Senior Credit Analyst

Stellantis Financial Services • Phoenix, AZ

5d • Hybrid

About The Position

Stellantis 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, Citron, 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 is responsible for reviewing and analyzing consumer credit applications, assessing credit history and risk, and providing decision outcomes within Stellantis Financial Services credit risk policies, compliance guidelines and profitability models. The Sr. Credit Analyst operates with an increased level of authority and provides training, mentoring, and support to junior Credit Analysts.

Requirements

• Minimum of 3 years auto industry experience as a credit analyst or related automotive disciplines.
• Minimum 2 years of auto underwriting experience
• High School Diploma / GED
• Strong analytical and organizational skills with close attention to detail.
• Basic windows computer skills.
• Mathematics (percentages), reasoning ability, judgement, and customer-facing skills.
• Intermediate MS Office skill in Excel, Access, Word, and PowerPoint.
• Excellent oral and written communication skills.
• Ability to interface work autonomously and handle multiple projects simultaneously.
• Overtime required required on an as needed basis.
• Travel 0-10% - as required on an as needed basis.
• Must have reliable transportation and live within a commutable distance to one of the following cities: Phoenix, AZ.
• Must have reliable transportation and live within a commutable distance to one of the following cities: Phoenix, AZ.
• An applicant must be authorized to work in the United States to be eligible for this position.
• Stellantis Financial Services, Inc. will not sponsor applicants for work visas of any type for this position.

Responsibilities

• Review and evaluate all credit reports in common formats and credit data to determine the degree of risk involved in extending credit, in accordance with company policy, credit authority, risk appetite, and governing regulations.
• Accurately apply credit policies, in accordance with FCRA, across multiple product lines for various types of loans.
• Manage exceptions to the published credit authority using judgment and experience to produce risk outcomes within company expectations.
• Complete final disposition on credit applications utilizing authorized resources to complete verifications and due diligence when required, forwarding to appropriate level of authority if needed.
• Make outbound calls and manage inbound calls to negotiate final contract terms with both dealer customers and the DRM.
• Participate in targeted outbound call campaigns as time permits, in coordination with the DRMs, to cultivate long-term dealer relationships.
• Interact and communicate through various channels (including inbound and outbound phone calls) with our dealer partners, internal stakeholders and consumers, negotiate, and provide credit review outcomes, respond to inquiries, or support strategic efforts and initiatives.
• Maintain confidentiality of personal information for consumers, including, but not limited to, Social Security numbers and dates of birth.
• Other duties may be assigned.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED