Sr. Credit Analyst

Stellantis Financial Services • Houston, TX

23h • Hybrid

About The Position

Stellantis Financial Services (SFS) is the new captive finance company for one of the world's leading automakers and a mobility provider with iconic brands including Abarth, Alfa Romeo, Chrysler, Citroën, Dodge, DS Automobiles, Fiat, Jeep®, Lancia, Maserati, Opel, Peugeot, Ram, Vauxhall, Free2move and Leasys. Our exciting growth provides opportunities to advance your career as we successfully lead products and services from a small to midsize company in just a few years. Join our world class team and culture and contribute to our core mission which is enhancing our customer's experience. Position Summary: The Sr. Credit Analyst evaluates consumer lease and loan applications by conducting in-depth credit and financial analysis, assessing creditworthiness, and issuing decisions within Stellantis Financial Services’ established credit policies, compliance requirements, and decisioning standards. This role operates with increased credit authority and provides mentoring, guidance, and training to junior Credit Analysts while supporting the Credit Manager and Assistant Credit Manager in daily operations.

Requirements

• Minimum 3 years of experience in auto finance or a similar industry.
• Minimum 2 years of auto underwriting experience.
• High school diploma or GED required.
• Strong analytical and organizational skills with high attention to detail.
• Proficiency in Windows-based computer systems.
• Strong math aptitude, reasoning ability, sound business judgment, and effective relationship-management skills.
• Proficiency with Microsoft Office Suite.
• Excellent oral and written communication skills.
• Must have reliable transportation and live within a commutable distance to one of the following cities: Dallas, TX; Houston, TX.
• An applicant must be authorized to work in the United States to be eligible for this position.
• Candidates must possess authorization to work in the United States.

Nice To Haves

• Captive finance organization, retail automotive franchise dealership environment, or auto lease underwriting.

Responsibilities

• Review and analyze credit reports and related financial data to assess creditworthiness and risk in alignment with company policy, delegated credit authority, and governing regulations such as the Fair Credit Reporting Act (FCRA), Equal Credit Opportunity Act (ECOA), and Regulation M.
• Build and maintain strong dealer relationships while supporting business volume and ensuring adherence to quality control, credit quality, and compliance expectations.
• Apply advanced judgment and experience when managing exceptions to established credit authority, ensuring decisions align with company standards for responsible and consistent decisioning.
• Issue final decisions on credit applications by completing required verifications and due diligence, escalating applications to higher authority levels only when appropriate.
• Provide supplemental support to the Credit Manager and Assistant Credit Manager, including coaching, training, and mentoring junior Credit Analysts.
• Communicate credit decisions and support inquiries through multiple channels (including inbound and outbound phone calls), partnering with dealer representatives, consumers, and internal teams to negotiate outcomes and support strategic initiatives.
• Collaborate with Funding, Dealer Relationship Managers (DRMs), and the Fraud Department to resolve verification challenges, identify red flags, and ensure accurate and timely processing of applications.
• Maintain confidentiality of personal information for consumers, including, but not limited to, Social Security numbers and dates of birth.
• Perform additional duties and support departmental initiatives as business needs arise.

What This Job Offers

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