Senior Consumer Credit Analyst

Location(s):
Irving, TX (Onsite/Hybrid) or Las Vegas, NV (Remote)

Job Schedule:

Work hours - M to F 8 hrs shift between 7 am to 11 pm CT with flexibility to work on weekends on rotation

Sponsorship: no

Shape the Future of Mobility at Nissan:
Launch Your Career, Drive Innovation

We are currently looking for a Sr. Consumer Credit Analyst to join our team in Irving, TX (Onsite/Hybrid) or Las Vegas, NV (Remote) or anywhere in the US (Remote).

Work hours will be Monday to Friday 8 hrs/ day shift scheduled between 7 am to 11 pm CT with flexibility to work on weekends on rotation required. Residents of Metro 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. Determines the risk level based on an evaluation and assessment of the Credit Bureau and other sources. Negotiates tiers and term and reviews deal structure with dealers. Negotiates with dealers on escalated deal requests, providing support and guidance for Credit Level I and II analysts. Assists in monitoring workflow and ensuring appropriate staffing levels and coverage.

Develops and maintains a positive business relationship with the dealers, providing customer service and support.

• Evaluates credit applications based on information received from credit bureau reports and various other sources.
• Negotiates with dealers on disputed loan or lease decisions made by Credit Analyst's Level I and II.
• Assists analysts with escalated dealer calls.
• Analyzes the credit risk of potential lease and retail customers and confirms or denies loans.
• Negotiates decisions, tiers, and terms on applications, approvals and declines.
• Utilizes risk scoring and credit analysis to administer a risk‑based pricing finance program.
• Assists in the training of new credit analysts to properly administer credit policies and procedures.
• Reviews loan and lease decisions by analysts for compliance with underwriting policy.
• Coordinates with the Field Sales team to promote and maintain positive relations with the dealer base. Builds and maintains dealer relationships by providing excellent customer service.
• Performs side‑by‑side coaching and guidance of Analysts to ensure quality and consistency of lease and retail purchase decisions.
• Monitors credit application and inbound call workflow to ensure coverage of queues and calls. As necessary, performs other related duties of which the above are representative.

Education and Years of

Experience:

Bachelor's degree in finance or a related field with a minimum of 4 years credit lending experience is required, with 2 years of secured credit buying experience preferred, especially in automotive finance. Or an Associate's degree in finance or a related field with a minimum of 5 years credit lending experience, with 3 years of secured credit buying experience, preferably in automotive finance.

Or a high‑school diploma with a minimum of 8 years credit lending experience, with 5 years of secured credit buying experience, preferably in automotive finance.

Job Knowledge and Skill: Basic knowledge of consumer credit analysis and approval process. Thorough knowledge of financial institutions/Finance. Excellent customer service, interpersonal, negotiation and analytical skills. Good problem solving, written and verbal communication skills.

Computer

Skills:

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 your 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 our organization.

Be supported with a Comprehensive Benefits Package, including medical, mental health, parental leave,…