iCreditWorks offers a simple, seamless, and secure mobile loan application process. We'll help you make smart and responsible financial decisions from start to finish. Simply accept your loan offer and we'll fund your dentist when your treatment begins.

Industry: Financial Services
Company Size: 51-200 employees

iCreditWorks

Savvy Admin PROD

iCreditWorks is a FinTech start-up, focused on leveraging emerging mobile technologies and artificial intelligence to transform point-of-care lending between healthcare consumers and professionals. We are looking for a proactive and creative Senior FinTech Credit Analyst to join our team. This is an exciting opportunity to work in a fast-paced, entrepreneurial environment.

We are revolutionizing access to credit by providing a seamless mobile experience for healthcare consumers desiring access to financing programs to pay for their healthcare expenses. As part of our underwriting team, you will leverage your expertise and knowledge to help us determine applicant credit decisions, the validity of information in question, and the review of supporting documentation.

The ideal candidate is a critical thinker, highly analytical, and a driven problem-solver. The candidate should also be passionate about innovation, the client-experience, and collaborating with our Risk, Senior Management and Engineering teams to maximize revenue.

**Duties and Responsibility **

As part of the underwriting team, understand and shape credit policy to support the company vision and third-party loan investors.

Gain a full understanding of the technology and processes that drives our business including but not limited to: Loan input provider portals, websites, mobile app origination process and on-going loan servicing.

Review, analyze, and evaluate consumer & commercial loan application data in our data base to validate that they have been handled according to credit policy, procedures and that of our underwriting decision engine, as well as risk mitigation techniques. This would include approvals, declines, and counteroffers.

Analyze and investigate loan applicant’s information in response to alerts from credit and fraud services where certain information cannot be confirmed or does not match the verification data base. This would also include all consumer statements and any credit freezes that may be in place on a credit report. Direct contact with the applicant may be necessary to address questions.

Analyze and calculate documentation that is provided to verify the applicant’s income, research commercial websites to validate business information, such as secretary of state- NPI records and other various websites.  This may include the review of tax returns, and other business documentation as needed.

Responsible for receiving communications with applicants and referral partners as needed to answer questions or obtain additional information.

Ability to support team with research and responses to internal/external audits and other projects as they arise.

Perform other duties as assigned.

**Minimum Experience Requirements: **

·        Five plus years of experience and full understanding of credit risk and merchant risk in these point-of-sale verticals: Home Improvement, Dental, Medical, Auto Repair or Device Purchase.

·        Using advanced Microsoft Office skills, specifically Excel (including creation of pivot tables, logic functions, data tables and regression analysis), PowerPoint and Word

·        Building, improving, or analyzing risk management strategies for an unsecured consumer or small business lending product

·        Utilizing knowledge of U.S. credit bureau data, risk scorecards and debt service coverage ratios

·        Knowledge of cash flow underwriting and article intelligence modeling

·        Managing several projects simultaneously and driving end-to-end project delivery

·        Experience building credit strategy for digital acquisition channels

·        Visualizing complex data analyses and communicating to a wide variety of audiences

·        Developing policy and procedures documentation for credit risk strategy execution

·        Knowledge of cash flow underwriting and article intelligence modeling

·        Developing and automating quality control process to ensure intended execution of credit strategies

·        Fair understanding of income and debt relationship in the context of credit underwriting that includes but not limited to design income verification requirements

Credit Risk Manager

Explore job opportunities at iCreditWorks with Savvy's AI recruiter platform. View open positions, learn about the company culture, and apply directly through our intelligent recruitment system.

iCreditWorks

Jobs