Senior Analyst Consumer Credit

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Location(s): Irving, TX Job Schedule: Full-time Education Requirement: Sponsorship: No Come Drive Innovation with Us. We are currently looking for a Senior Analyst Consumer Credit to join our team in Irving, TX. 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. **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.** A Day in the Life: The responsibilities listed are not intended to be an exhaustive list of all duties for this role. Additional tasks may be assigned, as needed, to support business objectives. 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 Who We're Looking for: Required: Education and Experience: Amount of experience required varies based on the type of degree obtained and is listed below: - Bachelor's degree in finance or degree in related field: Minimum of 4 years credit lending experience required, with 2 years of secured credit buying experience required. Experience in automotive finance is preferred. - Associate's degree in finance or degree in related field: Minimum of 5 years credit lending experience required, with 3 years of secured credit buying experience required. Experience in automotive finance is preferred. - High-school diploma: Minimum of 8 years credit lending experience required, with 5 years of secured credit buying experience required. Experience in automotive finance is preferred. Job Knowledge and Skill: Thorough knowledge of consumer credit analysis and approval process. Excellent customer service, interpersonal, negotiation, conflict resolution and analytical skills. Good problem solving, written and verbal communication skills. Travel : Occasional overnight travel may be required. What You'll Look Forward to at Nissan: Career Growth and Continuous Learning Opportunities: 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. Rewards: Be supported with a Comprehensive Benefits Package, including medical, mental health, parental leave, retirement savings & unique Nissan perks, including discounts on lease vehicles as part of our Employee Lease Program and a Vehicle Purchase Program (VPP). For more information, access our Nissan Benefits Overview Guide . Built for Your Best: https://www.youtube.com/watch?v=PXuame0vwiw&list=PLki2k0CDxrPe8V6WmEeEdhj1fosRD-JQa 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 in compliance with federal, state, and local 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 a manner consistent 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 b

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