Auto Lease Underwriter I

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. Position Summary The Lease Credit Analyst I is responsible for reviewing and analyzing consumer credit applications, assessing credit history and risks, and providing decision outcomes within Stellantis Financial Services credit risk policies, compliance guidelines and profitability models. Essential Duties and Responsibilities Review and evaluate credit reports and credit data to determine the degree of risk involved in extending credit, in accordance with company policy, credit authority, risk appetite, and governing regulations (e.g., FCRA, ECOA, Reg M). Develop and maintain strong dealer relationships while ensuring volume, quality control and credit quality objectives are met. Manage exceptions to published credit authority using judgment and experience to produce risk outcomes within company expectations. Complete final disposition on credit applications utilizing authorized resources to complete verifications and due diligence when required, forwarding to appropriate level of authority if needed. Interact and communicate through various channels (including inbound and outbound phone calls) with dealer partners, internal stakeholders and consumers, negotiate and provide credit review outcomes, respond to inquiries, or support strategic efforts and initiatives. Maintain confidentiality due to regular access to specified personal information of consumers, including, but not limited to, Social Security numbers and dates of birth. Perform other ad hoc duties as assigned. Required Experience Minimum 2 years’ experience in auto finance or similar roles, including customer service, collections, remarketing, loan processing, or retail franchise dealership sales, finance, or consumer credit underwriting. Education High school diploma and/or GED. Skills Required Strong analytical and organizational skills with close attention to detail. Basic Windows computer skills. Mathematics (percentages), reasoning ability, judgment, and customer‑facing skills. Intermediate MS Office skill in Excel, Access, Word, and PowerPoint. Excellent oral and written communication skills. Ability to interface work autonomously and handle multiple projects simultaneously. Qualifications Preferred Experience – Captive, retail automotive franchise dealership, and/or loan underwriting experience. Overtime and Travel Overtime required on an as‑needed basis. Travel 0–10% as required on an as‑needed basis. Transportation & Location Must have reliable transportation and live within a commutable distance to one of the following cities: Detroit, MI; Phoenix, AZ. 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. The employee is regularly required to sit; use hands to finger, handle, or feel; reach with hands and arms and talk or hear. Required to use a headset and or telephone for calls. The employee is occasionally required to stand; walk and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision. Work Environment The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work{ #J-18808-Ljbffr Stellantis Financial Services US