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. Makes recommendations, issues approvals and declines credit requests in accordance with Stellantis Financial Services credit risk policies, compliance guidelines, and profitability models.

EXPERIENCE:

• Minimum 3 years auto industry experience as a credit analyst or related automotive disciplines.

EDUCATION:

• High school diploma and or/GED.

SKILLS REQUIRED:

• Ability to read, analyze and interpret industry specific periodicals, technical manuals, and government regulations.
• Effective communication and interpersonal skills.
• Ability to calculate figures and amounts relative to discounts, interest, commissions, proportions, percentages, volume, installment contracts, and interpret paycheck information.
• Ability to derive conclusions and make recommendations beyond the scope of written policies or standard guidelines.
• Proficient in using Microsoft Office Suite.
• Ability to handle high call and application volumes and manage competing demands.
  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: Atlanta, GA; Dallas, TX; Detroit, MI; Houston, TX; Phoenix, AZ.

• Review and evaluate all credit reports in commonly used formats as well as any format unique to SFS.
• Accurately apply credit policies, in accordance with FCRA, across multiple product lines for various loan types.
• Manage exceptions to published credit authority using judgment and experience to produce risk outcomes within company expectations.
• Complete final disposition on credit applications or forwards to appropriate level of authority for final approval.
• Makes outbound and handles inbound calls to negotiate final terms of contracts with both our dealer customer and the DRM.
• Assists with escalated calls from Dealers and DRMs who are unhappy about a credit decision. Re-evaluates decisions and handles professionally to maintain a positive relationship.
• Participates in targeted outbound call campaigns as time permits, in coordination with the DRMs in an effort to cultivate long-term dealer relationships.
• Works directly with the Funding department and DRMs to resolve credit and verification issues that arise in funding.
• Provide guidance, training, and mentorship to junior level 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: 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.