Sr. Credit Exception Analyst

United Fidelity Bank

1d • Onsite

About The Position

The Credit Exception Senior Analyst is a high-impact role within the Credit team, responsible for the expert evaluation, analysis, and resolution of auto retail installment contracts that are submitted for funding with deviations from original credit approvals. This role requires a seasoned credit professional with a deep understanding of credit risk principles, retail auto lending policies, and the ability to exercise sound judgment in high-stakes decisions. The Senior Analyst will serve as a key decision-maker and escalation point for exception handling, ensuring a balanced approach between risk mitigation and business enablement.

Requirements

• Minimum 10 years of experience in auto finance credit analysis, underwriting, or funding with a focus on exception handling or credit risk assessment.
• Strong knowledge of consumer credit regulations, auto lending policies, and retail installment contract structures.
• Prior experience working in a fast-paced, high-volume auto finance environment.
• Demonstrated leadership or mentorship in credit decisioning roles.
• Strategic thinker with a continuous improvement mindset and operational acumen.
• Exceptional analytical skills with the ability to assess complex credit situations and make independent, well-supported decisions.
• Proven ability to manage high volumes of work while maintaining accuracy and compliance.
• Strong communication and collaboration skills with the ability to influence across teams and levels.
• High proficiency in credit systems and tools (e.g., LOS, DMS, credit bureau platforms).
• Minimum 10 Years of Experience
• 10+ years related experience required in auto finance, or equivalent combination of education and experience.
• Prior relationship management experience required.

Nice To Haves

• Bachelor’s degree preferred in Finance, Business, Economics, or a related field; advanced degree or relevant certifications (e.g., CFA, CBA) a plus.
• Additional experience may be considered in lieu of degree.

Responsibilities

• Review auto retail installment contract packages submitted for funding that contain variances from the originally approved terms.
• Analyze borrower profiles, deal structure, credit bureau data, and supporting documentation to assess risk and determine eligibility for exception approval.
• Make informed credit decisions on exception requests within designated authority limits; escalate as appropriate with clear rationale and recommendations.
• Partner with credit analysts, funding teams, and sales/operations leadership to ensure timely resolution of exception cases without compromising credit standards.
• Provide guidance on exception trends and root causes to help refine credit policies and reduce exception volume over time.
• Maintain high standards of documentation and audit readiness for all exception decisions.
• Support continuous improvement initiatives, including policy updates, system enhancements, and training efforts.
• Contribute to cross-functional projects aimed at improving credit risk oversight and operational efficiency.

Benefits

• Competitive compensation
• 401k matching
• health, dental, vision insurance
• maternity benefits
• Associate purchase and discount programs for new and pre-owned vehicles, services, parts, collision, accessories, and AutoGear
• Access amazing deals and discounts through YouDecide
• Join our DRVPNK mission to raise and donate millions of dollars to cancer research and treatment, partnering with cancer charities nationwide

What This Job Offers

• Job Type: Full-time
• Career Level: Senior