Sr. Credit Analyst

First Investors Financial Services•Phoenix, AZ

60d•Onsite

About The Position

The Sr. Credit Analyst will be responsible for evaluating credit and other relevant data to determine the credit risk of potential customers. Make recommendations, issue approvals, and decline credit requests in accordance with Stellantis Financial Services' credit risk policies, compliance guidelines, and profitability models.

Requirements

Minimum of 3 years' auto industry experience as a credit analyst or related automotive disciplines.
High school diploma and or/GED.
Overtime required - required on an as needed basis.
Travel 0-10% - as required on an as needed basis.
Must have reliable transportation and live within a commutable distance to one of the following cities: Phoenix, AZ

Responsibilities

Review and evaluate all credit reports in common formats as well as any format unique to SFS.
Accurately apply credit policies, in accordance with FCRA, across multiple product lines for various types of loans.
Manage exceptions to the published credit authority using judgment and experience to produce risk outcomes within company expectations.
Complete final disposition on credit applications or escalate to the appropriate level of authority for final approval.
Make outbound calls and manage inbound calls to negotiate final contract terms with both dealer customers and the DRM.
Assist with escalated calls from dealers and DRMs who are dissatisfied with a credit decision. Re-evaluate decisions and manage them professionally to maintain positive relationships.
Participate in targeted outbound call campaigns as time permits, in coordination with the DRMs, to cultivate long-term dealer relationships.
Work directly with the Funding department and DRMs to resolve credit and verification issues that arise during funding.
Provide guidance, training, and mentorship to junior associates within the department.
Maintain confidentiality of personal information for consumers, including, but not limited to, Social Security numbers and dates of birth.
Other duties may be assigned.