CREDIT ANALYST
Agoura Hills, CA | On-site
Responsible for all aspects of underwriting in the Acquisitions unit to affect maximum possible profitability on a Westlake Financial deal. Focus on process and performance improvement and assume leadership responsibilities of the team as needed. Reports to Regional Originations Manager.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
All aspects of underwriting including credit report analysis, income calculation, book value calculation, scoring of the buy program, analyzing stips for validity (not fraudulent), and in general assuring that the deal “makes sense” for Westlake to put on the books.
- Interacts with customers, dealers, field reps, and various other outside entities (employers, other creditors, etc.) to fully investigate and disposition the deal. Investigate any potential fraudulent stipulations or applications as needed.
- Accountable for deal performance through tracking of early charge-offs in buyer’s portfolio. Directly supervises his/her DSR. Return on Assets will be measured for all deals booked.
- Providing excellent customer service to all dealers and sales reps
- Making and receiving a large volume of calls
- Calling Westlake dealerships for a variety of support- and sales and credit-related issues.
- Managing e-mails & faxes, inbound and outbound calls effectively.
- Generating and distributing reports
ESSENTIAL KNOWLEDGE, SKILLS & LICENSES:
- Must have excellent communication/interpersonal skills
- Solid Critical thinking abilities
- Able to problem-solve
- Supervision/leadership abilities
- Ability to work under pressure and in a fast-paced environment
- Ability to adapt to change
- Strong communication skills (Written and Verbal)
- Detail-oriented
- Exceptional time management & organizational skills
- Windows (98, 2000, XP, Vista)
- Microsoft Office Suite (Word, Excel, PowerPoint, Outlook)
- Quickly analyze situations and make decisions
- Ability to multi-task and excel in a fast-paced environment
Pay Rate:
- $18.47 per hour plus OT & Bonus
- Total Compensation Range of $60,000 to $70,000 annually
- The exact starting compensation to be offered will be determined at the time of selecting an applicant for hire and will be dependent on a wide range of factors, including but not limited to geographic location, skill set, experience, education, credentials, and licensure when applicable.
What benefits do we offer?
- Medical, Dental, and Vision benefits
- Life Insurance and Long-term disability plans
- Flexible Spending Account
- 401K matching
- Employee Stock Ownership Program in a $18.2 Billion Company, plus company matching
- Wellness Programs
- Metro Tap Card and Metro-link Reimbursement (for Los Angeles, CA employees only)
- Career Path Opportunities
- Discounts on Parks, Museums, Movie Tickets, and Attractions
- Employee Loan Assistance
- Annual Flu Shot
- Paid Vacations Days
- Paid Sick days
- Paid holidays
- HGym (available in our Los Angeles, CA & Dallas, TX office)
- Rental Car Discounts, Dell Member Purchase Program
- UKG Wallet
Acknowledgment
We will consider for employment all qualified Applicants, including those with Criminal Histories, in a manner consistent with the requirements of applicable state and local laws, including the City of Los Angeles' Fair Chance Initiative for Hiring Ordinance.
We are an equal opportunity employer and do not unlawfully discriminate in employment. No question on this application is used for the purpose of limiting or excluding any applicant from consideration for employment on a basis prohibited by local, state, or federal law. Equal access to employment, services, and programs is available to all persons. Those applicants requiring reasonable accommodation to the application and/or interview process should notify a representative of the organization.
Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.
Skills Required
- Excellent communication and interpersonal skills
- Strong critical-thinking abilities
- Problem-solving ability
- Supervision and leadership abilities
- Ability to work under pressure in a fast-paced environment
- Ability to adapt to change
- Strong written and verbal communication skills
- Detail-oriented work style
- Exceptional time-management and organizational skills
- Windows proficiency
- Microsoft Office Suite proficiency, including Word, Excel, PowerPoint, and Outlook
- Ability to quickly analyze situations and make decisions
- Ability to multitask in a fast-paced environment
What We Do
People. Purpose. Passion. These are the hallmarks of Westlake Financial Services, and have been since our inception in 1988. Westlake specializes in prime to sub-prime automotive financing, helping car dealerships do what they do best: sell cars. Our unique credit approval software (known as "The Buy Program ©") allows dealers to get an on-the-spot loan approval with out waiting for callbacks, fax-backs, or rehashes. Westlake Financial is an Internet based, privately held finance company that specializes in the acquisition and servicing of prime, sub-prime, and non-prime automotive retail installment contracts. Headquartered in Southern California, Westlake originates indirect retail installment contracts through a network of 21,000 new and used car dealers throughout the United States. All collections and servicing are performed in-house from its central facility located in the Mid-Wilshire area of Los Angeles. Westlake's success didn't just happen overnight. It took years of hard work, cultivation, and smart intuition to get to where we are today. Not content to rest on our laurels, Westlake continues to build and refine, always keeping our dealers and customers in mind. Looking for a Career in auto finance, please view the following link: https://www.westlakefinancial.com/careers/
