Quality Control Analyst I - Originations

Stellantis Financial Services (SFS) is the new captive finance company for one of the world's leading automakers and a mobility provider with iconic brands including Abarth, Alfa Romeo, Chrysler, Citroën, Dodge, DS Automobiles, Fiat, Jeep®, Lancia, Maserati, Opel, Peugeot, Ram, Vauxhall, Free2move and Leasys.

Our exciting growth provides opportunities to advance your career as we successfully lead products and services from a small to mid-size company in just a few years. Join our world class team and culture and contribute to our core mission which is enhancing our customer's experience.

This is a hybrid position. Must have reliable transportation and live within a commutable distance to Houston, TX.

Position Summary:

The Quality Control Analyst – Originations is responsible for auditing loan contracts to ensure adherence with internal, state, and Federal policies and regulatory guidelines. Detect errors and omissions in the funding process and potential fraud.

Duties & Responsibilities:

• Review and ensure the accuracy of completed loan contract documents, including data entry accuracy regarding names, address, SSN, DOB, and contract structure
• Analyze loan applications and collaborate with credit and funding teams to ensure compliance with company policies governing extension of credit, government lending policies, procedures, an all applicable federal/regulatory guidelines (ECOA, Fair Lending, CRA, FCRA, etc.)
• Communicate with the loan processing team to resolve any discrepancies prior to booking loans
• Utilize product/procedures knowledge to resolve issues while following pre-established quality policies and procedures
• Ensure quality information is entered accurately and timely for tracking and reporting
• Offer suggestions for process improvements
• Identify red flags when reviewing credit reports, credit applications, paystubs, or other documentation with required stipulations
• Maintain familiarity with Auto financing policy and procedures
• Perform other projects and clerical tasks assigned by the Quality Control Manager – Originations, Associate Director of Originations Quality Control, and Managing Director of Credit Operations
• Maintain confidentiality due to regular access to specified personal information of consumers, including, but not limited to, Social Security numbers and dates of birth
• Perform other ad hoc duties as assigned

Qualifications & Competencies: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Experience:

• Minimum 1-year relevant auto dealership or auto finance experience

Education:

• High school diploma and or/GED

Skills Required:

• Strong knowledge of federal regulatory guidelines (ECOA, Fair Lending, CRA, FCRA, etc.)
• Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume
• Excellent communication and interpersonal skills
• Ability to interface work autonomously and handle multiple projects simultaneously
• Proficient in using loan processing software and Microsoft Office Suite
• Ability to derive conclusions and make recommendations beyond the scope of written policies or standard guidelines
• Strong analytical and organizational skills with close attention to detail
• Ability to work under minimal supervisor and collaboratively in a team-oriented environment

Additional:

• Overtime required required on an as needed basis
• Travel 0 -10% as required on an as needed basis

Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

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 work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate.

Work Schedule: This position is a hybrid role, requiring in-office presence, per business needs. This position requires the ability to work various shifts to accommodate business needs. Typically, between the hours of 8AM-7PM Monday through Friday and on weekends as needed. Travel is required 10% of the time.

Stellantis Financial Services, Inc (SFS) is an equal opportunity employer and is committed to providing its employees an environment that is free of harassment, discrimination, and intimidation. It is the policy of SFS to comply with all applicable employment laws and regulations and to provide equal opportunity for all qualified persons and to not discriminate against any employee or applicant for employment because of race, color, religion, sex, age, national origin, disability, pregnancy, sexual orientation, veteran status, gender identity or expression, change of sex, and/or transgender status or any protected status.

Candidates must possess authorization to work in the United States. This policy applies to recruitment and placement, promotion, training, transfer, retention, rate of pay and all other terms and conditions of employment. Employment and promotion decisions will be based solely on merit, ability, achievement, experience, conduct and other legitimate business reasons.