Credit Analyst III - TX

Key Responsibilities:

Leadership Skills:

• Lead the comprehensive training and ongoing development of both new and current employees to promote consistency, proficiency, and adherence to departmental procedures.
• In the absence of a manager, provide supervisory oversight and continuity of day-to-day credit operations.
• Partner with Credit Managers to support business operations and ensure adherence to regulatory requirements.
• Oversee file audits for accuracy, quality, and compliance, and in the absence of a manager, exercise delegated supervisory responsibility to address deficiencies and uphold operational standards.
• Provide leadership support in the review of exception requests, stipulation waivers, and decision overrides; in the absence of a manager, assume an elevated supervisory role with meaningful input into corrective actions, including recommending and, where appropriate, initiating such actions.
• Maintain a vested role in performance and compliance-related corrective actions, with weighted input in the evaluation process and authority to escalate, recommend, and potentially initiate corrective measures in alignment with departmental policy and management guidance.

• Complete strategic initiatives directed by management including cross-functional projects.

Basics:

• Analyze and render decisions on powersports credit applications for loans, within 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.
• Serve as a resource to newly hired employees and Credit Analyst I team members by addressing questions, providing guidance, and reinforcing departmental standards and expectations.
• 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.
• Handle escalated dealer or credit partner issues that require higher discretion and problem-solving.
• Provide coverage and support for the Credit Managers as needed.
• Utilize Microsoft Office and Loan Origination Systems (LOS) to process and manage loan applications.
• All other duties as assigned.

Qualifications:

• A minimum of 7 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 people skills.
• Ability to follow established procedures and processes.
• Act as a resource for dealer and staff questions regarding the KMRF’s loan programs.
• Ability to work on-site at our Irving, TX Office or Foothill Ranch, CA office.

Profile Differentiators:

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

To support your health and wellness goals, Kawasaki provides a comprehensive benefits program dedicated to the well-being of our employees and their families. 

What We Offer: 

• Competitive salary based on experience
• Medical, Dental, Vision and Pet insurance
• 401(k) match
• Life and Disability benefits
• Generous PTO policy
• Up to 12 paid company holidays
• Employee discounts on Kawasaki products
• Onsite Cafeteria

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.