Small Business Credit Analyst
Stellantis Financial Services US

Stellantis Financial Services (SFC) is the new captive finance company for one of the world's leading automakers and a mobility provider with iconic brands including Abarth, Alfa Romeo, Chrysler, Citro n, Dodge, DS Automobiles, Fiat, Jeep , Lancia, Maserati, Opel, Peugeot, Ram, Vauxhall, Free2move and Leasys.

Our exciting growth provides opportunities to advance your career as we successfully lead products and services from a small to midsize company in just a few years. Join our world class team and culture and contribute to our core mission which is enhancing our customer's experience.

Job Summary

Evaluates credit and other relevant data to determine the credit risk of potential small business customers. Makes recommendations, issues approvals and declines credit requests in accordance with Stellantis Financial Services (SFS),credit risk policies, compliance guidelines and profitability models.

Essential Duties and Responsibilities include the following.

• Reviews and evaluates all commercial credit reports in commonly used formats as well as any format unique to SFS.
• Accurately applies credit policies across multiple product lines for various loan types to approve, decline or condition a commercial deal.
• Works with Senior Small Business Credit Analysts and Small Business Loan officers and seeks assistance in order to understand the program and make sound credit decisions.
• Utilizes phone and web based tools to complete verifications as deemed necessary.
• Manages exceptions to published credit authority using judgment and experience to produce risk outcomes within company expectations.
• Completes final disposition on credit applications or forwards to appropriate level of authority for final approval.
• Communicates loan application outcomes to dealer via phone, email or other appropriate means and follows-up with calls to solicit business.
• Ensures responses to dealers are issued within established service level parameters.
• Makes outbound and handles inbound calls to negotiate final terms of contracts with both our dealer customer and internal business partners.
• Participates in targeted outbound call campaigns, as time permits, in coordination with business partners in an effort to cultivate long-term dealer relationships.
• Works directly with the Funding department to resolve credit and verification issues that arise in funding.
• Complies with all company policies and procedures.
• This position involves regular access to specified personal information of consumers, including, but not limited to, Social Security numbers and dates of birth.
• Communicate with Senior Small Business Credit Analysts and Loan Officers to identify opportunities for potential line of credit clients.
• This position involves regular access to specified personal information of consumers, including, but not limited to, Social Security numbers and dates of birth.
• Various tasks and projects as assigned.

Competencies To perform the job successfully, an individual should demonstrate the following competencies:

• Attention to detail ability to work accurately and to identify, analyze, prevent and solve problems.
• Customer Service - Manages difficult or emotional customer situations; Responds promptly to customer needs; Solicits customer feedback to improve service; Responds to requests for service and assistance; Meets commitments.
• Interpersonal Skills Ability to work with others, ability to gain credibility, provide effective customer service and foster positive working relationships with internal and external stakeholders.
• Oral Communication Able to translate, summarize, and communicate complex ideas and clearly articulate concepts to multiple audiences.
• Written Communication Excellent writing, proofing and editing skills.
• Teamwork - Balances team and individual responsibilities; Contributes to building a positive team spirit;
• Change Management - Develops workable implementation plans; Communicates changes effectively; Builds commitment and overcomes resistance;
• Quality Management - Looks for ways to improve and promote quality; Demonstrates accuracy and thoroughness.
• Ethics - Treats people with respect; Keeps commitments; inspires the trust of others; Works with integrity and ethically; Upholds organizational values.
• Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; supports organization's goals and values.
• Planning/Organizing - Uses time efficiently; able to perform and prioritize multiple tasks seamlessly; Develops realistic action plans.
• Professionalism - Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position; Accepts responsibility for own actions; Follows through on commitments.
• Quality - Demonstrates accuracy and thoroughness; Applies feedback to improve performance.
• Adaptability - Changes approach or method to best fit the situation; Able to deal with frequent change, delays, or unexpected events.
• Dependability - Follows instructions, responds to management direction; Takes responsibility for own actions; Commits to long hours of work when necessary to reach goals; Completes tasks on time or notifies appropriate person with an alternate plan.
• Initiative - Asks for and offers help when needed.
• Innovation - Meets challenges with resourcefulness; Generates suggestions for improving work.

Qualifications 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

Education and/or Experience

Bachelor's degree in related field or 2 years of professional experience in a commercial, financial or automotive finance setting.

Mathematical Skills Algebraic calculations are periodically required to calculate items relevant to a commercial contract or line of credit.

Computer Skills To perform this job successfully, an individual should have beginning to intermediate MS Office skill in Excel, Word and PowerPoint.

Preferred Skills Knowledge of industry specific web based tools such as DnB, Experian, LexisNexis, etc.

Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

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. 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.

Work Environment 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.

Work Schedule This position requires the ability to work various shifts to accommodate business needs. Typically, between the hours of 8AM-6PM Monday through Friday and on weekends as needed. Travel is required 10% of the time.

Stellantis Financial Services 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 Stellantis Financial Services 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, 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. All employment with Stellantis Financial Services is at-will employment.