What are the responsibilities and job description for the Credit Analyst - Powersports position at Kawasaki Motors Retail Finance?
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 Foothill Ranch, CA office
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
Hourly Range:
$30.00/hr. - $36.00/hr., based on experience and qualifications.
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 fitness center
- Kawasaki Kafé
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.
Salary : $30 - $36