Credit Analyst

Auto Loan Analyst

We are seeking an experienced Auto Loan Analyst in our Fort Lauderdale Headquarters office location to underwrite auto loan applications from the AutoNation network of dealers. This role is critical in ensuring compliance with regulatory standards, managing risk, and driving operational excellence. The ideal candidate will have strong credit skills and a proven ability to underwrite loans within the company guidelines.

As a Credit Analyst, you will underwrite, and review submitted applications from new and used automotive dealers. In addition, you will communicate decisions to appropriate individuals, uphold fair lending practices, and meet targets for productivity, quality, and customer satisfaction.

Job Responsibilities

• Review, analyze and underwrite complex auto loans within company guidelines.
• Assist with negotiation of contracts based on lending guidelines.
• Interact daily with automotive dealerships and gather information needed to make appropriate credit decisions with the ability to explain the rationale behind credit decisions made to dealerships and CIG Sales Managers if needed.
• Build and maintain effective relationship with assigned automotive dealership base
• Build and maintain positive working relationship with peers and Sales Managers

Essential Knowledge, Skill and Licenses

• Knowledge of Consumer Auto Finance with 2 - 5 years of underwriting experience required
• Thorough knowledge of credit review process and credit scoring
• Strong analytical, organizational and time management skills
• Strong verbal and written communication skills
• Demonstrated ability to develop business relationships with dealer principals, Sales Team as well as Peers
• Strong negotiation and decision-making skills

Physical Demands

• Continuous use of personal computer/monitor/keyboard.
• Physical Demand: None. Amt./Frequency: N/A
• On-site staff preferred

This person can work in either Fort Lauderdale, FL or Irving, TX.

Exciting Benefits and Perks Await You:

• Competitive compensation and 401k matching
• Enjoy a healthy work-life balance with insurance plans (health, dental, vision) and 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, a website with offers from top providers and retailers
• Join our DRVPNK mission to raise and donate millions of dollars to cancer research and treatment, partnering with cancer charities nationwide

AutoNation is committed to creating a diverse, equitable, and inclusive environment in our workplace and the services we provide. We welcome candidates from all backgrounds who are passionate about making a positive impact. Even if you do not meet every requirement, we encourage you to apply. Join our team and help us foster a culture of belonging while contributing to our revolutionary work in the automotive industry. We value innovation, teamwork, and a commitment to making a positive impact in the world.