Credit Analyst - Powersports Lending

Kawasaki Motors Retail Finance is seeking a dedicated and experienced Credit Analyst to join our team. This role is integral to the setup and success of our underwriting operations. The ideal candidate will work closely with the Underwriting Manager to establish and streamline underwriting processes and ensure efficient and effective operations.

Key Responsibilities:

• Analyze and render decisions on incoming credit applications for powersports loans, ensuring adherence to company guidelines and risk policies.
• Assess borrower creditworthiness through credit reports, structure and other tools.
• Collaborate with dealers to negotiate deal terms where necessary, working to maximize capture rate while maintaining credit quality.
• Communicate credit decisions clearly and professionally to dealer partners and the sales team.
• Build and maintain strong relationships with dealers to support business growth and promote loyalty.
• Conduct timely follow-ups on approved applications.
• Review and resolve funding exceptions in a timely and accurate manner.
• Provide ongoing training to dealer partners on credit processes, funding requirements, and company policies.
• Handle both incoming and outgoing calls.
• Actively remind and educate dealers on value-added products such as KPP (Kawasaki Protection Plus) to enhance customer offerings and increase product penetration.
• Demonstrate excellent verbal and written communication skills in all interactions with internal teams and external partners.
• Work closely with internal teams (sales, funding, customer service and credit).
• Assist in developing underwriting procedures and training tools.
• Collaborate with the Credit Manager to set up the business and ensure adherence to regulatory requirements.
• Utilize Microsoft Office and Loan Origination Systems (LOS) to process and manage loan applications.
• All other duties as assigned.

Qualifications:

• A minimum of 5 years of experience in credit analysis in powersports/motor vehicle lending.
• Proficiency in Microsoft Office (Word, Excel, PowerPoint).
• High school diploma, associate degree or equivalent in Finance, Business, or related field.
• Strong interpersonal and relationship management skills.
• Proven ability to assess credit risk and make sound lending decisions.
• Ability to work independently and collaboratively in a fast-paced and changing environment.
• Strong analytical and decision-making skills.
• Research and problem-solving capabilities.
• Excellent communication and interpersonal skills.
• Act as a resource for dealer and staff questions regarding the KMRF’s loan programs.
• Ability to work on-site at our Dallas, TX office (new location TBD in Dallas Metro area).

Profile Differentiators:

• Experience in founding, co-founding or working in a fast-paced startup environment.
• Experience in Powersports Finance Industry (motorcycle, ATVs UTVs, PWCs)
• Experience in a FinTech startup.
• Advanced Professional degree

Equal Opportunity:

KMRF is an Equal Opportunity Employer; employment with KMRF is governed on the basis of merit, competence and qualifications and will not be influenced in any manner by race, color, religion, gender, national origin/ethnicity, veteran status, disability status, age, sexual orientation, gender identity, marital status, mental or physical disability or any other legally protected status.