Credit Specialist

Job Description

Job Description

Superior Auto, Inc. is a growing regional automotive group seeking a Credit Specialist to join our team. Our organization has been around for nearly 50 years, helping our community finance vehicles they need and can afford with a mission to provide reliable transportation, financing options, and excellent customer service to earn repeat business. Join our team today!

This is a Full-Time position, with exceptional benefits, a strong management team that will build your skills as a Credit Specialist. As a Credit Specialist, you provide superior service at all times to our dealerships and customers. This includes but is not limited to reviewing all vehicle contract documentation for completeness and compliance with state and federal laws as well as adherence to company policies and procedures—Responsible for conducting multiple verifications on each deal received. At Superior Auto, we seek driven individuals with a positive winning attitude. Superior Auto's ideal candidate is seeking more than a job. Instead, you are pursuing a career that offers unlimited growth within the company!

QUALITY CREDIT SPECIALIST SKILLS:

• Verify all applicant documents, score card attributes, overall deal structure and estimates for refinancing agreements.
• Recalculate debt-to-income (DTI).
• Categorize all applications through an electronic application process.
• Continually monitor and review the status of applications throughout entire lifecycle.
• Monitor and manage application and credit compliance for proper adverse action.
• Continually communicate and interact with dealerships.
• Other duties as assigned by a leader.

COMPETENCIES:

• Responsible for actions and performance either individually or on a team.
• Works efficiently by planning and organizing work to achieve goals and objectives.
• Focuses on teamwork by anticipating team needs, overcoming obstacles, and continually improving overall satisfaction.
• Communicates effectively by providing precise and timely communication and demonstrating practical listening skills.
• Demonstrates adaptability by adjusting to changing business priorities.

KNOWLEDGE and SKILLS:

• Demonstrates the ability to work independently with minimal supervision and effective use of time.
• Demonstrated record of achieving performance goals and objectives.
• Demonstrates ability to make prudent and timely decisions, well researched, and reflect an awareness of impact.
• Demonstrates strong interpersonal skills, including a willingness to consistently provide superior customer service, the ability to react appropriately under pressure, and the ability to apply sound judgment in ambiguous situations.
• Demonstrates adaptability by adjusting to changing business priorities.
• Demonstrates ability to effectively work in collaboration with team to achieve objectives.

WORK EXPERIENCE and/or EDUCATION:

• 2 years’ experience in funding/lending/contracts ; experience in sub-prime financing a plus
• Ability to analyze data and calculate DTI
• Ability to define problems, collect data, establish facts, and draw valid conclusions.
• Ability to communicate effectively both verbally and in writing
• Ability to adapt, learn and execute in a fast-paced team environment

BENEFITS:

• Health insurance
• Dental Insurance
• Vision Insurance
• 401k
• Employer contribution HSA
• …Plus, many more!