Credit Analyst II Position in Phoenix, AZ

About the role

Credit Analyst position assigned to larger/major metro market, responsible for evaluating consumer credit applications, determining risk levels, negotiating terms, and maintaining positive business relationships with dealers.

Responsibilities

• Evaluates credit applications based on credit bureau reports and other sources.
• Ensures credit decisions conform to credit guidelines and lending retail authority levels for a Credit Level II analyst.
• Processes and decisions credit applications received via LOS, handles dealer inbound/outbound calls, and escalated dealer inquiries.
• Develops and maintains business relationships with dealer personnel.
• Interacts with dealers regarding lending decisions based on credit evaluations.
• Negotiates credit decision tiers and terms on applications, approvals, and declines.
• Utilizes scoring and credit analysis to administer a risk-based finance program.
• Maintains positive relationships with support staff and Field Service Managers to resolve credit, finance, and compliance issues.
• Supports the Field team and Funding Department by solving credit, finance, and compliance issues.
• Performs other related duties as necessary.

Requirements

• Thorough knowledge of consumer credit analysis and approval process.
• Excellent customer service, interpersonal, negotiation, and analytical skills.
• Good problem-solving, written, and verbal communication skills.
• Minimum of 1.5 years credit buying experience (automotive experience highly preferred).
• For NMAC employees: must have rotated through 2 regions as an Analyst I and possess an additional 2 years of NMAC experience (preferably in Collections, Funding, or Customer Service).
• For external candidates: minimum of 3.5 years of professional experience, including at least 1.5 years in credit analysis.
• Bachelor’s degree.
• Proficiency in computer use for data lookup, generating reports, and using standard programs.

Schedule

Must be available to work until 10:00 p.m., depending on the region, and on rotating weekends.