Credit Analyst

AutoNation Inc; Irvine (CA); On-site; USD 32,000 - 67,000; Full time

Benefits offered by this job

401k matching

Health insurance

Vehicle discounts

Deal discounts

DRVPNK donations

Job summary

AutoNation Inc in Irvine, CA seeks a Credit Analyst to underwrite and review applications from new and used auto dealers. You will communicate decisions, uphold fair lending practices, and meet productivity and quality targets.

This onsite role offers hourly pay between $23.03 and $48.38, with benefits including 401k matching, health insurance, and dealership-focused incentives. You will interact daily with dealers, analyze credit, and partner with AutoNation Finance Sales Managers.

Qualifications

• Knowledge of Consumer Auto Finance with 2–5 years of underwriting experience.
• Strong understanding of credit review processes and credit scoring.
• Strong analytical, organizational, and time management skills.
• Strong verbal and written communication skills.
• Proven ability to develop business relationships with dealer principals and sales teams.

Responsibilities

• Review, analyze, and underwrite complex auto loans within company guidelines.
• Assist with negotiation of contracts based on lending guidelines.
• Interact daily with automotive dealerships and gather information to make credit decisions; explain rationale when needed.
• Build and maintain effective relationships with assigned dealership base.
• Build and maintain positive working relationships with peers and Sales Managers.

Skills

Analytical skills

Communication skills

Negotiation skills

Relationship building

Time management

Job description

AutoNation is one of the largest automotive retailers in the United States, offering innovative products, exceptional services, and comprehensive solutions, empowering our customers to make the best decisions for their needs. With a network of dealerships nationwide strengthened by a recognized brand, we offer a wide variety of new and used vehicles, customer financing, parts, and provide expert maintenance and repair services. Through DRV PNK, we have raised over $40 million for cancer-related causes, demonstrating our commitment to making a positive difference in the lives of our Associates, Customers, and the communities we serve.

So what do you say? Are you ready to be part of something big?

As a Credit Analyst, you will underwrite, and review submitted applications from new and used automotive dealers. In addition, you will communicate decisions to appropriate individuals, uphold fair lending practices, and meet targets for productivity, quality and customer satisfaction.

This role is an onsite position based at our Irvine, California location.

Compensation: The anticipated pay range is $23.03-$48.38 per hour, depending on experience, qualifications, and relevant skills.

Job Responsibilities

• Review, analyze and underwrite complex auto loans within company guidelines.


• Assist with negotiation of contracts based on lending guidelines.


• Interact daily with automotive dealerships and gather information needed to make appropriate credit decisions with the ability to explain the rationale behind credit decisions made to dealerships and AutoNation Finance Sales Managers if needed.


• Build and maintain effective relationship with assigned automotive dealership base


• Build and maintain positive working relationships with peers and Sales Managers

Essential Knowledge, Skill and Licenses

• Knowledge of Consumer Auto Finance with 2 - 5 years of underwriting experience required


• Thorough knowledge of credit review process and credit scoring


• Strong analytical, organizational and time management skills


• Strong verbal and written communication skills


• Demonstrated ability to develop business relationships with dealer principals, Sales Team as well as Peers


• Strong negotiation and decision-making skills

$29.03 - $48.38

Exciting Benefits and Perks Await You:

• Competitive compensation and 401k matching


• Enjoy a healthy work-life balance with insurance plans (health, dental, vision) and maternity benefits.


• Associate purchase and discount programs for new and pre-owned vehicles, services, parts, collision, accessories, and AutoGear


• Access amazing deals and discounts through YouDecide, a website with offers from top providers and retailers


• Join our DRVPNK mission to raise and donate millions of dollars to cancer research and treatment, partnering with cancer charities nationwide

AutoNation is committed to creating a diverse, equitable, and inclusive environment in our workplace and the services we provide. We welcome candidates from all backgrounds who are passionate about making a positive impact. Even if you do not meet every requirement, we encourage you to apply. Join our team and help us foster a culture of belonging while contributing to our revolutionary work in the automotive industry. We value innovation, teamwork, and a commitment to making a positive impact in the world.