Senior Credit Analyst

Stellantis Financial Services (SFS) is the new captive finance company for one of the worlds leading automakers and a mobility provider with iconic brands including Abarth Alfa Romeo Chrysler Citron 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 customers experience.

Position Summary:

The Sr. Credit Analyst evaluates credit and other relevant data to determine the credit risk of potential customers. Makes recommendations issues approvals and declines credit requests in accordance with Stellantis Financial Services (SFS) credit risk policies compliance guidelines and profitability models.

This is a hybrid position. Must have reliable transportation and live within a commutable distance to Houston TX.

Duties & Responsibilities:

• Review and evaluate all credit reports in commonly used formats as well as any format unique to SFS
• Accurately apply credit policies in accordance with FCRA across multiple product lines for various loan types
• Manage exceptions to published credit authority using judgment and experience to produce risk outcomes within company expectations
• Complete final disposition on credit applications or forwards to appropriate level of authority for final approval
• Make outbound and handle inbound calls to negotiate final terms of contracts with both our dealer customer and the Dealer Relationship Manager (DRM)
• Assist with escalated calls from Dealers and DRMs who are unhappy about a credit decision. Re-evaluate decisions and handle professionally to maintain a positive relationship
• Participate in targeted outbound call campaigns as time permits in coordination with the DRMs in an effort to cultivate long-term dealer relationships
• Work directly with the Funding department and DRMs to resolve credit and verification issues that arise in funding
• Provide guidance training and mentorship to junior level 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

Qualifications & Competencies: To perform this job successfully an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Experience:

• Minimum 3 years auto industry experience as a credit analyst or related automotive disciplines

Education:

• High school diploma and or/GED

Skills Required:

• Ability to read analyze and interpret industry specific periodicals technical manuals and government regulations
• Effective communication and interpersonal skills
• Ability to calculate figures and amounts relative to discounts interest commissions proportions percentages volume installment contracts and interpret paycheck information
• Ability to derive conclusions and make recommendations beyond the scope of written policies or standard guidelines
• Proficient in using Microsoft Office Suite
• Ability to handle high call and application volumes and manage competing demands

Overtime: Required on an as needed basis

Travel: 0-10% as required on an as needed basis

Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Sitting for long periods of time standing walking close vision for computer work speaking hearing lift and/or move up to 10 lbs. Reasonable accommodation will be reviewed upon request.

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. Candidates must possess authorization to work in the United States. 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.