Role OverviewThe Consumer Credit Analyst is responsible for evaluating consumer credit applications and assessing applicant's creditworthiness in accordance with established underwriting guidelines, credit policy, and risk management standards. This role supports responsible lending decisions by analyzing financial data, credit reports, and supporting documentation while ensuring compliance with regulatory and internal requirements.
What You Will Do
The Consumer Credit Analyst will process and make credit decisions on applications submitted through LOS; manage dealer inbound calls and place outbound calls to review applications, communicate decisions, and resolve stipulations based on appropriate authority level. The analyst will also analyze credit bureau data, income verification, debt obligations, and stability indicators to determine credit risk.
Why It Might Be a Fit
The ideal candidate will have prior experience in collections, funding, dealer services, lease end, customer service, or related financial services. The candidate should have 1+ years of experience in automotive finance or related financial services, and a bachelor's degree or equivalent work experience.
Requirements
- Prior experience in collections, funding, dealer services, lease end, customer service, or related financial services
- 1+ years of experience in automotive finance or related financial services
- Bachelor's degree or equivalent work experience
- Ability to manage high inbound phone volume in a professional and efficient manner
- Ability to effectively communicate credit decisions to dealers and internal sales teams
- Sound judgment in credit decisioning or recommending credit transactions under pressure
Benefits
- Vehicle perks – monthly vehicle allowance plus purchase and lease discounts
- Comprehensive health coverage – medical, dental, and vision plans
- Employer-funded HSA contributions to help reduce healthcare costs
- 401(k) with company match and immediate vesting from day one
- 100% company-paid life and disability insurance
- Wellbeing benefits including fitness and health resources
- Paid Volunteer Time Off and a company charitable donation in your honor
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