Credit Analyst II (TX)

Kawasaki Motors Corp., U.S.A.; Irving (TX); On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

Medical, Dental, Vision

401(k) match

Paid time off

Paid holidays

Employee discounts

Job summary

Kawasaki Motors Corp., U.S.A. in Irving, TX, seeks a Credit Analyst to evaluate powersports loan applications, assess creditworthiness, and structure terms balancing risk and growth.

Collaborate with dealers and internal teams to communicate decisions, train partners, and resolve issues, with on-site presence in Irving.

Qualifications

• Minimum 5 years of credit analysis experience in powersports/motor vehicle lending.
• Proficient with Microsoft Office (Word, Excel, PowerPoint).
• Strong interpersonal and relationship management skills.
• Ability to work independently and in a fast-paced environment; assess credit risk.

Responsibilities

• Analyze and render decisions on incoming credit applications for powersports loans.
• Assess borrower creditworthiness using credit reports, structure, and other tools.
• Collaborate with dealers to negotiate deal terms while maintaining credit quality.
• Communicate credit decisions clearly to dealer partners and sales team.
• Build and maintain relationships with dealers to support growth.
• Provide training to dealer partners on credit processes and policies.
• Handle escalated dealer or credit partner issues requiring discretion.

Skills

Credit analysis

Communication skills

Negotiation

Risk assessment

Education

High School Diploma

Associate degree

Finance or Business degree

Tools

Microsoft Office

LOS (Loan Origination System)

Job description

Join the newly established captive finance company of the leading global brand, Kawasaki Motors, based in Foothill Ranch, CA. Our commitment to innovation and quality has made Kawasaki a trusted name in the powersports industry. We provide our customers with exceptional products and services, including top-notch retail finance solutions. Join our team and be part of a dynamic company that values excellence, customer satisfaction, and continuous improvement. Together, we can help our customers embark on their next adventure with confidence and ease.

Key Responsibilities:

• Analyze and render decisions on incoming credit applications for powersports loans, ensuring adherence to company guidelines and risk policies.
• Assess borrower creditworthiness through credit reports, structure, and other tools.
• Collaborate with dealers to negotiate deal terms where necessary, working to maximize capture rate while maintaining credit quality.
• Communicate credit decisions clearly and professionally to dealer partners and the sales team.
• Build and maintain strong relationships with dealers to support business growth and promote loyalty.
• Conduct timely follow-ups on approved applications.
• Review and resolve funding exceptions in a timely and accurate manner.
• Review and resolve questions from newly hired employees and Credit Analyst I.
• Provide ongoing training to dealer partners on credit processes, funding requirements, and company policies.
• Handle both incoming and outgoing calls.
• Actively remind and educate dealers on value-added products such as KPP (Kawasaki Protection Plus) to enhance customer offerings and increase product penetration.
• Demonstrate excellent verbal and written communication skills in all interactions with internal teams and external partners.
• Work closely with internal teams (sales, funding, customer service and credit).
• Assist in developing underwriting procedures and training tools.
• Handle escalated dealer or credit partner issues that require higher discretion and problem-solving.
• Assist management in training new hires.
• Support the Credit Manager in auditing files for accuracy and compliance.
• Utilize Microsoft Office and Loan Origination Systems (LOS) to process and manage loan applications.

Qualifications:

• A minimum of 5 years of experience in credit analysis in powersports/motor vehicle lending.
• Proficiency in Microsoft Office (Word, Excel, PowerPoint).
• High school diploma, associate degree or equivalent in Finance, Business, or related field.
• Strong interpersonal and relationship management skills.
• Proven ability to assess credit risk and make sound lending decisions.
• Ability to work independently and collaboratively in a fast-paced and changing environment.
• Strong analytical and decision-making skills.
• Research and problem-solving capabilities.
• Excellent communication and interpersonal skills.
• Ability to follow established procedures and processes.
• Act as a resource for dealer and staff questions regarding the KMRF’s loan programs.
• Ability to work on-site at our office in Irving, TX.

Profile Differentiators:

• Experience in founding, co-founding or working in a fast-paced startup environment.
• Experience in Powersports Finance Industry (motorcycle, ATVs UTVs, PWCs)
• Experience in a FinTech startup.
• Advanced Professional degree

To support your health and wellness goals, Kawasaki provides a comprehensive benefits program dedicated to the well-being of our employees and their families.

What We Offer:

• Competitive salary based on experience
• Medical, Dental, Vision and Pet insurance
• 401(k) match
• Life and Disability benefits
• Generous PTO policy
• Up to 12 paid company holidays
• Employee discounts on Kawasaki products

KMRF is an Equal Opportunity Employer; employment with KMRF is governed on the basis of merit, competence and qualifications and will not be influenced in any manner by race, color, religion, gender, national origin/ethnicity, veteran status, disability status, age, sexual orientation, gender identity, marital status, mental or physical disability or any other legally protected status.