Small Business Credit Analyst I

Job Description

Job Description

Position Summary :

The Small Business Credit Analyst I is responsible for evaluating business applications by analyzing commercial and consumer bureaus to assess creditworthiness of potential borrowers. The Small Business Credit Analyst I makes recommendations, issues approvals, and declines credit requests in accordance with company credit risk policies, compliance guidelines, and profitability models.

Must have reliable transportation and live within a commutable distance to the following city: Dallas, TX

Essential Responsibilities :

• Review business loan and lease applications and conduct underwriting activities to assess risk, including analyzing commercial and consumer credit reports and other relevant data
• Ensure compliance with company lending policies, regulations, and industry standards by following underwriting procedures
• Determine credit limits, terms, structure, and interest rates based on risk assessment and company lending policies
• Communicate application outcomes to dealers via phone, email, or other appropriate means of communication to solicit business
• Handle inbound calls and make outbound calls to negotiate final terms of contracts with both dealer customers and SFS Dealer Relationship Managers
• Maintain confidentiality of personal information for consumers, including, but not limited to, Social Security numbers, and dates of birth
• Other duties as assigned

Qualifications and Competencies Required 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.

Required Experience:

• One (1) year minimum of auto finance experience as a loan processor, funder, or underwriter
• BS/BA degree in Business, Finance or Accounting or other related field considered in lieu of job experience

Education:

• High school diploma or GED, required

Skills Required:

• Intermediate skills using MS Office applications such as Word, PowerPoint and Excel
• Effective communication skills, both written and verbal
• Strong analytical and problem-solving skills
• Ability to make sound decisions based on thorough analysis and evaluation
• Exceptional attention to detail and accuracy
• Ability to meet tight deadlines within a fast-paced environment
• High level of integrity and ethical conduct
• Overtime required – required on an as needed basis
• Travel 0-10% - as required on an as needed basis

Qualifications Preferred:

• BS/BA Degree in Business, Finance or Accounting or other related field, is preferred
• Understanding of credit reports, credit risk assessment, and underwriting principles is a plus
• Knowledge of industry specific web-based tools such as DnB, Experian, LexisNexis, etc. is preferred

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. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties 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. 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 environment is usually moderate.

Work Schedule This position requires the ability to work various shifts to accommodate business needs. Typically, between the hours of 8AM-6PM Monday through Friday and on weekends as needed. Travel is required 10% of the time.

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.