Consumer Credit Analyst II

About This Role

Analyze consumer credit applications to determine creditworthiness and risk levels within smaller markets. Negotiate tiers and terms with dealers while maintaining positive business relationships to provide excellent customer service and support.

Responsibilities

• Evaluates credit applications based on information received from credit bureau reports and various other sources
• Ensures that decisions conform to credit guidelines and lending retail authority levels
• Processes and decisions credit applications received and presented in LOS, decisions VRU, Funding, Transfer of Equity and Internet queues, dealer inbound phone calls and initiates outbound dealer calls
• Develops and maintains business relationships with dealer personnel
• Interacts with dealers regarding lending decisions based on credit evaluations
• Negotiates credit decisions tiers and terms on applications, approvals and declines
• Utilizes scoring and credit analysis to administer to a risk-based finance program
• Maintains positive relationship with support staff and Field Service Managers to resolve credit and finance issues
• Supports the Field team and Funding department by solving credit, finance, and compliance issues

Requirements

• Minimum of 2 years credit lending experience (with Bachelor's degree)
• Minimum of 1 year secured credit buying experience (with Bachelor's or Associate's degree)
• Minimum of 7 years credit lending experience (with High-school diploma)
• Minimum of 2 years secured credit buying experience (with High-school diploma)

Qualifications

• Bachelor's degree in Finance or related field, OR Associate's degree in Finance or related field, OR High-school diploma
• Minimum of 2 years credit lending experience required with Bachelor's degree, 3 years with Associate's degree, or 7 years with High-school diploma.

Nice to Have

• Secured credit buying experience preferably in automotive finance
• Proficient in Computer use to look up data or information, to generate/print standard reports or spreadsheets developed by others, or to use computer programs developed by others

Skills

* Required skills

Benefits