Lease Credit Analyst II (Auto Underwriter)
About The Position
The Lease Credit Analyst II (Auto Underwriter) is responsible for reviewing and analyzing consumer credit applications, assessing credit history and risk, and providing decision outcomes within Stellantis Financial Services credit risk policies, compliance guidelines and profitability models. Stellantis Financial Services (SFS) is the new captive finance company for one of the world's leading automakers and a mobility provider with iconic brands including Abarth, Alfa Romeo, Chrysler, Citroën, Dodge, DS Automobiles, Fiat, Jeep®, Lancia, Maserati, Opel, Peugeot, Ram, Vauxhall, Free2move and Leasys. Our exciting growth provides opportunities to advance your career as we successfully lead products and services from a small to midsize company in just a few years. Join our world class team and culture and contribute to our core mission which is enhancing our customer's experience. This is a hybrid position. Must have reliable transportation and live within a commutable distance to one of the following cities: Dallas, TX, Houston, TX, Auburn Hills, MI, Atlanta, GA, Phoenix, AZ
Requirements
- Minimum 2 years’ auto finance or similar experience
- Minimum 1 year of auto underwriting experience
- High school diploma and/or GED
- Strong analytical and organizational skills with close attention to detail
- Basic windows computer skills
- Mathematics (percentages), reasoning ability, judgement, and customer-facing skills
- Intermediate MS Office skill in Excel, Access, Word, and PowerPoint
- Excellent oral and written communication skills
- Ability to interface work autonomously and handle multiple projects simultaneously
- Candidates must possess authorization to work in the United States.
Nice To Haves
- Captive experience, retail automotive franchise dealership, and/or lease auto underwriting experience.
Responsibilities
- Review and evaluate credit reports and credit data to determine the degree of risk involved in extending credit, in accordance with company policy, credit authority, risk appetite, and governing regulations (e.g., FCRA, ECOA, Reg M)
- Develop and maintain strong dealer relationships while ensuring volume, quality control and credit quality objectives are met
- Manage exceptions to published credit authority using judgment and experience to produce risk outcomes within company expectations
- Complete final disposition on credit applications utilizing authorized resources to complete verifications and due diligence when required, forwarding to appropriate level of authority if needed
- Interact and communicate through various channels (including inbound and outbound phone calls) with our dealer partners, internal stakeholders and consumers, negotiate, and provide credit review outcomes, respond to inquiries, or support strategic efforts and initiatives
- Maintain confidentiality due to regular access to specified personal information of consumers, including, but not limited to, Social Security numbers and dates of birth
- Perform other ad hoc duties as assigned
Benefits
- Overtime required on an as needed basis
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
High school or GED
