Sr. Credit Analyst

Sr Credit Analyst

BASIC FUNCTION
The Sr Credit Analyst supports all credit functions and indirect business activity within the branch. This team member has contact with other company departments, as well as automobile dealers and other finance and credit sources.


JOB DUTIES
Develop and maintain sufficient dealer relationships to ensure company volume objectives and credit quality standards are met.
Review credit data and make decisions regarding credit approval and investment criteria within credit authority established by senior management and state/federal laws.
Capture automotive finance contracts that meet AmeriCredit profitability criteria for pricing and performance.
Ensure compliance with applicable policies and procedures.
Ensure branch office cooperation with other departments to maximize efficiency within the company.
Participate in dealer off-site sales, as needed.
Ensures all queues are worked to acceptable service levels.
Conduct joint dealer calls with Dealer Relationship Manager (DRM) on an as needed basis.
Perform outbound telemarketing calls to the dealer customer.
Establish and track monthly goals for assigned dealers.
Ensure proper documentation is received on all deals.


OTHER IMPORTANT DUTIES
Perform related duties as needed.
Assist with the training of Credit Analysts, as needed.



REPORTING RELATIONSHIP
Reports to: Regional Credit Manager
REQUIREMENTS
QUALIFICATIONS

Knowledge
Advanced knowledge of indirect retail auto financing and other facets of consumer credit, including knowledge of credit laws and regulations.
Working knowledge of the credit laws and regulations as well as the Company's credit policies.

Skills
Sales skills necessary to develop and maintain productive dealer relationships.
Ability to independently evaluate and make consistent, quality credit decisions that produce acceptable ratios and returns for the company.
Effective oral and written communication skills.
Ability to effectively negotiate contract terms that help meet company objectives.
Superior work ethic.
Superior customer relations skills.

Experience
Proven record and extensive background in consumer finance industry, including 2 years auto finance experience.
High School Diploma or GED required.
College degree preferred.

WORK CONDITIONS

High energy and fast paced office environment, subject to stressful situations.