Consumer Lending - 2nd Look Credit Specialist

Consumer Lending - 2nd Look Credit Specialist

2nd Look Credit Specialist Consumer Lending

Location : Holmdel : Bellworks

Department : Consumer Lending

Reports To : Director of Consumer Lending

At Victory Home Remodeling, we believe every homeowner deserves the opportunity to improve their home, no matter their credit challenges. Our Consumer Lending Department empowers families by providing simple, transparent, and personalized financing solutions for home remodeling projects such as roofing, siding, and windows.

Role Overview

The 2nd Look Credit Specialist plays a crucial role in turning declined applications into approved solutions. When a homeowner's initial financing is declined, this specialist steps in to find creative alternativeswhether that's navigating specialized "bad credit" lending partners, exploring secondary financing programs, or helping homeowners leverage personal resources such as retirement savings (401k, IRA), home equity, or other viable payment methods.

This role requires both financial expertise and empathy : balancing knowledge of credit-challenged lending with the ability to guide homeowners through sensitive conversations about urgent home needs.

Key Responsibilities

• Review and analyze declined financing applications to identify opportunities for approval through alternate lenders, subprime programs, or personal financial pathways.
• Maintain deep knowledge of the bad credit space, including second-look lenders, specialized consumer finance programs, and approval criteria.
• Educate and advise homeowners on alternative funding options, such as :
• Secondary loan programs (subprime, personal loans, credit unions, fintech options)
• Retirement or savings account (401k loan / withdrawal, IRA distribution rules)
• Home equity solutions, cash-out refinance, or co-applicants
• Partner with the Sales Team and Lending Analysts to save deals that would otherwise be lost, ensuring homeowners still complete their remodeling projects.
• Document findings, approvals, and next steps clearly in CRM and lending systems for transparency and compliance.
• Build and maintain strong relationships with lending partners to stay current on evolving products and underwriting guidelines.
• Act as a subject matter expert on credit-challenged homeowners, coaching the team on best practices.

Qualifications

2+ years in consumer lending, finance, mortgage, or home improvement financing.

Strong knowledge of credit score impact, subprime / 2nd look programs, and creative funding strategies.

Comfortable navigating conversations around sensitive financial situations.

Excellent communication skillsable to build trust with homeowners and sales teams.

Problem-solver with persistence to "find a way to yes."

Familiarity with retirement accounts, personal loan processes, and credit union financing a plus.

CRM or finance platform experience preferred.

Why Join Us?

Be the difference-maker for families who need urgent home repairs.

Competitive salary + performance incentives tied to approved projects.

Growth opportunities within our expanding Consumer Lending Department.

Collaborative, purpose-driven culture built on integrity, growth, and transparency.

The Perks

$60,000 - $65,000 first-year salary range (Base salary plus commission and bonuses)

Monthly opportunities for performance-based non-monetary rewards, such as luxury vacations, high-end electronics, gift cards and tickets to concerts and events

Full medical, dental, life and disability insurance plans

Paid parental leave

Ample paid vacation and holidays

A competitive 401(k) retirement savings program

A robust social program filled with events and team-building activities

An all-expense paid, 3-day trip to Cancun with a significant other

On-going career coaching and mapping

Thoughtfully and artfully designed work spaces

8 hour shift

Work Location : In person