Credit Analyst

5 days ago

Deerfield Beach, Florida, United States JM&A Group Full time $60,000 - $120,000 per year

Credit Analyst (Grade 5/6)

The Credit Department is responsible for administering a consistent purchase policy while supporting the Southeast Toyota dealer body. The department reviews retail and lease credit applications for purchase while maintaining compliance of all internal and external guidelines and regulations.

Position Overview

The Credit Analyst is responsible for researching and analyzing credit risks, assessing credit history and approving or denying extension of credit to potential customers. This associate has contact with other company departments, as well as automobile dealers, retail customers, and other finance and credit sources.

Position Responsibilities

The SETF Credit Department is searching for a Credit Analyst to make sound credit decisions on automotive retail and lease offerings. Duties include but are not limited to:

  • Leverage credit data to determine the degree of risk involved in extending credit. Make decisions to approve or deny the extension of credit within set credit authority and guidelines established by senior management and state/federal laws. Procure and maintain strong performing credit portfolio.

  • Cultivate and preserve strong dealer relationships by communicating in a pro-active manner and offering support to ensure volume objectives and credit quality are achieve.

  • Leverages empathy to communicate the rationale when deals are conditioned or declined. Manages difficult or emotional customer situations. Responds promptly to customer needs.

  • Exemplifies our core values by treating associates with respect; keeps commitments; inspires the trust of others.

  • Ensure compliance to state, federal lending laws including ECOA, UDAAP and Truth in Lending.

  • Ability to evaluate financial documents to calculate income and ability to repay.

Position Qualifications

  • Bachelor's degree or equivalent work experience.

  • 1-3 years of automotive lending experience required. Knowledge of credit reporting agencies, ability to analyze credit reports.

  • Excellent analytical, problem-solving, and decision-making skills, leveraging both logic and creativity that translate information into actionable results while delivering high quality outcomes.

  • Must possess strong organizational, verbal and written communication skills.

  • Strong relationship building skills with the ability to establish rapport with associates at all levels throughout the organization and within our dealerships.

  • Ability to work in a fast paced, high volume team-based environment.

  • Must be able to work late nights, Saturdays and holidays on a rotational basis.

  • Must be an active participant in the business continuity plan by volunteering for bunker or flyout teams on a rotational basis.

  • Prior experience working with direct dealership contact or dealership facing functions preferred .

  • Prior experience with LOS systems (Defi preferred).

#Hybrid

#LI-NK1

This job description may not be inclusive of all assigned duties, responsibilities, or aspects of the job described, and may be amended at any time at the sole discretion of JM Family. All work arrangements are subject to associate performance, business need and manager discretion, and may be revised as necessary.

JM FAMILY IS PROUD TO BE AN EQUAL OPPORTUNITY EMPLOYER 

JM Family Enterprises, Inc. is an Equal Employment Opportunity employer. We are committed to recruiting, hiring, retaining, and promoting qualified associates without regard to age, race, religion, color, gender, sex (including pregnancy, childbirth and related medical conditions), sexual orientation, gender identity, gender expression, mental or physical disability, national origin, marital status, citizenship, military status, genetic information, veteran status, or any other characteristic protected by federal, state, provincial, or local law.

DISABILITY ACCOMMODATIONS 

If you have a disability and require a reasonable accommodation to complete the job application process, please contact JM Family's Talent Acquisition department at for assistance. If you have an accommodation request for one of our recruiting events, please notify us at least 72 hours prior so that we may provide assistance. 

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