At Lendbuzz, we believe financial opportunity should be more personalized and fair. We develop innovative technologies that provide underserved and overlooked borrowers with better access to credit. From our employees to our dealers, partners, and borrowers, we've built a company and a culture around a resolute belief in the promise and power of diversity. We value independent and critical thinking.
This position will report directly to the Director of Underwriting, and will work cross-functionally with the sales, operations, and finance teams. This job will involve analyzing, assessing, and approving loan applications based on a number of criteria and factors.
Responsibilities

• Conduct independent risk analyses and assessments of loan applications
• Support Underwriting in reviewing loan application exception decisions
• Assist Sales and Operations in evaluating the effectiveness of credit processes and guidelines, identifying gaps, and recommending improvements and changes as appropriate
• Act as subject matter expert/contact point for assigned business areas
• Identify material credit concerns
• Consult with various stakeholders - including business management, Credit Risk, Operations and Finance - to ensure a comprehensive evaluation
• Complete loan contracts and educate clients on policies and regulations.
• Interview applicants to define financial eligibility and establish debt payment plans.
• Prepare detailed loan proposals.
• Reject loan applications and explain deficiencies to applicants.
• Respond to applicants' questions and resolve any loan-related issues.
• Operate in compliance with laws and regulations.
• Exercise discretion and independent judgement.
• Perform of office or non-manual work directly related to the general business operations of the customers.

Experience/Abilities

• 1-3 years of experience within a financial services organization, focused on credit and/or risk management
• Excellent interpersonal, communication, organizational and writing skills
• Ability to develop business relationships with senior management and others throughout the organization
• Ability to work onsite at an office location Monday through Friday
• Equivalent to a B.S. degree in Business, Finance, or related field

We believe:
Diversity is a competitive advantage. We celebrate our differences, and are better when we have a variety of experiences, viewpoints, and backgrounds.
Compassion is a strength. We care about our customers and look to build long-term relationships with them.
Simplicity is a key feature. We work hard to make our forms and processes as painless and intuitive as possible.
Honesty and transparency are non negotiable. We incorporate these traits in all of our interactions.
Financial opportunity belongs to everyone. We work every day to improve lives by extending this opportunity.
If you believe these things too then we would love to hear from you!