Consumer Credit Analyst II

Location

Dallas, TX (Onsite/Hybrid) or Las Vegas, NV (Remote) or anywhere in US (Remote).

Work hours:

Monday to Friday, 8-hour shift between 7 am and 11 pm CT with flexibility to work weekends on rotation. Residents of Dallas and commutable distance to Dallas should be open to work 5 days in office.

Analyzes consumer credit applications to determine the credit worthiness of applicants within smaller markets and determines the risk level based on an evaluation and assessment of the Credit Bureau and other sources. Negotiates tiers and terms, reviews deal structure with dealers, develops and maintains a positive business relationship with the dealers, providing customer service and support regarding credit policy and the dealer's applicants.

Credit Analyst position assigned to entry-level regional assignment, non-Metro area, with cross-regional movement for growth and development.

• Evaluates credit applications based on information received from credit bureau reports and various other sources.
• Ensures decisions conform to credit guidelines and lending retail authority levels of a Credit Level I analyst at entry-level regional assignment, and makes credit decision recommendations to Credit Level II and Senior Analyst for credit approval. Authority level may progress based on demonstrated performance measurements.
• Processes and decides credit applications received and presented in LOS, decisions VRU, Funding, Transfer of Equity and Internet queues, dealer inbound phone calls and initiates outbound dealer calls.
• Develops and maintains business relationships with dealer personnel; interacts with dealers regarding lending decisions based on credit evaluations.
• Negotiates credit decision tiers and terms on applications, approvals and declines; utilizes scoring and credit analysis to administer a risk-based finance program.
• Maintains positive relationship with support staff and Field Service Managers to resolve credit and finance issues, supporting the Field team and Funding department by solving credit, finance, and compliance issues.
• Performs other related duties as necessary.

Required

Bachelor's degree in Finance or related field with minimum of 2 years credit lending experience and 1 year secured credit buying experience (preferably automotive finance). Or Associate's degree in Finance or related field with minimum of 3 years credit lending experience and 1-2 years secured credit buying experience (preferably automotive finance). Or high-school diploma with minimum of 7 years credit lending experience and 2 years secured credit buying experience (preferably automotive finance).

Proficient in computer use to look up data or information, generate/print standard reports or spreadsheets, and use computer programs developed by others.

Benefit from diverse career paths, cross-departmental moves, and innovative learning platforms. Enhance skills through seminars, leadership training, and tuition reimbursement programs, all while playing a vital role in shaping the future of transportation. From day one, you'll have the support to tackle challenges and contribute to impactful solutions across the organization.

Supported with a comprehensive benefits package, including medical, mental health, parental leave, retirement savings, and unique Nissan perks such as discounts on lease vehicles (Employee Lease Program) and a Vehicle Purchase Program (VPP). For more information, access the Nissan Benefits Overview Guide.

Nissan is committed to a drug-free workplace. All employment is contingent upon the successful completion of drug and background screenings in accordance with Nissan policies and applicable laws, including the California Fair Chance Act and the Los Angeles County Fair Chance Ordinance. Nissan will consider qualified candidates with arrest or conviction records for employment in compliance with these laws.

It is Nissan's policy to provide Equal Employment Opportunity (EEO) to all persons regardless of race, gender, military status, disability, or any other status protected by law. Candidates must be legally authorized to work in the United States and will be required to provide proof of employment eligibility at the time of hire;
Nissan uses E-Verify to validate employment eligibility.

Salary Range: $56,776 - $87,510 per year.