Small Business Credit Analyst I

Stellantis Financial Services • Dallas, TX

3d • Onsite

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 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
• Must be authorized to work in the United States
• Candidates must possess authorization to work in the United States.

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

Benefits

• Stellantis Financial Services, Inc. will not sponsor applicants for work visas of any type for this position.
• Stellantis Financial Services, Inc (SFS) is an equal opportunity employer and is committed to providing its employees an environment that is free of harassment, discrimination, and intimidation.
• It is the policy of SFS to comply with all applicable employment laws and regulations and to provide equal opportunity for all qualified persons and to not discriminate against any employee or applicant for employment because of race, color, religion, sex, age, national origin, disability, pregnancy, sexual orientation, veteran status, gender identity or expression, change of sex, and/or transgender status or any protected status.
• This policy applies to recruitment and placement, promotion, training, transfer, retention, rate of pay and all other terms and conditions of employment.
• Employment and promotion decisions will be based solely on merit, ability, achievement, experience, conduct and other legitimate business reasons.

What This Job Offers

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