Senior Credit Analyst

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 midsize 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.

Position Summary:

The Sr. Credit Analyst is responsible for reviewing and analyzing consumer credit applications, assessing credit history and risk, and providing decision outcomes within Stellantis Financial Services credit risk policies, compliance guidelines and profitability models. The Sr. Credit Analyst operates with an increased level of authority and provides training, mentoring, and support to junior Credit Analysts.

Essential Duties and Responsibilities:

• Review and evaluate all credit reports in common formats and credit data to determine the degree of risk involved in extending credit, in accordance with company policy, credit authority, risk appetite, and governing regulations.
• Accurately apply credit policies, in accordance with FCRA, across multiple product lines for various types of loans.
• Manage exceptions to the published credit authority using judgment and experience to produce risk outcomes within company expectations.
• Complete final disposition on credit applications utilizing authorized resources to complete verifications and due diligence when required, forwarding to appropriate level of authority if needed.
• Make outbound calls and manage inbound calls to negotiate final contract terms with both dealer customers and the DRM.
• Participate in targeted outbound call campaigns as time permits, in coordination with the DRMs, to cultivate long-term dealer relationships.
• Interact and communicate through various channels (including inbound and outbound phone calls) with our dealer partners, internal stakeholders and consumers, negotiate, and provide credit review outcomes, respond to inquiries, or support strategic efforts and initiatives.
• Maintain confidentiality of personal information for consumers, including, but not limited to, Social Security numbers and dates of birth.
• Other duties may be assigned.

Qualifications and Competencies Required:

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 accommodation may be made to enable individuals with disabilities to perform the essential functions.

Required Experience:

• Minimum of 3 years’ auto industry experience as a credit analyst or related automotive disciplines.
• Minimum 2 years of auto underwriting experience

Education:

High School Diploma / GED

Skills Required:

• Strong analytical and organizational skills with close attention to detail.
• Basic windows computer skills.
• Mathematics (percentages), reasoning ability, judgement, and customer-facing skills.
• Intermediate MS Office skill in Excel, Access, Word, and PowerPoint.
• Excellent oral and written communication skills.
• Ability to interface work autonomously and handle multiple projects simultaneously.

Additional Requirements:

• Overtime required – required on an as needed basis.
• Travel 0-10% - as required on an as needed basis.
• Must have reliable transportation and live within a commutable distance to one of the following cities: Phoenix, AZ.

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.

Schedule This position is a hybrid role, requiring in-office presence [#] days per week. This position requires the ability to work various shifts to accommodate business needs. Typically, between the hours of 8AM-10PM Monday through Friday and on weekends ( every other Saturday, some Sundays) and holidays as needed. Travel is required 10% of the time.

An applicant must be authorized to work in the United States to be eligible for this position. Stellantis Financial Services, Inc. will not sponsor applicants for work visas of any type for this position.

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