Small Business Credit Analyst I
Stellantis Financial ServicesAbout the role
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, 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 Small Business Credit Analyst I will be responsible for evaluating business applications by analyzing commercial and consumer bureaus to assess creditworthiness of potential borrowers. The Small Business Credit Analyst I will make recommendations, issue approvals, and decline credit requests in accordance with company credit risk policies, compliance guidelines, and profitability models.
Essential Duties and 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.
- Determines 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.
- Handles inbound calls and makes outbound calls to negotiate final terms of contracts with both dealer customers and SFS Dealer Relationship Managers.
- Maintains 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.
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