting procedures and training tools. * Collaborate with the Credit Manager to set up the business and ensure adherence to regulatory requirements. * Utilize Microsoft Office and Loan Origination Systems (LOS) to process and manage loan applications. * All other duties as assigned. Qualifications: * A minimum of 5 years of experience in credit analysis in powersports/motor vehicle lending. * Proficiency in Microsoft Office (Word, Excel, PowerPoint). * High school diploma, associate degree or equivalent in Finance, Business, or related field. * Strong interpersonal and relationship management skills. * Proven ability to assess credit risk and make sound lending decisions. * Ability to work independently and collaboratively in a fast-paced and changing environment. * Strong analytical and decision-making skills. * Research and problem-solving capabilities. * Excellent communication and interpersonal skills. * Act as a resource for dealer and staff questions regarding the KMRF's loan programs. * Ability to work on-site at our Foothill Ranch, CA office Profile Differentiators: * Experience in founding, co-founding or working in a fast-paced startup environment. * Experience in Powersports Finance Industry (motorcycle, ATVs UTVs, PWCs) * Experience in a FinTech startup. * Advanced Professional degree Hourly Range: $30.00/hr. - $36.00/hr., based on experience and qualifications. Equal Opportunity: KMRF is an Equal Opportunity Employer; employment with KMRF is governed on the basis of merit, competence and qualifications and will not be influenced in any manner by race, color, religion, gender, national origin/ethnicity, veteran status, disability status, age, sexual orientation, gender identity, marital status, mental or physical disability or any other legally protected status.

Job Purpose: The position of Credit Analyst I is responsible for performing in-depth, thorough financial and collateral analysis and investigation on the credit worthiness of prospective and current clients, which includes ensuring that requested loans conform to Bank's lending policies and procedures and generally accepted underwriting practices that are a necessary component of creating a safe and sound loan. Supports lenders in collection and analysis of loan application data; assists with loan underwriting and is typically responsible for analysis of moderate to complex credit requests; prepares credit related reports and summaries for presentation to loan officers and/or loan committee. Duties & Responsibilities: Primarily serves as credit analyst for various lenders and performs detailed credit analysis of moderate to complex credit requests utilizing financial spreads to determine financial strength. Evaluates business plans, projections, operating records, and financial statements. Effectively communicates information and analytical results to various lenders and senior management. Analyzes historical financial information and projections to determine present and future financial performance. Assesses credit situations from all relevant angles to derive appropriate credit recommendations. Review and identify risks/mitigants associated with 3rd party due diligence reports including but not limited to appraisals, construction cost analysis reports, and environmental reports such as Veracheck's and Phase I's. Generates and compiles Credit Action Reports and Credit Memorandums to be submitted for Loan Approvals. Identifies loan policy exceptions, loan pricing deviations, and strengths and weaknesses of relationships; generates and recommends risk ratings. Interprets and applies Bank policies, governmental legislations, accounting theory, and/or consumer financial regulations. May provide guidance and direction to junior credit analysts. May participate on client calls and site inspections with loan officers. Responsible for assisting with structuring transactions, developing credit recommendations, and loan portfolio monitoring including covenant compliance. Performs annual reviews required for credit relationships. Provides support to loan officers on specific loan situations and calls credit issues to their attention. May assist with special projects in the Credit Administration/Lending Departments as needed. Attend and take meeting minutes for Director's Loan Committee meetings. May assist loan officers with tracking and monitoring financial reporting ticklers and loan covenants. Become proficient in all underwriting aspects of Sageworks including spreading financial statements, pulling credit reports, generating Credit Action Reports, and utilizing Sageworks Workflows to ensure underwriting turnaround times are within the Bank's internal service standards. General: Treats people with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions. Completes administrative tasks correctly and on time; supports the Bank's goals and values; benefits the Bank through outside activities. Comply with all applicable OSHA safety standards, including: Read the workplace safety and health poster at the jobsite. Report hazardous conditions to your supervisor and/or HR Report any job-related injury or illness to your supervisor and/or HR, and seek treatment promptly. Compliance Complies with all bank policies and procedures and all applicable government regulations including, all applicable general lending regulations, staying current and knowledgeable of all policies, procedures and regulations related to the job functions and completing all assigned training on time, requesting additional training as needed to be proficient in all job responsibilities; cooperating with internal and external auditors and bank examiners by providing full cooperation and timely delivery of requested documentation and information; and reporting concerns about compliance to the Compliance Officer to enable prompt remediation. Complies with Bank policies and procedures relating to the Bank Secrecy Act (BSA), and Anti Money Laundering (AML) and Office of Foreign Asset Control (OFAC) guidance. Report suspicious activity to the BSA Department through a Suspicious Incident Report (SIR). Adheres to privacy and information security policies, and ensure all sensitive internal and external customer information is properly secured and safeguarded. Use secure methods delivering client and/or confidential data by email. Demonstrates knowledge of and adherence to Equal Employment Opportunity (EEO) policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; and maintains a diverse workforce. Qualifications: These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines. Bachelor's degree (BA or BS) in Finance, Accounting, Business, Economics, or related field from a college or university and 1 to 2 years prior related experience and/or training in one or more of the following fields: commercial credit, accounting, financial statement preparation/analysis, or other financial analysis. In lieu of a Bachelor's degree, a combined minimum of 7 years higher education and/or work experience in financial industry, including 1 to 2 years prior related experience and/or training in one or more of the following fields: commercial credit, accounting, financial statement preparation/analysis, or other financial analysis. Intermediate to advanced experience, knowledge, skills and training in lending activities, as they pertain to loan underwriting of commercial, consumer, construction, and real estate loans. Ability to read, analyze and interpret general business periodicals, professional journals, and technical procedures. Ability to interpret a variety of instructions furnished in written, oral, diagram or schedule form. High level problem solving skills, organizational and time management skills and ability to work independently with general to minimal supervision. Ability to multi-task and work on multiple requests at the same time while effectively managing work schedule and work flow in order to complete work according to established or identified deadlines. Attention to detail, ensures accuracy in every transaction performed with minimal to no errors, follows through on any corrections. Must be highly competent with advanced skills in computer operation; Microsoft suite of applications, including, word processing, spreadsheet, specialty programs, loan software programs and financial software programs. Advanced math skills; ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs. Exceptional verbal, written and interpersonal communication skills with the ability to communicate thoughts clearly and apply common sense to carry out instructions, write reports and correspondence, speak clearly and professionally to customers and employees. Must be able to communicate throughout the organization and to all levels of staff as well as external contacts. Knowledge of Bank products and services. Ability to deal with problems involving multiple facets and variables in non-standardized situations. Valid, current Driver's License and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities.

Credit Analyst - (250000PG) Description Who We AreThrough our service brands Hyundai Motor Finance, Genesis Finance, and Kia Finance, Hyundai Capital America offers a wide range of financial products tailored to meet the needs of Hyundai, Genesis, and Kia customers and dealerships. We provide vehicle financing, leasing, subscription, and insurance solutions to over 2 million consumers and businesses. Embodying our commitment to grow, innovate, and diversify, we strive to reimagine the customer and dealer experience and launch innovative new products that broaden our market reach. We believe that success comes from within and are proud to support our team members through skill development and career advancement. Hyundai Capital America is an Equal Opportunity Employer committed to creating a diverse and inclusive culture for our workforce. We are a values-driven company dedicated to supporting both internal and external communities through volunteering, philanthropy, and the empowerment of our Employee Resource Groups. Together, we strive to be the leader in financing freedom of movement. We Take Care of Our PeopleAlong with competitive pay, as an employee of HCA, you are eligible for the following benefits:· Medical, Dental and Vision plans that include no-cost and low-cost plan options· Immediate 401(k) matching and vesting· Vehicle purchase and lease discounts plus monthly vehicle allowances· Paid Volunteer Time Off with company donation to a charity of your choice· Tuition reimbursement What to ExpectThe Associate, Consumer Credit is responsible for underwriting consumer applications from Hyundai, Kia and Genesis Dealers. This position is responsible for making credit decisions that meet acceptable underwriting standards within HCA's policies and procedures as well as adhering to all State and Federal regulatory compliance. All Credit Analyst responsibilities should be handled in an expeditious manner per HCA's KPI's. This position requires flexibility and ability to adapt to a multi-functional departmental structure. All positions within the Operations Division are expected to collaborate cross-divisionally to achieve a seamless customer experience; this includes supporting other departments as necessary to meet the business need. What You Will Do1. Analyze information from credit applications utilizing the four C's of credit to make sound credit decisions based on appropriate authority level, while effectively negotiating the terms and conditions of loan decisions via dealer phone calls or electronic rehash. 2. Balance the demands of Production, Sales Support, Risk, and Quality Assessments while maintaining established SLA's. Participate in team meetings and Calibrations to communicate, share trends, review Policies & Procedures and team goals. 3. Follow up for approvals and pending contracts to increase capture rate and monitor dealer's portfolio. Be well versed in eContract and eRehash processes. Conduct Customer Interviews and investigations when needed to facilitate in credit decisions or assist in the funding process. Coach and assist dealers to resolve funding issues and reduce unclean contracts. 4. Performance Coaching: Actively participate in coaching and development sessions/trainings to co-create solutions that enhance individual performance and overall department/team performance. 5. Perform all other duties as assigned. Qualifications What You Will Bring· Minimum 1-year automotive finance experience (Desirable)· Experience with Collections, Funding, Dealer Services, Lease end or Customer Service (Desirable)· Auto finance or related background is preferred· 2 years of experience in fast paced office environment· Experience with Dealer operations or Sales (Desirable)· High school graduate (GED), College Degree preferred· Strong verbal, written and interpersonal skills· Analytical with high attention to detail· Self- starter with excellent time management skills· Well versed on company product offerings, reporting and measurement systems· Ability to negotiate, influence and collaborate both with customers and associates Work EnvironmentEmployees in this class are subject to extended periods of sitting, standing, and walking, vision to monitor and moderate noise levels. Work is performed in an office environment. This position requires flexibility with schedule to include weekends, evenings and holidays. The posted salary range for this job takes into account the wide range of factors that are considered in making compensation decisions including but not limited to skill sets; experience and training; licensure and certifications; geographic location, and other business and organizational needs. Successful candidates may be hired anywhere in the salary range based on these factors. It is uncommon to hire candidates at or near the top of the range. California Privacy NoticeThis notice only applies to our applicants who reside in the State of California. The latest version of our Privacy Policy can be found here. This Privacy Policy provides you with notice, at or before the point of collection, about the categories of personal information to be collected from you, the purposes for which your personal information is collected or used, and whether that information is sold or shared, so that you can exercise meaningful control over our use of your personal information. We are providing this notice to comply with the California Consumer Privacy Act of 2018, as amended as amended by the California Privacy Rights Act of 2020 (“CCPA”). If you have any questions about CCPA regarding California residents or HCA team members, please contact the Privacy Team at Privacy2@hcs. com. Primary Location: United States-California-IrvineWork Locations: Headquarters 1 3161 Michelson Dr. Ste 1900 Irvine 92612Job: Underwriting Op. Job Type: RegularOvertime Status: Non-exempt Schedule: Full-time Minimum Salary: $48,552. 00Maximum Salary: $72,828. 00Job Posting: Dec 10, 2025

Credit Analyst I, II & III Title of Supervisor: Senior Credit Analyst Lead & Supervisor/Assistant Vice President Grade: 9 - 11 River Valley Community Bank is a premier community bank, committed to meeting the needs of our clients with relationship-oriented products and services while creating an environment for our employees to develop and prosper producing enhanced shareholder value. At our bank you will be part of a welcoming and collaborative team, all of whom take great satisfaction in the confident and efficient delivery of banking solutions that drive an exceptional client experience. We take great pride in the trust we have earned and relationships we have established with our customers. We are also proud of and support our employee involvement in community activities and volunteerism in the markets we serve. Credit Analyst I Summary of the Position Provides financial analysis for all types of new and renewal loans at the direction of the Senior Credit Analyst and/or Chief Credit Officer. Provides loan support where needed to ensure timely processing of loan files according to bank policies and procedures. Ensures accurate analysis and responsive turn-around times that satisfy quality service standards. Duties and Responsibilities With supervision, this position includes the following job functions and responsibilities. Audits loan files and application packages for completeness. Prepares a “needs list” for review by assigned Loan Officer or Portfolio Manager and assists with the collection of required loan documentation with direction from the Loan Officer, Relationship Manager or Portfolio Manager, as needed. Assembles new and renewal loan files and reviews files for compliance and completeness. Assists with the preparation and reconciliation of financial spreadsheets which includes the input of financial data into the banks spreading software. Responsible for the upkeep and monitoring of the financial covenant tickler report. Ensures electronic files are organized in a satisfactory manner according to bank guidelines. Works closely with loan officer or portfolio manager in the loan process to ensure timely submission of the completed loan file to Credit Administration. Requests third party reports including but not limited to credit reports, flood certifications, preliminary title reports, environmental and appraisal/evaluation reports. Interacts with Credit Administration, Loan Operations, and other related personnel as needed for loan maintenance and/or troubleshooting. Reviews & audits loan files in preparation for loan documentation and submission to Loan Operations. This process includes, but is not limited to, the preparation of financial certifications, file checklists, and satisfaction of pre-closing loan conditions. Works closely with other credit team members (Loan Officer, RM or Portfolio Manager) to ensure complete and timely files to Loan Operations. Is familiar and complies with applicable company policies and all banking regulations including, but not limited to BSA, USA Patriot/CIP requirements, AML, and all Fair Lending, CRA and Compliance related regulations. Other duties as assigned. Credit Analyst II Summary of the Position Provides semi-complex financial analysis for all types of new and renewal loans at the direction of the assigned credit officer. Ensures accurate analysis and responsive turn-around times that satisfy quality service standards. One or more years of banking, finance, or related experience, such as real estate. In addition to the duties and responsibilities of Credit Analyst I. The Credit Analyst II should have the ability to provide accurate analysis of financial statements and tax returns independently. Review business and/or personal credit reports accurately. Communicates with credit applicants when necessary to develop information Concerning their business needs and earnings to determine whether a loan may be an acceptable risk. Supports the Bank's goals through effective credit analysis of applications for credit. Interacts with credit administration, servicing, operations, appraisal, legal and other related personnel as needed for loan maintenance and/or troubleshooting. Credit Analyst III Summary of the Position Provides complex financial analysis as a Junior-underwriter for all types of new and renewal loans with minimal direction of the assigned credit officer. Ensures accurate analysis and responsive turn-around times that satisfy quality service standards. One or more years of banking, finance, or related experience, such as real estate. In addition to the duties and responsibilities of Credit Analyst I & II. The Credit Analyst III should have the ability to provide accurate analysis of financial statements and tax returns independently. Review business and/or personal credit reports accurately. Communicates with credit applicants when necessary to develop information Concerning their business needs and earnings to determine whether a loan may be an acceptable risk. Supports the Bank's goals through effective credit analysis of applications for credit. Interacts with credit administration, servicing, operations, appraisal, legal and other related personnel as needed for loan maintenance and/or troubleshooting. Qualifications Preferred bachelor's degree in a Finance Related Field. One or more years directly related experience. Limited use and/or application of basic principles, theories, and concepts. Basic knowledge of credit principles and banking products. Cross selling and sales skills. Ability to manage multiple assignments simultaneously. Effective interpersonal, verbal, and written communication skills. Working knowledge of computers and computer software such as Microsoft Word, Microsoft Outlook, Excel, and the Internet. Knowledge of office machines typically used in a banking center such as 10-key adding machine, facsimile, and copy machines. Education High School Diploma or equivalent. Bachelor's degree, or equivalent work experience. Compensation Base salary commensurate with experience and standard employee benefits package. Work Environment Office environment requires sitting and/or standing for one or more continuous hours, some travel within the bank footprint maybe required for client appointments, bank meetings, and community events. This job description is not intended to be all-inclusive. The employee may perform other duties as assigned to meet the ongoing needs of the organization. The job duties and supervisor reporting relationship are subject to change.

Join our team as a Call Back Analyst and play a key role in turning approvals into contracts. You'll call dealerships on applications that have been approved or conditionally approved through our automated decisioning process and will provide solutions with the goal of capturing the contract while assessing the overall risk of the application. Using UACC's common-sense lending approach, you will build strong dealer relationships over the phone, deliver outstanding service, and help drive business growth while representing a trusted brand in the auto finance industry. Essential Duties and Responsibilities As a Call Back Analyst, you'll be the bridge between approvals and signed contracts, turning opportunities into results while building lasting dealer relationships. You will: * Close the loop - Call our dealership partners to rehash approvals with the goal of capturing the contract while providing solutions and assessing the overall risk of the application. * Match the right fit - Ensure sales contracts meet program and guideline specifications or counteroffer to a different program to evaluate risk and price the application accordingly * Be a trusted partner - Work hand-in-hand with dealerships, Area Managers, and our Sales/Marketing team to strengthen relationships and drive success. * Add value to every deal - Review deals with dealers and help structure or restructure them for the best possible outcome. * Bring solutions to the table - Gather key information to recommend alternative products or programs when appropriate. * Educate and empower - Clearly explain the "why" behind credit decisions, helping dealers understand our approach and build confidence in our partnership. * Aim high - Consistently hit or exceed monthly goals for production, quality, and customer satisfaction. * Collaborate for success - Work closely with internal teams like Funding and Sales to keep deals moving smoothly. * Stay adaptable - Jump in where needed to support the team and company goals. Qualifications We're looking for a motivated professional who thrives in a fast-paced, relationship-driven environment. Skills & Abilities * Excellent communication and interpersonal skills * Strong organizational and time management abilities * Proven ability to build relationships with dealers, sales/marketing teams, and peers * Skilled negotiator with a drive to win in a competitive market and ability to think outside the box Compensation Range: * $18.00 - $21.00 an hour, based on experience * Uncapped Bonuses, Averaging $1,100 - $1,500 monthly * Expected Total Compensation including Average Bonuses = $52K - $58k plus!! Education/Experience * Bachelor's degree preferred (or equivalent combination of education and experience) * Auto finance or financial services experience preferred but not required * No certifications or licenses required Technical Skills * Proficient in Microsoft Office, Google G Suite, and Teams Commitment to Diversity and Equal Employment Opportunity United Auto Credit Corporation, a wholly owned indirect subsidiary of Vroom, is an equal opportunity employer committed to creating and supporting a work environment where all employees can find their drive. To do that, we champion a workplace where each and every person is treated with dignity and respect and is valued for their unique perspectives and contributions. We believe our values of SPEED (Service, Progress, Employees, Engagement, and Development) are best realized in an environment, whether physical or virtual, where every individual has the ability to bring their whole selves to work and contribute fully. UACC maintains a working environment that encourages mutual respect and promotes harmonious and friendly relationships among employees. The company prohibits any form of employment discrimination or harassment against employees, applicants, or other protected persons in the workplace based on a protected characteristic(s), regardless of who the source is of such conduct. Protected characteristics include race, color, religion, creed, sex (including gender, sexual orientation, gender identity or expression, or pregnancy, childbirth, or a related medical condition), national origin, ancestry, ethnicity, age, physical or mental disability, genetic information, service in the uniformed services, citizenship, or any other characteristic protected by federal, state, and/or local law. This commitment to antidiscrimination and antiharassment applies to all terms, conditions, and privileges of employment including, but not limited to, recruitment and hiring. UACC likewise provides reasonable accommodations to qualified applicants, employees, or other legally protected individuals in the workplace with a disability to enable them to participate in the job application process, to perform the essential functions of a job, or to enjoy the benefits and privileges of employment equal to those of other employees, except if the accommodation would pose an undue hardship. The company also makes reasonable accommodations for religious beliefs and practices. UACC complies with all applicable federal, state, and/or local laws relating to equal employment. Other Things to Note This posting is not intended to provide a comprehensive account of the duties and responsibilities that may be required of this position. Duties and responsibilities may change or be added at any time, with or without notice. Please review our privacy and CCPA policies.

Allstate Floral is a leading home décor company that has become known for its innovative designs and breadth of high-quality artificial flowers and home décor accessories. Products include decorative flowers, plants, trees, home accents and holiday décor sold through a broad spectrum of global retailers, distributors, and interior designers. Allstate Floral fosters an energetic work environment of creativity and collaboration. As the leading importer with the largest in-stock decorative flowers, greenery and home decor, Allstate Floral is always looking to recruit and retain exceptional people who are skilled, confident, innovative and committed to providing excellent customer service to buyers. POSITION OVERVIEW The Credit Specialist/Sr. Credit Specialist at Allstate Floral are generally responsible for managing debts owed to creditors. This position oversees various operations necessary for resolving client debt repayment and evaluates the credit situation of a customer to identify debtors and credit level. ESSENTIAL FUNCTIONS Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Process customers' credit application and obtain required documents. Analyze and assess customers' creditworthiness. File customer credit application. Response to credit inquiries from mutual vendors. Document customer credit history. Check existing customers' credit with mutual vendors as needed for credit term and limit adjustment. Reply account credit status inquiries from customers, sales representatives, and internal staff. Collect payments from customers. Perform customers' account reconciliation and keep customers' account as current as possible. Establish and maintain regular communications with customers to accelerate periodic payments. Identify delinquent accounts requiring external collection efforts. Initiate collection action against debtors who dodge, ignore, or refuse payment after numerous collection attempts. Document collection activities. File proof of claim for accounts filed bankruptcy. Post payments, make bank deposits, and review reports to apply on account credit and collect short payments. Research deductions, coordinate with Customer Care and Sales to solve the discrepancies. Scan and save copy electronically for all checks, ACHs, wire transfers, and cash deposits. Research credit card charge backs and file dispute if necessary. Provide Credit Processing with copies of the checks indicating deductions taken on the daily bases for account reconciliation and on account credit application purpose. Note payments posted on account. Update postdated payments information to customers' account. Regular and reliable attendance is essential for this role COMPETENCIES Technical Capacity. Business Acumen. Communication Proficiency. Ethical Conduct. Problem Solving/Analysis. Strategic Thinking. WORK ENVIRONMENT This job operates in a clerical office setting. The role routinely uses standard office equipment such as computers, phones, copiers, filing cabinets, and fax machines. When expected to travel to trade shows, the environment becomes the showroom. PHYSICAL DEMANDS The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of the job. This is largely a sedentary role; however, work is performed in an office environment and requires the ability to operate standard office equipment and keyboards. While performing the duties of this job, the employee is regularly required to talk and hear. This position is very active and requires: standing and sitting at will, walking, and bending as necessary; lifting, carrying, pushing, and pulling items up to 35 pounds regularly without assistance and over 35 pounds occasionally with assistance; reaching overhead, at, or below shoulders; gross manipulation with hands and fine manipulation with fingers. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus. POSITION TYPE AND EXPECTED HOURS OF WORK This is a full-time position in our Cerritos, California, headquarters. Business hours are Monday through Friday, 8:30 a.m. to 5:30 p.m., however, additional or changes in hours may be required to meet work expectations. If requested to travel to trade shows, the expected days and hours of work will change accordingly. TRAVEL Travel is primarily locally during the business day. No travel outside of the office is expected for this position. REQUIRED EDUCATION AND EXPERIENCE High School Diploma 3+ years in an office customer service environment Bilingual Spanish proficiency preferred OTHER DUTIES Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice. SALARY RANGE $25.00 hourly EQUAL EMPLOYMENT OPPORTUNITY Allstate Floral provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. Please see our Privacy Notice to California Job Applicants.

Join our team as a Call Back Analyst and play a key role in turning approvals into contracts. You'll call dealerships on applications that have been approved or conditionally approved through our automated decisioning process and will provide solutions with the goal of capturing the contract while assessing the overall risk of the application. Using UACC's common-sense lending approach, you will build strong dealer relationships over the phone, deliver outstanding service, and help drive business growth while representing a trusted brand in the auto finance industry. Essential Duties and Responsibilities As a Call Back Analyst, you'll be the bridge between approvals and signed contracts, turning opportunities into results while building lasting dealer relationships. You will: Close the loop - Call our dealership partners to rehash approvals with the goal of capturing the contract while providing solutions and assessing the overall risk of the application. Match the right fit - Ensure sales contracts meet program and guideline specifications or counteroffer to a different program to evaluate risk and price the application accordingly Be a trusted partner - Work hand-in-hand with dealerships, Area Managers, and our Sales/Marketing team to strengthen relationships and drive success. Add value to every deal - Review deals with dealers and help structure or restructure them for the best possible outcome. Bring solutions to the table - Gather key information to recommend alternative products or programs when appropriate. Educate and empower - Clearly explain the “why” behind credit decisions, helping dealers understand our approach and build confidence in our partnership. Aim high - Consistently hit or exceed monthly goals for production, quality, and customer satisfaction. Collaborate for success - Work closely with internal teams like Funding and Sales to keep deals moving smoothly. Stay adaptable - Jump in where needed to support the team and company goals. Qualifications We're looking for a motivated professional who thrives in a fast-paced, relationship-driven environment. Skills & Abilities Excellent communication and interpersonal skills Strong organizational and time management abilities Proven ability to build relationships with dealers, sales/marketing teams, and peers Skilled negotiator with a drive to win in a competitive market and ability to think outside the box Compensation Range: $18.00 - $21.00 an hour, based on experience Uncapped Bonuses, Averaging $1,100 - $1,500 monthly Expected Total Compensation including Average Bonuses = $52K - $58k plus!! Education/Experience Bachelor's degree preferred (or equivalent combination of education and experience) Auto finance or financial services experience preferred but not required No certifications or licenses required Technical Skills Proficient in Microsoft Office, Google G Suite, and Teams Commitment to Diversity and Equal Employment Opportunity United Auto Credit Corporation, a wholly owned indirect subsidiary of Vroom, is an equal opportunity employer committed to creating and supporting a work environment where all employees can find their drive. To do that, we champion a workplace where each and every person is treated with dignity and respect and is valued for their unique perspectives and contributions. We believe our values of SPEED (Service, Progress, Employees, Engagement, and Development) are best realized in an environment, whether physical or virtual, where every individual has the ability to bring their whole selves to work and contribute fully. UACC maintains a working environment that encourages mutual respect and promotes harmonious and friendly relationships among employees. The company prohibits any form of employment discrimination or harassment against employees, applicants, or other protected persons in the workplace based on a protected characteristic(s), regardless of who the source is of such conduct. Protected characteristics include race, color, religion, creed, sex (including gender, sexual orientation, gender identity or expression, or pregnancy, childbirth, or a related medical condition), national origin, ancestry, ethnicity, age, physical or mental disability, genetic information, service in the uniformed services, citizenship, or any other characteristic protected by federal, state, and/or local law. This commitment to antidiscrimination and antiharassment applies to all terms, conditions, and privileges of employment including, but not limited to, recruitment and hiring. UACC likewise provides reasonable accommodations to qualified applicants, employees, or other legally protected individuals in the workplace with a disability to enable them to participate in the job application process, to perform the essential functions of a job, or to enjoy the benefits and privileges of employment equal to those of other employees, except if the accommodation would pose an undue hardship. The company also makes reasonable accommodations for religious beliefs and practices. UACC complies with all applicable federal, state, and/or local laws relating to equal employment. Other Things to Note This posting is not intended to provide a comprehensive account of the duties and responsibilities that may be required of this position. Duties and responsibilities may change or be added at any time, with or without notice. Please review our privacy and CCPA policies.

ABOUT ALLSTATE FLORAL Allstate Floral is a leading home décor company that has become known for its innovative designs and breadth of high-quality artificial flowers and home décor accessories. Products include decorative flowers, plants, trees, home accents and holiday décor sold through a broad spectrum of global retailers, distributors, and interior designers. Allstate Floral fosters an energetic work environment of creativity and collaboration. As the leading importer with the largest in-stock decorative flowers, greenery and home decor, Allstate Floral is always looking to recruit and retain exceptional people who are skilled, confident, innovative and committed to providing excellent customer service to buyers. POSITION OVERVIEW The Credit Specialist/Sr. Credit Specialist at Allstate Floral are generally responsible for managing debts owed to creditors. This position oversees various operations necessary for resolving client debt repayment and evaluates the credit situation of a customer to identify debtors and credit level. ESSENTIAL FUNCTIONS Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Process customers' credit application and obtain required documents. Analyze and assess customers' creditworthiness. File customer credit application. Response to credit inquiries from mutual vendors. Document customer credit history. Check existing customers' credit with mutual vendors as needed for credit term and limit adjustment. Reply account credit status inquiries from customers, sales representatives, and internal staff. Collect payments from customers. Perform customers' account reconciliation and keep customers' account as current as possible. Establish and maintain regular communications with customers to accelerate periodic payments. Identify delinquent accounts requiring external collection efforts. Initiate collection action against debtors who dodge, ignore, or refuse payment after numerous collection attempts. Document collection activities. File proof of claim for accounts filed bankruptcy. Post payments, make bank deposits, and review reports to apply on account credit and collect short payments. Research deductions, coordinate with Customer Care and Sales to solve the discrepancies. Scan and save copy electronically for all checks, ACHs, wire transfers, and cash deposits. Research credit card charge backs and file dispute if necessary. Provide Credit Processing with copies of the checks indicating deductions taken on the daily bases for account reconciliation and on account credit application purpose. Note payments posted on account. Update postdated payments information to customers' account. Regular and reliable attendance is essential for this role COMPETENCIES Technical Capacity. Business Acumen. Communication Proficiency. Ethical Conduct. Problem Solving/Analysis. Strategic Thinking. WORK ENVIRONMENT This job operates in a clerical office setting. The role routinely uses standard office equipment such as computers, phones, copiers, filing cabinets, and fax machines. When expected to travel to trade shows, the environment becomes the showroom. PHYSICAL DEMANDS The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of the job. This is largely a sedentary role; however, work is performed in an office environment and requires the ability to operate standard office equipment and keyboards. While performing the duties of this job, the employee is regularly required to talk and hear. This position is very active and requires: standing and sitting at will, walking, and bending as necessary; lifting, carrying, pushing, and pulling items up to 35 pounds regularly without assistance and over 35 pounds occasionally with assistance; reaching overhead, at, or below shoulders; gross manipulation with hands and fine manipulation with fingers. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus. POSITION TYPE AND EXPECTED HOURS OF WORK This is a full-time position in our Cerritos, California, headquarters. Business hours are Monday through Friday, 8:30 a.m. to 5:30 p.m., however, additional or changes in hours may be required to meet work expectations. If requested to travel to trade shows, the expected days and hours of work will change accordingly. TRAVEL Travel is primarily locally during the business day. No travel outside of the office is expected for this position. REQUIRED EDUCATION AND EXPERIENCE High School Diploma 3+ years in an office customer service environment Bilingual Spanish proficiency preferred OTHER DUTIES Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice. SALARY RANGE $25.00 hourly EQUAL EMPLOYMENT OPPORTUNITY Allstate Floral provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. Please see our Privacy Notice to California Job Applicants. Powered by JazzHR W9Ydi1r1kM