Consumer Credit Analyst

About the role

HCA offers financing, leasing, and insurance solutions to more than 3 million customers and businesses nationwide. We are a company driven by growth, innovation, and people. Join us to build new skills, expand your career, and make a real impact in a diverse, inclusive, and values-driven environment.

Responsibilities

• Evaluate consumer credit applications and assess applicant's creditworthiness in accordance with established underwriting guidelines, credit policy, and risk management standards.
• Support responsible lending decisions by analyzing financial data, credit reports, and supporting documentation while ensuring compliance with regulatory and internal requirements.
• Manage dealer inbound calls and place outbound calls (6+ hours per day) to review applications, communicate decisions, and resolve stipulations based on appropriate authority level.
• Underwrite consumer credit applications received from auto dealers using approved credit policies, scoring models, and risk guidelines.
• Analyze credit bureau data, income verification, debt obligations, and stability indicators to determine credit risk.
• Approve, condition, counteroffer, or decline credit requests in accordance with underwriting authority.
• Partner with sales, operations, and customer service teams to resolve credit conditions or documentation issues.
• Communicate credit decisions and conditions clearly and professionally to internal stakeholders.
• Maintain positive relationships with key stakeholders and Dealers to resolve credit and finance issues.
• Support the Field team and Funding department by solving credit, finance and compliance issues.
• Ensure credit decisions comply with internal credit standards and applicable regulatory requirements (e.g., Fair Lending, ECOA, FCRA).
• Identify potential fraud, misrepresentation, or heightened risk indicators and escalate as appropriate.
• Provide input on emerging credit trends or risk patterns affecting portfolio performance.
• Monitor assigned segments of the consumer credit portfolio for delinquency trends, exception levels, and loss drivers.
• Aid in credit quality reviews, audits, or post booking analyses.
• Support reporting on approval rates, exception volumes, and other underwriting performance metrics.

Requirements

• Prior experience in one or more of the following: Collections, Funding, Dealer Services, Lease End, Customer Service.
• 1+ years’ experience in automotive finance or related financial services preferred.
• Familiarity with automotive dealer operations or sales processes a plus.
• Bachelor’s degree or equivalent work experience.
• Ability to manage high inbound phone volume in a professional and efficient manner.
• Ability to effectively communicate credit decisions to dealers and internal sales teams, including explaining the "why" behind decisions.
• Sound judgment in credit decisioning or recommending credit transactions under pressure.
• Ability to thrive in a fast-paced, high-volume office environment.
• Strong verbal and written communication skills.
• Analytical with high attention to detail.
• Self-starter with excellent time management skills.

Qualifications

• Ability to manage high inbound phone volume in a professional and efficient manner.
• Ability to effectively communicate credit decisions to dealers and internal sales teams, including explaining the "why" behind decisions.
• Sound judgment in credit decisioning or recommending credit transactions under pressure.
• Ability to thrive in a fast-paced, high-volume office environment.
• Strong verbal and written communication skills.
• Analytical with high attention to detail.
• Self-starter with excellent time management skills.

Skills

• Excellent communication skills.
• Attention to detail.
• Ability to manage high inbound phone volume.
• Sound judgment in credit decisioning.
• Ability to thrive in a fast-paced environment.

Benefits

• Vehicle perks – monthly vehicle allowance plus purchase and lease discounts.
• Comprehensive health coverage – medical, dental, and vision plans.
• Employer-funded HSA contributions to help reduce healthcare costs.
• 401(k) with company match and immediate vesting from day one.
• 100% company-paid life and disability insurance.
• Wellbeing benefits including fitness and health resources.
• Leverage programs and career development that support continuous learning.
• Paid Volunteer Time Off and a company charitable donation in your honor.

Pay

$48,552.00 - $72,828.00

Schedule

Rotating schedule including 8-5, 10-7, 11-8 and 12-9Mandatory 3 Saturdays a monthWeekends and Holidays