Hybrid Credit Analyst II – Auto Finance

Stellantis Financial Services; Phoenix (AZ); Hybrid; USD 65,000 - 90,000; Full time

Job summary

Stellantis Financial Services is seeking a Credit Analyst II to evaluate consumer lease and loan applications by analyzing financial data and credit information. You will support responsible lending, portfolio performance, and dealership partnerships within policy and regulatory guidelines.

The role emphasizes accuracy, communication with dealers and customers, and collaboration with Funding, DRMs, and Fraud to resolve verifications and exceptions. A hybrid work arrangement is available.

Qualifications

• Minimum 2 years' experience in auto finance or a similar industry.
• Minimum 1 year of auto underwriting experience.
• High school diploma or GED required.

Responsibilities

• Review and analyze credit reports and related financial data to assess creditworthiness and risk in alignment with company policy, delegated credit authority, and governing regulations such as the FCRA, ECOA, and Regulation M.
• Build and maintain strong dealer relationships while supporting business volume and ensuring adherence to quality control, credit quality, and compliance expectations.
• Apply sound judgment and experience when managing exceptions to established credit authority, ensuring credit decisions align with company standards for responsible and consistent decisioning.
• Issue final decisions on credit applications by conducting required verifications and due diligence, escalating applications to appropriate authority levels when necessary.
• Communicate credit decisions and support inquiries through multiple channels (including inbound and outbound phone calls), partnering with dealer representatives, consumers, and internal stakeholders to negotiate outcomes and support strategic initiatives.
• Collaborate with Funding, DRMs, and the Fraud Department to resolve verification challenges, identify red flags, and ensure timely and accurate processing of applications.
• Safeguard sensitive consumer information—including Social Security numbers and dates of birth—by upholding strict confidentiality and data-privacy standards.
• Perform additional duties and support departmental initiatives as business needs arise.

Skills

Analytical skills

Attention to detail

Organizational skills

Customer-facing skills

Communication skills

Autonomous work

Multi-tasking

Education

High school diploma or GED

Tools

Windows-based computer systems

Microsoft Office Suite

Job description

Stellantis Financial Services is seeking a Credit Analyst II to evaluate consumer lease and loan applications by analyzing financial data and credit information. You will support responsible lending, portfolio performance, and dealership partnerships within policy and regulatory guidelines.

The role emphasizes accuracy, communication with dealers and customers, and collaboration with Funding, DRMs, and Fraud to resolve verifications and exceptions. A hybrid work arrangement is available.