Lead Credit Analyst

Origence is always looking for diverse, talented people to join our exceptional team. Current job opportunities are posted here as they become available.

With 30 years at the forefront of fintech innovation, we specialize in SaaS lending solutions that lead the industry. Our core mission is customer‑centric, focusing on empowering Credit Unions across the United States with the tools to offer accessible, competitive lending services. We're deeply committed to enhancing the financial ecosystem for a broad network of credit unions, members and auto dealers.

We invest in our greatest assets, our employees, and foster a culture of innovation and ownership through freedom and responsibility. We celebrate fiscal accountability, operational rigor and efficiency to create a sustainably healthy and robust business for the long term.

Lead Credit Analyst serves as a subject matter expert and operational resource for the Credit Analyst team, bridging day‑to‑day underwriting excellence with structured knowledge transfer and data‑driven performance insight. This role is responsible for designing and delivering training programs, providing structured mentorship across the IC career ladder, and developing analytics that inform underwriting quality, team performance, and portfolio trends. The Lead Credit Analyst partners directly with the Sr.

Director, Operations & Lender Support and supervisory leadership to translate operational data into actionable improvements, support staff development, and ensure the team operates at a consistently high standard. Accuracy, program expertise, and the ability to build capability in others are fundamental to success in this role.

Training & Knowledge Transfer

• Design, maintain, and deliver structured onboarding and continuing education programs for Credit Analyst I through Sr. Credit Analyst levels, covering underwriting fundamentals, credit union program specifics, OLS guidelines, and applicable regulatory requirements.
• Develop and maintain written training curricula, reference guides, decision frameworks, and system‑specific job aids (including Temenos, L360, Meridian Link, Correlation Keystone, Loans PQ, and Ideal) that are accessible and consistently applied across the team.
• Conduct regular training sessions in response to identified skill gaps, product or program changes, new client onboarding, and system implementations; evaluate effectiveness through quality metrics and decisioning accuracy trends.
• Partner with supervisory leadership to identify development needs and create individualized learning plans for analysts progressing through the career ladder.
• Document and maintain process and procedure updates in coordination with Sr. Credit Analysts and Operations leadership to ensure training content reflects current guidelines.
• Serve as a dedicated mentor and technical resource for Credit Analyst I, II, and III team members, providing structured guidance on complex credit decisions, exception requests, and program‑specific challenges.
• Conduct second reviews and quality audits with a coaching orientation, using individual decision patterns to identify development opportunities and deliver targeted, constructive feedback.
• Collaborate with the Supervisor, Credit Analyst to monitor individual analyst performance trends and contribute to performance conversations, calibration discussions, and development planning.
• Model and reinforce professional communication standards, decisioning discipline, and relationship management practices expected at each level of the career ladder.
• Support a culture of continuous learning by facilitating peer knowledge sharing, lessons‑learned discussions, and best‑practice adoption across the underwriting team.
• Build, maintain, and regularly deliver analytics reporting on key underwriting performance indicators including approval rates, funding ratios, look‑to‑book ratios, decisioning quality scores, SLA adherence, and exception volume by analyst and client.
• Analyze underwriting decision data to identify trends, outliers, and systemic risk patterns; translate findings into actionable recommendations for leadership and process owners.
• Develop and maintain…