Consumer Credit Analyst II

Location(s): Dallas, TX (Onsite/Hybrid) or Las Vegas, NV (Remote)

Job Schedule: Work hours – M to F 8 hrs shift between 7 am to 11 pm CT with flexibility to work on weekends on rotation

Sponsorship: no 

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We are currently looking for a Consumer Credit Analyst II to join our team in Dallas, TX (Onsite/Hybrid) or Las Vegas, NV (Remote) or anywhere in US (Remote).

Work hours will be Monday to Friday 8 hrs/ day shift scheduled between 7 am to 11 pm CT with flexibility to work on weekends on rotation required. Residents of Dallas and commutable distance to Dallas should be open to work 5 days in office.

Job Description Summary

Analyzes consumer credit applications to determine the credit worthiness of applicants within smaller markets and determines the risk level based on an evaluation and assessment of the Credit Bureau and other sources. Negotiates tiers and term and reviews deal structure with dealers, develops and maintains a positive business relationship with the dealers, providing customer service and support to the dealer regarding credit policy and the dealer's applicants. Credit Analyst position assigned to entry-level regional assignment, non-Metro area, with cross-regional movement for growth and development.

A Day in the Life:   

• Evaluates credit applications based on information received from credit bureau reports and various other sources.

• Ensures that decisions conform to credit guidelines and lending retail authority levels of a Credit Level I analyst at entry-level regional assignment, makes credit decision recommendations to Credit Level II and Senior Analyst for credit approval. Authority level may progress based on demonstrated performance measurements.

• Processes and decisions credit applications received and presented in LOS, decisions VRU, Funding, Transfer of Equity and Internet queues, dealer inbound phone calls and initiates outbound dealer calls.

• Develops and maintains business relationships with dealer personnel. Interacts with dealers regarding lending decisions based on credit evaluations.

• Negotiates credit decisions tiers and terms on applications, approvals and declines. Utilizes scoring and credit analysis to administer to a risk-based finance program.

• Maintains positive relationship with support staff and Field Service Managers to resolve credit and finance issues. Supports the Field team and Funding department by solving credit, finance, and compliance issues.

• As necessary, performs other related duties of which the above is representative.

Who We’re Looking for:

Required:

Education and Years of Experience:

Bachelor's degree in Finance or degree in related field with minimum of 2 years credit lending experience required, with 1 years of secured credit buying experience required preferably in automotive finance will be beneficial. Or Associate’s degree in Finance or degree in related field with minimum of 3 years credit lending experience required, with 1 to 2 years of secured credit buying experience required preferably in automotive finance will be beneficial. Or High-school diploma with minimum of 7 years credit lending experience required, with 2 years of secured credit buying experience required preferably in automotive finance will be beneficial.

Computer Skills:

Proficient in Computer use to look up data or information, to generate/print standard reports or spreadsheets developed by others, or to use computer programs developed by others.

What You’ll Look Forward to at Nissan:

Career Growth and Continuous Learning Opportunities: Benefit from diverse career paths, cross-departmental moves, and innovative learning platforms. Enhance your skills through seminars, leadership training, and tuition reimbursement programs, all while playing a vital role in shaping the future of transportation. From day one, you'll have the support to tackle challenges and contribute to impactful solutions across our organization.

Rewards: Be supported with a Comprehensive Benefits Package, including medical, mental health, parental leave, retirement savings & unique Nissan perks, including discounts on lease vehicles as part of our Employee Lease Program and a Vehicle Purchase Program (VPP). For more information, access our Nissan Benefits Overview Guide.

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