Credit Analyst II - TX
About The Position
The Credit Analyst II will analyze and render decisions on incoming credit applications for powersports loans, ensuring adherence to company guidelines and risk policies. This role involves assessing borrower creditworthiness, collaborating with dealers to negotiate terms, and communicating decisions clearly. The analyst will also build and maintain strong dealer relationships, conduct follow-ups, resolve funding exceptions, and provide training to dealers and new employees. Additionally, the role requires handling calls, promoting value-added products, working with internal teams, assisting in developing procedures, handling escalated issues, and supporting management in training and auditing.
Requirements
- A minimum of 5 years of experience in credit analysis in powersports/motor vehicle lending.
- Proficiency in Microsoft Office (Word, Excel, PowerPoint).
- High school diploma, associate degree or equivalent in Finance, Business, or related field.
- Strong interpersonal and relationship management skills.
- Proven ability to assess credit risk and make sound lending decisions.
- Ability to work independently and collaboratively in a fast-paced and changing environment.
- Strong analytical and decision-making skills.
- Research and problem-solving capabilities.
- Excellent communication and interpersonal skills.
- Ability to follow established procedures and processes.
- Act as a resource for dealer and staff questions regarding the KMRF’s loan programs.
- Ability to work on-site at our office in Irving, TX.
Nice To Haves
- Experience in founding, co-founding or working in a fast-paced startup environment.
- Experience in Powersports Finance Industry (motorcycle, ATVs UTVs, PWCs)
- Experience in a FinTech startup.
- Advanced Professional degree
Responsibilities
- Analyze and render decisions on incoming credit applications for powersports loans, ensuring adherence to company guidelines and risk policies.
- Assess borrower creditworthiness through credit reports, structure, and other tools.
- Collaborate with dealers to negotiate deal terms where necessary, working to maximize capture rate while maintaining credit quality.
- Communicate credit decisions clearly and professionally to dealer partners and the sales team.
- Build and maintain strong relationships with dealers to support business growth and promote loyalty.
- Conduct timely follow-ups on approved applications.
- Review and resolve funding exceptions in a timely and accurate manner.
- Review and resolve questions from newly hired employees and Credit Analyst I.
- Provide ongoing training to dealer partners on credit processes, funding requirements, and company policies.
- Handle both incoming and outgoing calls.
- Actively remind and educate dealers on value-added products such as KPP (Kawasaki Protection Plus) to enhance customer offerings and increase product penetration.
- Demonstrate excellent verbal and written communication skills in all interactions with internal teams and external partners.
- Work closely with internal teams (sales, funding, customer service and credit).
- Assist in developing underwriting procedures and training tools.
- Handle escalated dealer or credit partner issues that require higher discretion and problem-solving.
- Assist management in training new hires.
- Support the Credit Manager in auditing files for accuracy and compliance.
- Utilize Microsoft Office and Loan Origination Systems (LOS) to process and manage loan applications.
Benefits
- Competitive salary based on experience
- Medical, Dental, Vision and Pet insurance
- 401(k) match
- Life and Disability benefits
- Generous PTO policy
- Up to 12 paid company holidays
- Employee discounts on Kawasaki products
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
Associate degree
