Credit Analyst

Credit Analyst 

Job Summary:

The Credit Analyst will report to Premier Auto Credit’s General Manager and will have two main primary responsibilities, in addition to other duties, these two include identifying the creditworthiness of individuals to determine the risk involved in extending credit and analyzing the loan structures submitted by independent auto dealers.

Duties/Responsibilities:

• Review credit applications submitted by auto dealers.
• Adhere to lender guidelines to make sound credit decisions.
• Work with dealers, the marketing team, and management to find solutions.
• Set interest rate and minimum or maximum term for customers based on earnings, payment history, and purchase activity.
• Compile information, complete loan applications, and detail the degree of risk involved in loan request; recommend approval or denial based on results.
• Use computer software to further evaluate customers’ financial status and produce financial ratios.
• Perform other related duties as assigned.

Required Skills/Abilities:

• Must be organized, analytical, and able to multitask and complete duties in a timely manner.
• Excellent verbal and written communication skills.
• Proficient in Microsoft Office Suite (MS Word and Excel), as well as analysis software.
• Basic understanding of relevant policies, procedures and strategies used in credit analysis.
• Ability to identify discrepancies and problems.

Education and Experience:

• Must have 3 years of experience in underwriting sub-prime auto loans.
• Bachelor’s degree in accounting, Economics, Finance, Statistics, or Mathematics or comparable work experience.

Eligibility Requirements:

• Must have unrestricted work authorization to work in the United States.
• Ability to work Saturdays with a day off during the week, when necessary for business needs. 

Physical Requirements: 

• Prolonged periods sitting at a desk and working on a computer.
• Must be able to lift up to 15 pounds at times. 

Benefits Overview:  

Full Time Employee Benefits upon completion of 90-day probationary period include: 

• Employer sponsored medical, dental, vision and life insurance/AD&D coverage opportunities.
• Flexible Spending Accounts (FSA).
  • The company pays 80% of premiums for medical plans for employees only.
• Paid time off accrual opportunity & holiday pay.
• 401k retirement plan (4% employer matching).

NOTE: This job description is not intended to be an exhaustive list of all duties, responsibilities, or qualifications associated with the job. Premier Auto Credit reserves the right to modify and change responsibilities and duties herein without notice. Pay will be determined based on individual qualifications and experience.

EEO Disclaimer

Premier Auto Credit provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.