Senior Analyst Consumer Credit

Nissan•Irving, TX

3d•Remote

About The Position

We are currently looking for a Senior Analyst Consumer Credit to join our team in Irving, TX. Analyzes consumer credit applications to determine the credit worthiness of applicants. Determines the risk level based on an evaluation and assessment of the Credit Bureau and other sources. Negotiates tiers and term and reviews deal structure with dealers. Negotiates with dealers on escalated deal requests, providing support and guidance for Credit Level I and II analysts. Assists in monitoring workflow and ensuring appropriate staffing levels and coverage. Develops and maintains a positive business relationship with the dealers, providing customer service and support. Position is eligible to work remotely Candidate must be willing to commit to weekend shift which includes both Saturdays and Sundays as well as some evening hours.

Requirements

Bachelor’s degree in finance or degree in related field: Minimum of 4 years credit lending experience required, with 2 years of secured credit buying experience required.
Associate’s degree in finance or degree in related field: Minimum of 5 years credit lending experience required, with 3 years of secured credit buying experience required.
High-school diploma: Minimum of 8 years credit lending experience required, with 5 years of secured credit buying experience required.
Thorough knowledge of consumer credit analysis and approval process.
Excellent customer service, interpersonal, negotiation, conflict resolution and analytical skills.
Good problem solving, written and verbal communication skills.
Must be legally authorized to work in the United States and will be required to provide proof of employment eligibility at the time of hire; Nissan uses E-Verify to validate employment eligibility.

Nice To Haves

Experience in automotive finance is preferred.

Responsibilities

Evaluates credit applications based on information received from credit bureau reports and various other sources.
Negotiates with dealers on disputed loan or lease decisions made by Credit Analyst’s Level I and II.
Assists analysts with escalated dealer calls.
Analyzes the credit risk of potential lease and retail customers and confirms or denies loans.
Negotiates decisions, tiers, and terms on applications, approvals and declines.
Utilizes risk scoring and credit analysis to administer a risk-based pricing finance program.
Assists in the training of new credit analysts to properly administer credit policies and procedures.
Reviews loan and lease decisions by analysts for compliance with underwriting policy.
Coordinates with the Field Sales team to promote and maintain positive relations with the dealer base.
Builds and maintains dealer relationships by providing excellent customer service.
Performs side-by-side coaching and guidance of Analysts to ensure quality and consistency of lease and retail purchase decisions.
Monitors credit application and inbound call workflow to ensure coverage of queues and calls.
Performs other related duties as assigned.