Senior Consumer Credit Analyst
About The Position
We are currently looking for a Sr. Consumer Credit Analyst to join our team in Irving, TX (Onsite/Hybrid) or Las Vegas, NV (Remote) or anywhere in US (Remote). Work hours will be Monday to Friday 8 hrs/ day shift scheduled between 7 am to 11 pm CT with flexibility to work on weekends on rotation required. Residents of Metro Dallas and commutable distance to Dallas should be open to work 5 days in office. Job Description Summary: 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. A Day in the Life: 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. As necessary, performs other related duties of which the above are representative.
Requirements
- Bachelor’s degree in finance or degree in related field with minimum of 4 years credit lending experience required, with 2 years of secured credit buying experience required preferably in automotive finance will be beneficial.
- Or Associate’s degree in finance or degree in related field with minimum of 5 years credit lending experience required, with 3 years of secured credit buying experience required preferably in automotive finance will be beneficial.
- Or High-school diploma with minimum of 8 years credit lending experience required, with 5 years of secured credit buying experience required preferably in automotive finance will be beneficial.
- Basic knowledge of consumer credit analysis and approval process.
- Thorough knowledge of financial institutions/Finance.
- Excellent customer service, interpersonal, negotiation and analytical skills.
- Good problem solving, written and verbal communication skills.
- 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.
Nice To Haves
- secured credit buying experience preferably in automotive finance will be beneficial.
Responsibilities
- 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.
- 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.
- As necessary, performs other related duties of which the above are representative.
Benefits
- Comprehensive Benefits Package, including medical, mental health, parental leave, retirement savings & unique Nissan perks, including discounts on lease vehicles as part of our Employee Lease Program and a Vehicle Purchase Program (VPP).
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What This Job Offers
Job Type
Full-time
Career Level
Senior
