Senior Consumer Credit Analyst

Sr. Consumer Credit Analyst

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.

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We are currently looking for a Sr. Consumer Credit Analyst 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. 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. Negotiates with dealers on escalated deal requests, providing support and guidance for Credit Level I and II analysts. Assists in monitoring workflow and ensuring appropriate staffing levels and coverage. Develops and maintains a positive business relationship with the dealers, providing customer service and support.

A Day in the Life

• Evaluates credit applications based on information received from credit bureau reports and various other sources.
• Negotiates with dealers on disputed loan or lease decisions made by Credit Analyst's Level I and II.
• Assists analysts with escalated dealer calls.
• Analyzes the credit risk of potential lease and retail customers and confirms or denies loans.
• Negotiates decisions, tiers, and terms on applications, approvals and declines.
• Utilizes risk scoring and credit analysis to administer a risk-based pricing finance program.
• Assists in the training of new credit analysts to properly administer credit policies and procedures.
• Reviews loan and lease decisions by analysts for compliance with underwriting policy.
• Coordinates with the Field Sales team to promote and maintain positive relations with the dealer base. Builds and maintains dealer relationships by providing excellent customer service.
• Performs side-by-side coaching and guidance of Analysts to ensure quality and consistency of lease and retail purchase decisions.
• Monitors credit application and inbound call workflow to ensure coverage of queues and calls. As necessary, performs other related duties of which the above are representative.

Who We're Looking For

Education and Years of Experience : Bachelor's degree in finance or degree in related field with minimum of 4 years credit lending experience required, with 2 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 5 years credit lending experience required, with 3 years of secured credit buying experience required preferably in automotive finance will be beneficial. Or High-school diploma with minimum of 8 years credit lending experience required, with 5 years of secured credit buying experience required preferably in automotive finance will be beneficial.

Job Knowledge and Skill : Basic knowledge of consumer credit analysis and approval process. Thorough knowledge of financial institutions / Finance. Excellent customer service, interpersonal, negotiation and analytical skills. Good problem solving, written and verbal communication skills.

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).

Nissan is committed to a drug-free workplace. All employment is contingent upon the successful completion of drug and background screenings in accordance with Nissan policies and in compliance with federal, state, and local laws, including the California Fair Chance Act and the Los Angeles County Fair Chance Ordinance. Nissan will consider qualified candidates with arrest or conviction records for employment in a manner consistent with these laws.

It is Nissan's policy to provide Equal Employment Opportunity (EEO) to all persons regardless of race, gender, military status, disability, or any other status protected by law. Candidates for this position must be legally authorized to work in the United States and will be required to provide proof of employment eligibility at the time of hire; Nissan uses E-Verify to validate employment eligibility.

Nissan For Everyone

People are our most valuable assets, and diversity and inclusion are the key to maximizing the power of each individual member of our team. When everyone belongs, the power of NISSAN is undeniable. Our Corporate Diversity Initiative aims to improve business results by ensuring that our workplace and core businesses meet the unique needs of our employees and customer base.

Nissan is committed to creating a culture where everyone belongs and employees, customers, and partners feel respected, valued, and heard. We have over 10 Business Synergy Teams (BSTs) across the U.S. and Canada that connect employees with shared characteristics or interests build allies, and foster a company culture where all employees feel supported and included.

Nissan also values inclusion in all areas of our business as we strive to mirror the diversity of our customer base and the communities where we do business. We are committed to procuring innovative goods and services, retailing our products and communicating from a diverse perspective which will help us continue to offer our customers competitively designed, market-driven products.

Join us as we carry our commitment to diversity and inclusion into the future.