Lease Credit Analyst II (Auto Underwriter)

Position Summary

The Lease Credit Analyst II (Auto Underwriter) is responsible for reviewing and analyzing consumer credit applications, assessing credit history and risk, and providing decision outcomes within Stellantis Financial Services credit risk policies, compliance guidelines and profitability models.

Duties & Responsibilities

• Review and evaluate credit reports and credit data to determine the degree of risk involved in extending credit, in accordance with company policy, credit authority, risk appetite, and governing regulations (e.g., FCRA, ECOA, Reg M)
• Develop and maintain strong dealer relationships while ensuring volume, quality control and credit quality objectives are met
• Manage exceptions to published credit authority using judgment and experience to produce risk outcomes within company expectations
• Complete final disposition on credit applications utilizing authorized resources to complete verifications and due diligence when required, forwarding to appropriate level of authority if needed
• Interact and communicate through various channels (including inbound and outbound phone calls) with our dealer partners, internal stakeholders and consumers, negotiate, and provide credit review outcomes, respond to inquiries, or support strategic efforts and initiatives
• Maintain confidentiality due to regular access to specified personal information of consumers, including, but not limited to, Social Security numbers and dates of birth
• Perform other ad hoc duties as assigned

Qualifications & Competencies

Required Experience

• Minimum 2 years' auto finance or similar experience
• Minimum 1 year of auto underwriting experience

Education

• High school diploma and/or GED

Skills Required

• Strong analytical and organizational skills with close attention to detail
• Basic Windows computer skills
• Mathematics (percentages), reasoning ability, judgement, and customer-facing skills
• Intermediate MS Office skill in Excel, Access, Word, and PowerPoint
• Excellent oral and written communication skills
• Ability to interface work autonomously and handle multiple projects simultaneously

Preferred Qualifications

• Captive experience, retail automotive franchise dealership, and/or lease auto underwriting experience

Additional Requirements

• Overtime required on an as needed basis
• Travel 0–10% as required on an as needed basis
• This position requires the ability to work various shifts to accommodate business needs, which may include evening hours, holidays, and weekends

Physical Demands

• Regularly required to sit; use hands to finger, handle, or feel; reach with hands and arms; and talk or hear
• Required to use a headset and/or telephone for calls
• Occasionally required to stand; walk; and stoop, kneel, crouch, or crawl
• Must occasionally lift and/or move up to 10 pounds
• Specific vision abilities required include close vision

Work Environment

• Moderate noise level