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Credit Analyst/ Underwriter - Consumer Loans

Ironhorse Funding LLC, Middleton, MA, United States


Join Ironhorse Funding LLC in Beverly, MA as a Full‑Time Credit Analyst/Underwriter for Consumer Loans and dive into the dynamic world of finance where your expertise will make a significant impact. Here, you will work onsite with a team that shares your passion for excellence, ensuring you thrive in an energetic, high‑performance environment. You'll enjoy the opportunity to collaborate with the best team ever, focusing on helping clients achieve their financial goals.

The position offers competitive compensation, with a base salary ranging from $65,000 to $75,000 as well as participation in our success sharing plan. As a team member you'll be able to enjoy the following benefits:

Medical

Vision

Life Insurance

Health Savings Account

Flexible Spending Account

Volunteer Day

Paid Time Off (20 days PTO, 9 paid holidays)

401(k) plan – immediately vested with generous employer match

About Ironhorse Funding LLC Ironhorse Funding is a leading provider of innovative, technology‑driven, full‑spectrum finance solutions to consumers and dealers in the motorcycle, powersports, RV, and marine markets. We provide customers across the entire credit spectrum access to financing and refinancing programs with competitive rates and flexible terms through our direct‑to‑consumer and dealer programs. We want every customer to have access to financing for their dream ride.

We have an immediate need for a Credit Analyst/Underwriter to join our team located in Beverly, MA. You will support the originations needs for the organization's Motorcycle, Powersports, RV, and Marine assets. This role is onsite Monday to Friday 8 am–5 pm or 8:30 am–5:30 pm. Some weekend hours may be required.

Responsibilities As a Credit Analyst/Underwriter for Consumer Loans at Ironhorse Funding LLC, you will:

Evaluate credit applications and analyze financial data to assess risk and make informed lending decisions.

Collaborate closely with the sales team to ensure a seamless loan process and maintain open communication.

Gather necessary documentation, conduct thorough assessments of borrower creditworthiness, and prepare detailed reports.

Engage in problem‑solving to resolve issues during the underwriting process.

Stay updated on industry regulations and internal policies, adapting to changes as needed.

Contribute to a positive team atmosphere and embody the company’s core values of respect and integrity.

Qualifications To excel as a Credit Analyst/Underwriter for Consumer Loans at Ironhorse Funding LLC, several key skills are essential:

Strong analytical abilities to interpret financial statements and credit reports accurately.

Excellent communication skills to convey complex information clearly to clients and team members.

Attention to detail, ensuring no major oversights in lending decisions.

Strong problem‑solving skills to navigate challenges during underwriting.

Adaptability to stay current with evolving industry regulations and best practices.

A commitment to teamwork and respect for all colleagues.

Subprime & Prime lending experience strongly preferred.

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