Credit Analyst

The Southeast Toyota Finance (SETF) Credit Department is searching for a Credit Analyst to make sound credit decisions on automotive retail and lease offerings.

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.

Responsibilities:

• 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
• Ability to evaluate financial documents to calculate income and ability to repay
• Support your credit decision with detailed documentation and due diligence to show your thought process in a clear and concise manner
• Procure and maintain a strong-performing credit portfolio
• Maintain quality (A/C%, booked to approval) productivity (inbound/outbound calls, application volume, credit & doc exceptions) and dealer service standards consistent with the team average
• Ensure compliance with state and federal lending laws including ECOA, UDAAP, and truth in lending
• Cultivate and preserve strong dealer relationships by communicating in a proactive manner and offering support to ensure volume objectives and credit quality are achieved
• Leverages empathy to communicate the rationale when deals are conditioned or declined and manages difficult or emotional customer situations
• Responds promptly to customer needs
• Exemplifies our core values by treating associates with respect, keeps commitments, and inspires the trust of others

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
• The ability to analyze business/commercial financial statements is a plus
• Ability to work in a fast-paced and 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) 

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