Lease Credit Auto Underwriter (Hybrid)

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

Job summary

Stellantis Financial Services, Inc. (SFS) is the captive finance company for a global automaker, delivering credit products and services across a growing dealer network.

This Lease Credit Analyst II (Auto Underwriter) role involves reviewing credit applications, assessing risk, and delivering informed decision outcomes within policy constraints. The position requires strong analytical skills, familiarity with credit reporting and regulatory guidelines, and the ability to manage multiple dealer

Qualifications

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

Responsibilities

• Review and evaluate credit reports and credit data to determine the degree of risk involved in extending credit, in accordance with company policy, credit authority, risk appetite, and governing regulations (e.g., FCRA, ECOA, Reg M)
• Develop and maintain strong dealer relationships while ensuring volume, quality control and credit quality objectives are met
• Manage exceptions to published credit authority using judgment and experience to produce risk outcomes within company expectations
• Complete final disposition on credit applications utilizing authorized resources to complete verifications and due diligence when required, forwarding to appropriate level of authority if needed
• Interact and communicate through various channels (including inbound and outbound phone calls) with our dealer partners, internal stakeholders and consumers, negotiate, and provide credit review outcomes, respond to inquiries, or support strategic efforts and initiatives
• Maintain confidentiality due to regular access to specified personal information of consumers, including, but not limited to, Social Security numbers and dates of birth
• Perform other ad hoc duties as assigned

Skills

Analytical skills

Organizational skills

Attention to detail

Communication skills

Autonomous work

Education

High school diploma or GED

Tools

Excel

Access

Word

PowerPoint

Job description

Stellantis Financial Services, Inc. (SFS) is the captive finance company for a global automaker, delivering credit products and services across a growing dealer network.

This Lease Credit Analyst II (Auto Underwriter) role involves reviewing credit applications, assessing risk, and delivering informed decision outcomes within policy constraints. The position requires strong analytical skills, familiarity with credit reporting and regulatory guidelines, and the ability to manage multiple dealer