Job Summary
This role will be responsible for: 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 term and reviews deal structure with dealers, develops and maintains a positive business relationship with the dealers, providing customer service and support to the dealer 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.
*Position is eligible to work remotely*
**Candidate must be willing to commit to weekend shift which includes both Saturdays and Sundays as well as some evening hours.**
Job Functions
The following job function statements describe the general nature and level of work being performed. They are not to be construed as an exhaustive list of all responsibilities, duties and skills required of personnel so classified. The job function statements reflect expectations of the fully trained, proficient incumbent who meets all performance criteria.
1. Evaluates credit applications based on information received from credit bureau reports and various other sources. Ensures that decisions conform to credit guidelines and lending retail authority levels of a Credit Level I analyst at entry-level Regional assignment, makes credit decision recommendations to Credit Level II and Senior Analyst for credit approval. Authority level may progress based on demonstrated performance measurements.
2. Processes and decisions 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.
3. Develops and maintains business relationships with dealer personnel. Interacts with dealers regarding lending decisions based on credit evaluations.
4. Negotiates credit decisions tiers and terms on applications, approvals and declines. Utilizes scoring and credit analysis to administer to a risk-based finance program.
5. Maintains positive relationship with support staff and Field Service Managers to resolve credit and finance issues. Supports the Field team and Funding department by solving credit, finance, and compliance issues.
6. As necessary, performs other related duties of which the above are representative.
Minimum Qualifications and Demonstrated Knowledge, Skills & Abilities
The following qualification statements reflect the minimum skills and abilities required of the qualified applicant.
• 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.
• Experience:
1 or 2 years credit experience.
• Education:
Bachelor's degree in Finance or degree in related field preferred or 9-10 years sales finance experience, including 1-2 of credit experience
• Computer Skills:
Proficient in: Computer use to look up data or information, to generate/print standard reports or spreadsheets developed by others, or to use computer programs developed by others.
Physical Requirements
The physical requirements described below are representative of those an employee must normally meet to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable otherwise qualified individuals with disabilities to perform the essential job functions.
Travel:
Occasional day and overnight travel.
All of us at Nissan – regardless of functional area or expertise – share a passion to design, manufacture, and sell high-performance vehicles. 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 for this position 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.
**Visa sponsorship for this position is not available at this time.**
Salary Range Estimate: Annual Salary: ($57,880-$96,182). This compensation range is provided as a reasonable estimate of the salary range for the job’s grade level. Factors that may be used to determine your actual salary may include, among other things, your specific skills, your work location, how many years of experience you have, and comparison to other employees already in this role.
NISSAN FOR EVERYONE
People are our most valuable assets, and diversity and inclusion are the key to maximizing the power of each individual member of our team. When everyone belongs, the power of NISSAN is undeniable. Our Corporate Diversity Initiative aims to improve business results by ensuring that our workplace and core businesses meet the unique needs of our employees and customer base.
Nissan is committed to creating a culture where everyone belongs and employees, customers, and partners feel respected, valued, and heard. We have over 10 Business Synergy Teams (BSTs) across the U.S. and Canada that connect employees – with shared characteristics or interests – build allies, and foster a company culture where all employees feel supported and included.
Nissan also values inclusion in all areas of our business as we strive to mirror the diversity of our customer base and the communities where we do business. We are committed to procuring innovative goods and services, retailing our products and communicating from a diverse perspective which will help us continue to offer our customers competitively designed, market-driven products.
Join us as we carry our commitment to diversity and inclusion into the future.
Irving Texas United States of America