Small Business Credit Analyst I
On-siteDallas, Texas, United States
Job Summary
Review business loan and lease applications and conduct underwriting activities to assess risk by analyzing commercial and consumer credit reports. Make recommendations, issue approvals, and decline credit requests in accordance with company credit risk policies, compliance guidelines, and profitability models. Determine credit limits, terms, structure, and interest rates based on risk assessment. Communicate application outcomes to dealers via phone or email to solicit business and handle inbound and outbound calls to negotiate final contract terms. Maintain confidentiality of personal information, including Social Security numbers. This role requires one year of auto finance experience, a BS/BA degree in Business, Finance, or Accounting, and proficiency with MS Office. Overtime is required on an as-needed basis, and the position involves travel up to 10% of the time. Candidates must reside within a commutable distance to Dallas, TX, and be authorized to work in the United States.
Required Qualifications
- Must have reliable transportation
- Must live within a commutable distance to Dallas, TX
- One (1) year minimum of auto finance experience as a loan processor, funder, or underwriter
- BS/BA degree in Business, Finance or Accounting or other related field considered in lieu of job experience
- High school diploma or GED
- Intermediate skills using MS Office applications such as Word, PowerPoint and Excel
- Effective communication skills, both written and verbal
- Strong analytical and problem-solving skills
- Ability to make sound decisions based on thorough analysis and evaluation
- Exceptional attention to detail and accuracy
- Ability to meet tight deadlines within a fast-paced environment
- High level of integrity and ethical conduct
- Overtime required on an as needed basis
- Travel 0-10% - as required on an as needed basis
- Work various shifts to accommodate business needs
- Typically, between the hours of 8AM-6PM Monday through Friday and on weekends as needed
- Travel is required 10% of the time
- An applicant must be authorized to work in the United States
Desired Qualifications
- BS/BA Degree in Business, Finance or Accounting or other related field, is preferred
- Understanding of credit reports, credit risk assessment, and underwriting principles is a plus
- Knowledge of industry specific web-based tools such as DnB, Experian, LexisNexis, etc. is preferred
Hiring someone like this?
Get your role in front of qualified candidates on Sorce.