Senior Credit Analyst

Stellantis Financial Services Job OpportunityStellantis 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.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 customer's 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 SFSAccurately apply credit policies, in accordance with FCRA, across multiple product lines for various loan typesManage exceptions to published credit authority using judgment and experience to produce risk outcomes within company expectationsComplete final disposition on credit applications or forwards to appropriate level of authority for final approvalMake 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 relationshipParticipate in targeted outbound call campaigns as time permits, in coordination with the DRMs in an effort to cultivate long-term dealer relationshipsWork directly with the Funding department and DRMs to resolve credit and verification issues that arise in fundingProvide guidance, training, and mentorship to junior level associates within the departmentMaintain confidentiality of personal information for consumers, including, but not limited to, Social Security numbers, and dates of birthOther duties may be assignedQualifications & 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 disciplinesEducation:High school diploma and or/GEDSkills Required:Ability to read, analyze and interpret industry specific periodicals, technical manuals, and government regulationsEffective communication and interpersonal skillsAbility to calculate figures and amounts relative to discounts, interest, commissions, proportions, percentages, volume, installment contracts, and interpret paycheck informationAbility to derive conclusions and make recommendations beyond the scope of written policies or standard guidelinesProficient in using Microsoft Office SuiteAbility to handle high call and application volumes and manage competing demandsOvertime:Required on an as needed basisTravel:0-10% as required on an as needed basisPhysical 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.