Analyst, Lending Optimization Job Listing at DriveTime in Mesa, AZ (Job ID R12494)

Description

What's Under the Hood

DriveTime Family of Brands includes in-house financing and servicing through Bridgecrest, which is one of the country's leading financial servicing providers. Bridgecrest services roughly $17 billion in finance receivables for DriveTime and other third parties. We service auto loans across a wide credit spectrum with the intent of creating a strong path to vehicle ownership for our customers.

That's Nice, But What's the Job?

In short, as a Lending Analyst, you will be responsible for working directly with our Retail stores to review, evaluate and resolve their requests to work outside of our underwriting guidelines

In long, you will: 

• Review incoming exception requests via phone calls and internal ticketing systems, evaluating inconsistencies in documentation, underwriting conditions, and compliance items.

• Conduct thorough analysis to determine whether granting an exception supports company profitability and risk tolerance.

• Maintain accurate and up-to-date logs of approved, pending, and denied exceptions to support reporting and audit/compliance reviews.

• Collaborate with cross-functional departments and maintain a strong understanding of loan origination and servicing processes.

• Support after-hours operations by leveraging broad knowledge of policies and procedures across Lending Operations.

• Deliver high-quality service while interacting with team members and partners across multiple departments and time zones.

• Solve complex and unique challenges on a case-by-case basis, demonstrating resourcefulness and ownership.

• Maintain timely and professional communication, ensuring clarity, alignment, and efficiency in each interaction.

• Juggle multiple requests and responsibilities simultaneously while maintaining attention to detail and meeting deadlines.

The Specifics. 

• 3+ yrs experience executing operational processes, reviewing and assessing consumer credit application documents, and identifying potential misrepresentation

• Demonstrated ability to collaborate and communicate effectively with cross-functional teams including Retail/Sales partners and Operations

• Proven ability to make sound decisions and solve problems effectively, especially in ambiguous or high-pressure situations, or guiding peers through complex scenarios.

• Ability to work Retail hours, including evenings and Saturday 

So What About the Perks? Perks matter

• Medical, dental, and vision, oh my! DriveTime Family of Brands covers a sizable amount of insurance premiums to ensure our employees receive top-tier healthcare coverage. 
• But Wait, There's More. 401(K), Company paid life insurance policy, short and long-term disability coverage to name a few.
• Growth Opportunities. You grow, I grow, we all grow!  But seriously, DriveTime Family of Brands is committed to providing its employees with every opportunity to grow professionally with roughly over 1,000 employees promoted year over year.
• Tuition Reimbursement. We're as passionate about your professional development as you are. With that, we'll put our money where our mouth is.
• Wellness Program. Health is wealth! This program includes self-guided coaching and journeys, cash incentives and discounts on your medical premiums through engaging in fun activities!
• Gratitude is Green.  We offer competitive pay across the organization, because, well… money matters!

• Game Room. Gimme a break – no, not a Kit Kat ad but we do have a ping-pong table, a pool table and other games if you ever need a break in your day.
• In-House Gym. We want our employees to be the best versions of themselves. So come early, take a break in your day, or finish strong with a workout!
• Enjoy Social Events? Bring it on. Rally with your team for festive gatherings, team competitions or just to hang out! 
• We Care and Value YOU! Feel the love and let us treat you to company outings, personal rewards, amazing prizes & much more! 

• Paid Time Off. Not just lip service: we work hard, to play hard!  Paid time off includes (for all full-time roles) wellness days, holidays, and good ole' fashioned YOU time!  For our Part-timers, don't fear you get some time too...vacation time is available - the more you work, the more you earn!

Anything Else?  Absolutely.

DriveTime Family of Brands is Great Place to Work Certified! And get this: 90% of our rockstar employees say they feel right at home here.  We could spend a lot of time having you read about ALL our awards, but we'll save time (and practice some humility) just naming a few others; Comparably Awards: Best Company for Diversity, Best Company Culture and Best Company Leadership, oh and don't forget Phoenix Business Journal Healthiest Employers (okay, we'll stop there)!

Hiring is contingent upon successful completion of our background and drug screening process. DriveTime is a drug-free, tobacco-free workplace and an Equal Opportunity Employer.

And when it comes to hiring, we don't just look for the right person for the job, we seek out the right person for DriveTime. Buckle up for plenty of opportunities to grow in a professional, fun, and high-energy environment!