Financial Analyst
Goodwin RecruitingAustin, TX, United States1 day ago
Job type
- Full-time
Job descriptionBachelor's degree in Finance, Accounting, Economics, or a related field. 2+ years of experience in credit analysis, underwriting, or risk management, preferably in subprime auto, personal, or mortgage lending. Strong understanding of subprime borrower behavior and associated risk factors. Proficiency in credit scoring models, underwriting systems, and financial analysis tools. Exceptional analytical, organizational, and decision-making skills. Experience with manual underwriting is highly desirable. Ability to excel in a fast-paced, high-volume environment. Familiarity with technology tools such as Excel and Salesforce. Experience in fintech or non-traditional lending environments. Risk Awareness Analytical Thinking Sound Judgment Attention to Detail Integrity and Confidentiality Sense of Urgency
We are seeking a detail-oriented and analytical Credit Analyst to evaluate the creditworthiness of high-risk applicants. The ideal candidate has experience in subprime lending, a strong understanding of alternative credit data, and the ability to balance risk with business growth in a fast-paced, compliance-driven environment.
Credit Analyst Key Responsibilities :
- Analyze credit data, income documentation, and financial statements of subprime applicants.
- Assess risk and provide recommendations on lease approvals, modifications, or declines in alignment with company policy and risk appetite.
- Leverage alternative credit data sources-including personal and business credit reports, bank statements, and background checks-for comprehensive credit assessments.
- Perform manual underwriting and apply professional judgment beyond standard credit scores and models.
- Ensure compliance with federal, state, and internal regulations, including FCRA, ECOA, and fair lending laws.
Credit Analyst Qualifications :
Credit Analyst Competencies :
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Financial Analyst • Austin, TX, United States