Lease Credit Analyst II

Position Summary

The Lease Credit Analyst II is responsible for reviewing and analyzing consumer credit applications, assessing credit history and risk, and providing decision outcomes within Stellantis Financial Services credit risk policies, compliance guidelines and profitability models.

• Review and evaluate credit reports and credit data to determine the degree of risk involved in extending credit, in accordance with company policy, credit authority, risk appetite, and governing regulations (e.g., FCRA, ECOA, Reg M).
• Develop and maintain strong dealer relationships while ensuring volume, quality control and credit quality objectives are met.
• Manage exceptions to published credit authority using judgment and experience to produce risk outcomes within company expectations.
• Complete final disposition on credit applications utilizing authorized resources to complete verifications and due diligence when required, forwarding to appropriate level of authority if needed.
• Interact and communicate through various channels (including inbound and outbound phone calls) with our dealer partners, internal stakeholders and consumers, negotiate, and provide credit review outcomes, respond to inquiries, or support strategic efforts and initiatives.
• Maintain confidentiality due to regular access to specified personal information of consumers, including, but not limited to, Social Security numbers and dates of birth.
• Perform other ad hoc duties as assigned.

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, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Minimum 2 years’ auto finance or similar experience.
• Minimum 1 year of auto underwriting experience.

• High school diploma and/or GED

• Strong analytical and organizational skills with close attention to detail.
• Mathematics (percentages), reasoning ability, judgement, and customer-facing skills.
• Intermediate MS Office skill in Excel, Access, Word, and PowerPoint.
• Excellent oral and written communication skills.
• Ability to interface work autonomously and handle multiple projects simultaneously.

• Experience – Captive, retail automotive franchise dealership, and/or lease auto underwriting experience.

Overtime required – required on an as needed basis.

Travel 0-10% – as required on an as needed basis.

Must have reliable transportation and live within a commutable distance to one of the following cities:
Dallas, TX;
Detroit, MI;
Phoenix, AZ.

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. Required to use a headset and or telephone for calls. The employee is occasionally required to stand; walk and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 10 pounds.

Specific vision abilities required by this job include close vision.

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.

This position requires the ability to work various shifts to accommodate business needs, which may include evening hours, holidays, and weekends. 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, and/or 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.