Small Business Credit Analyst I

Position Summary

The Small Business Credit Analyst I is responsible for evaluating business applications by analyzing commercial and consumer bureaus to assess creditworthiness of potential borrowers. The Small Business Credit Analyst I makes recommendations, issues approvals, and declines credit requests in accordance with company credit risk policies, compliance guidelines, and profitability models.

Essential Responsibilities

• Review business loan and lease applications and conduct underwriting activities to assess risk, including analyzing commercial and consumer credit reports and other relevant data
• Ensure compliance with company lending policies, regulations, and industry standards by following underwriting procedures
• Determine credit limits, terms, structure, and interest rates based on risk assessment and company lending policies
• Communicate application outcomes to dealers via phone, email, or other appropriate means of communication to solicit business
• Handle inbound calls and make outbound calls to negotiate final terms of contracts with both dealer customers and SFS Dealer Relationship Managers
• Maintain confidentiality of personal information for consumers, including, but not limited to, Social Security numbers, and dates of birth
• Other duties as assigned

Required Experience

• One (1) year minimum of auto finance experience as a loan processor, funder, or underwriter
• BS/BA degree in Business, Finance or Accounting or other related field considered in lieu of job experience

Education

• High school diploma or GED, required

Skills Required

• Intermediate skills using MS Office applications such as Word, PowerPoint and Excel
• Effective communication skills, both written and verbal
• Strong analytical and problem-solving skills
• Ability to make sound decisions based on thorough analysis and evaluation
• Exceptional attention to detail and accuracy
• Ability to meet tight deadlines within a fast-paced environment
• High level of integrity and ethical conduct
• Overtime required – required on an as needed basis
• Travel 0-10% - as required on an as needed basis

Qualifications Preferred

• BS/BA Degree in Business, Finance or Accounting or other related field, is preferred
• Understanding of credit reports, credit risk assessment, and underwriting principles is a plus
• Knowledge of industry specific web-based tools such as DnB, Experian, LexisNexis, etc. is preferred

Physical Demands

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 10 pounds. Specific vision abilities required by this job include close vision.

Work Environment

The noise level in the work environment is usually moderate.

Work Schedule

• Ability to work various shifts to accommodate business needs
• Typically between the hours of 8AM-6PM Monday through Friday and on weekends as needed
• Travel is required 10% of the time