Sr. Credit Analyst

Job Description

Job Description

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 Sr. Credit Analyst will be responsible for evaluating credit and other relevant data to determine the credit risk of potential customers. Make recommendations, issue approvals, and decline credit requests in accordance with Stellantis Financial Services' credit risk policies, compliance guidelines, and profitability models.

Essential Duties and Responsibilities :

• Review and evaluate all credit reports in common formats as well as any format unique to SFS.
• 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 or escalate to the appropriate level of authority for final approval.
• Make outbound calls and manage inbound calls to negotiate final contract terms with both dealer customers and the DRM.
• Assist with escalated calls from dealers and DRMs who are dissatisfied with a credit decision. Re-evaluate decisions and manage them professionally to maintain positive relationships.
• Participate in targeted outbound call campaigns as time permits, in coordination with the DRMs, to cultivate long-term dealer relationships.
• Work directly with the Funding department and DRMs to resolve credit and verification issues that arise during funding.
• Provide guidance, training, and mentorship to junior associates within the department.
• Maintain confidentiality of personal information for consumers, including, but not limited to, Social Security numbers and dates of birth.
• Other duties may be 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 represent the knowledge, skills, and / or abilities required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

Required Experience :

Education :

Skills Required :

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 accommodation 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 ten 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 accommodation 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 8 AM - 6 PM, 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 with 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.