Small Business Credit Analyst I

Position Summary The Small Business Credit Analyst I is responsible for evaluating business applications by analyzing commercial and consumer bureaus to assess creditworthiness of potential borrowers The Small Business Credit Analyst I makes recommendations issues approvals and declines credit requests in accordance with company credit risk policies compliance guidelines and profitability models Must have reliable transportation and live within a commutable distance to the following city Dallas TX Essential Responsibilities Review business loan and lease applications and conduct underwriting activities to assess risk including analyzing commercial and consumer credit reports and other relevant dataEnsure compliance with company lending policies regulations and industry standards by following underwriting proceduresDetermine credit limits terms structure and interest rates based on risk assessment and company lending policiesCommunicate application outcomes to dealers via phone email or other appropriate means of communication to solicit businessHandle inbound calls and make outbound calls to negotiate final terms of contracts with both dealer customers and SFS Dealer Relationship ManagersMaintain confidentiality of personal information for consumers including but not limited to Social Security numbers and dates of birthOther duties as assignedQualifications and Competencies Required 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 andor ability required Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions Required Experience One 1 year minimum of auto finance experience as a loan processor funder or underwriterBSBA degree in Business Finance or Accounting or other related field considered in lieu of job experienceEducation High school diploma or GED requiredSkills Required Intermediate skills using MS Office applications such as Word PowerPoint and ExcelEffective communication skills both written and verbalStrong analytical and problem solving skillsAbility to make sound decisions based on thorough analysis and evaluationExceptional attention to detail and accuracyAbility to meet tight deadlines within a fast paced environmentHigh level of integrity and ethical conductOvertime required required on an as needed basisTravel 0 10 as required on an as needed basisQualifications Preferred BSBA Degree in Business Finance or Accounting or other related field is preferredUnderstanding of credit reports credit risk assessment and underwriting principles is a plusKnowledge of industry specific web based tools such as DnB Experian LexisNexis etc is preferredPhysical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions While performing the duties of this Job the employee is regularly required to sit; use hands to finger handle or feel; reach with hands and arms and talk or hear The employee is occasionally required to stand; walk and stoop kneel crouch or crawl The employee must occasionally lift andor move up to 10 pounds Specific vision abilities required by this job include close vision Work Environment The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions The noise level in the work environment is usually moderate Work Schedule This position requires the ability to 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 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 andor 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