Lease Credit Analyst II

2 months ago


Houston, United States First Investors Financial Services, Inc. Full time

Summary: The Lease Credit Analyst II reviews and analyzes credit risks, assesses credit history and either approves, conditions or declines an extension of credit to potential lease customers in accordance with Stellantis Financial Services credit risk policies, compliance guidelines and profitability models. Provides training and mentoring to other entry level lease analysts. Essential Duties and Responsibilities: Reviews and evaluates credit reports and credit data to determine the degree of risk involved in extending credit. Develop and maintain strong dealer relationships while ensuring volume and credit quality objectives are being met. Accurately applies credit decisions in accordance with company policy and procedures, credit approval authorities, FCRA and Reg M. Works side by side with entry level lease analysts and provides training and guidance on utilizing the system and assists with credit decision questions. Utilizes phone, fax and web-based tools to complete verifications as deemed necessary. Manages exceptions to published credit authority using judgment and experience to produce risk outcomes within company expectations. Completes final disposition on credit applications or forwards to appropriate level of authority for final approval. Communicates loan application outcomes to dealer via phone, email or other appropriate means and follows-up with calls to capture lease business. Ensures responses to dealers are issued within established service level parameters. Makes outbound and handles inbound calls to negotiate final terms of contracts with both our dealer customer and the DRM. Participates in targeted outbound call campaigns as time permits, in coordination with the DRMs in an effort to cultivate long-term dealer relationships. Works directly with the Funding department and DRMs to resolve credit and verification issues that arise in funding. Utilizes daily reports and other data to provide support to the DRM in training and managing SFS relationship with our dealer customer. Performs other ad hoc duties as assigned. This position involves regular access to specified personal information of consumers, including, but not limited to, Social Security numbers and dates of birth. It is the Lease Credit Analyst IIs responsibility to safeguard this information. Qualifications: 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. Education and/or Experience: The knowledge, skills and abilities typically acquired through the completion of a high school diploma and/or GED. Candidates should have a minimum of two years auto underwriting experience. Captive and/or lease auto underwriting experience is a plus. Skills: Strong verbal, mathematical, reasoning ability, computer, problem solving, interpersonal, written communication, business acumen and sound judgment skills. 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.

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