Small Business Credit Analyst I

Stellantis Financial Services • Dallas, TX

3d

About The Position

The Small Business Credit Analyst I is responsible for evaluating business applications by analyzing commercial and consumer bureaus to assess creditworthiness of potential borrowers. The Small Business Credit Analyst I makes recommendations, issues approvals, and declines credit requests in accordance with company credit risk policies, compliance guidelines, and profitability models. Must have reliable transportation and live within a commutable distance to the following city: Dallas, TX

Requirements

• One (1) year minimum of auto finance experience as a loan processor, funder, or underwriter
• BS/BA degree in Business, Finance or Accounting or other related field considered in lieu of job experience
• High school diploma or GED, required
• Intermediate skills using MS Office applications such as Word, PowerPoint and Excel
• Effective communication skills, both written and verbal
• Strong analytical and problem-solving skills
• Ability to make sound decisions based on thorough analysis and evaluation
• Exceptional attention to detail and accuracy
• Ability to meet tight deadlines within a fast-paced environment
• High level of integrity and ethical conduct
• Overtime required
• Travel 0-10% - as required on an as needed basis

Nice To Haves

• BS/BA Degree in Business, Finance or Accounting or other related field, is preferred
• Understanding of credit reports, credit risk assessment, and underwriting principles is a plus
• Knowledge of industry specific web-based tools such as DnB, Experian, LexisNexis, etc. is preferred

Responsibilities

• Review business loan and lease applications and conduct underwriting activities to assess risk, including analyzing commercial and consumer credit reports and other relevant data
• Ensure compliance with company lending policies, regulations, and industry standards by following underwriting procedures
• Determine credit limits, terms, structure, and interest rates based on risk assessment and company lending policies
• Communicate application outcomes to dealers via phone, email, or other appropriate means of communication to solicit business
• Handle inbound calls and make outbound calls to negotiate final terms of contracts with both dealer customers and SFS Dealer Relationship Managers
• Maintain confidentiality of personal information for consumers, including, but not limited to, Social Security numbers, and dates of birth
• Other duties as assigned

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: High school or GED