We are looking for a diligent and detail-oriented Credit Analyst to join our team in Oxnard, California. In this role, you will be responsible for evaluating credit applications, managing collections, and ensuring compliance with company policies while assisting with financial analysis and risk assessment. This position offers an excellent opportunity to contribute to the organization's financial decision-making process and support ongoing improvements.<br><br>Responsibilities:<br>• Evaluate and grade credit applications, preparing necessary reports and informational requests for internal use.<br>• Provide guidance and training to entry-level finance staff and credit personnel to enhance team capabilities.<br>• Oversee credit underwriting for high-value transactions exceeding $250,000, ensuring thorough analysis and risk assessment.<br>• Develop and maintain credit models to predict trends and inform decision-making.<br>• Use sound judgment to assess the risk profiles of potential borrowers and make recommendations.<br>• Monitor and manage active credit files, maintaining communication with dealers and internal teams regarding application status.<br>• Coordinate the entire credit application process, from submission to final funding.<br>• Collect and analyze credit score data for quarterly updates to scorecards.<br>• Stay informed about market conditions and trends to improve credit risk assessments.<br>• Participate in team meetings and contribute to continuous improvement initiatives through ideas and feedback.
We are looking for a skilled Business Analyst to join our team in Carpinteria, California. This role primarily supports operational desks, adapts to varying workloads, and collaborates on Level 2 projects and processes. The ideal candidate will act as a liaison between operations stakeholders and IT, ensuring seamless system functionality while driving operational excellence.<br><br>Responsibilities:<br>• Provide additional support to operational desks based on workload and departmental needs.<br>• Manage Level 2 projects and processes, including quarterly quality checks, audits, and ad-hoc initiatives.<br>• Serve as a liaison between operations stakeholders and IT for system specifications, work plan coordination, and issue tracking.<br>• Analyze operational and system trends, identify problematic areas, and recommend actionable solutions to management.<br>• Process service requests and research requests within the department effectively.<br>• Collaborate with department managers to evaluate processes, identify inefficiencies, and propose enhancements.<br>• Report trends and insights to help inform training needs and process improvements.<br>• Coordinate testing and implementation for new systems while monitoring performance of existing systems.<br>• Ensure compliance with business continuity plans by being prepared to perform essential functions remotely during critical events.