Credit Analyst II - CA

Analyze and render decisions on incoming credit applications for powersports loans, ensuring adherence to company guidelines and risk policies. Assess borrower creditworthiness through credit reports, structure, and other tools. Collaborate with dealers to negotiate deal terms where necessary, working to maximize capture rate while maintaining credit quality. Communicate credit decisions clearly and professionally to dealer partners and the sales team. Build and maintain strong relationships with dealers to support business growth and promote loyalty. Conduct timely follow-ups on approved applications. Review and resolve funding exceptions in a timely and accurate manner. Review and resolve questions from newly hired employees and Credit Analyst I. Provide ongoing training to dealer partners on credit processes, funding requirements, and company policies. Handle both incoming and outgoing calls. Actively remind and educate dealers on value-added products such as KPP (Kawasaki Protection Plus) to enhance customer offerings and increase product penetration. Demonstrate excellent verbal and written communication skills in all interactions with internal teams and external partners. Work closely with internal teams (sales, funding, customer service and credit). Assist in developing underwriting procedures and training tools. Handle escalated dealer or credit partner issues that require higher discretion and problem-solving. Assist management in training new hires. Support the Credit Manager in auditing files for accuracy and compliance. Utilize Microsoft Office and Loan Origination Systems (LOS) to process and manage loan applications. Qualifications: A minimum of 5 years of experience in credit analysis in powersports/motor vehicle lending. Proficiency in Microsoft Office (Word, Excel, PowerPoint). High school diploma, associate degree or equivalent in Finance, Business, or related field. Strong interpersonal and relationship management skills. Proven ability to assess credit risk and make sound lending decisions. Ability to work independently and collaboratively in a fast-paced and changing environment. Strong analytical and decision-making skills. Research and problem-solving capabilities. Excellent communication and interpersonal skills. Ability to follow established procedures and processes. Act as a resource for dealer and staff questions regarding the KMRF's loan programs. Ability to work on-site at our office in Foothill Ranch, CA. Profile Differentiators: Experience in founding, co-founding or working in a fast-paced startup environment. Experience in Powersports Finance Industry (motorcycle, ATVs UTVs, PWCs) Experience in a FinTech startup. Advanced Professional degree Hourly Range: $37.00-$39.00 What We Offer: Competitive salary based on experience Medical, Dental, Vision and Pet insurance 401(k) match Life and Disability benefits Generous PTO policy Up to 12 paid company holidays Employee discounts on Kawasaki products Onsite fitness center Kawasaki Kafe KMRF is an Equal Opportunity Employer; employment with KMRF is governed on the basis of merit, competence and qualifications and will not be influenced in any manner by race, color, religion, gender, national origin/ethnicity, veteran status, disability status, age, sexual orientation, gender identity, marital status, mental or physical disability or any other legally protected status. Equal Opportunity Employer This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor. #J-18808-Ljbffr Kawasaki