Job description

Analyzes consumer credit applications to determine the credit worthiness of applicants. Determines the risk level based on an evaluation and assessment of the Credit Bureau and other sources. Negotiates tiers and term and reviews deal structure with dealers. Negotiates with dealers on escalated deal requests, providing support and guidance for Credit Level I and II analysts. Assists in monitoring workflow and ensuring appropriate staffing levels and coverage. Develops and maintains a positive business relationship with the dealers, providing customer service and support.

**Position is eligible to work remotely*

“Candidate must be willing to work an alternating Saturday schedule consistent with dealer operations”

Job Functions

The following job function statements describe the general nature and level of work being performed. They are not to be construed as an exhaustive list of all responsibilities, duties and skills required of personnel so classified. The job function statements reflect expectations of the fully trained, proficient incumbent who meets all performance criteria.

Evaluates credit applications based on information received from credit bureau reports and various other sources.
Negotiates with dealers on disputed loan or lease decisions made by Credit Analyst’s Level I and II. Assists analysts with escalated dealer calls.
Analyzes the credit risk of potential lease and retail customers and confirms or denies loans. Negotiates decisions, tiers, and terms on applications, approvals and declines.
Utilizes risk scoring and credit analysis to administer a risk-based pricing finance program.
Assists in the training of new credit analysts to properly administer credit policies and procedures. Reviews loan and lease decisions by analysts for compliance with underwriting policy.
Coordinates with the Field Sales team to promote and maintain positive relations with the dealer base. Builds and maintains dealer relationships by providing excellent customer service.
Performs side-by-side coaching and guidance of Analysts to ensure quality and consistency of lease and retail purchase decisions.
Monitors credit application and inbound call workflow to ensure coverage of queues and calls.
As necessary, performs other related duties of which the above are representative.

Minimum Qualifications

The following qualification statements reflect the minimum skills and abilities required of the qualified applicant.

Job Knowledge and Skill: Thorough knowledge of consumer credit analysis and approval process. Excellent customer service, interpersonal, negotiation, conflict resolution and analytical skills. Good problem solving, written and verbal communication skills.
Experience: Five years NMAC credit buying experience with demonstrated performance or 7 years or more credit buying experience – preferred automotive, with increasing responsibility, including training new hires and performing as a subject matter expert.
Education: Bachelor's degree in Finance or degree in related field required.
Computer Skills: Computer use to look up data or information, to generate/print standard reports or spreadsheets developed by others, or to use computer programs developed by others.

Physical Requirements

The physical requirements described below are representative of those an employee must normally meet to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable otherwise qualified individuals with disabilities to perform the essential job functions.

Travel: Occasional overnight travel.

Nissan is committed to a drug-free workplace. All employment is contingent upon successful completion of a drug screen for roles based in the United States and background screening for all positions.

All of us at Nissan – regardless of functional area or expertise – share a passion to design, manufacture, and sell high-performance vehicles. It is Nissan’s policy to provide Equal Employment Opportunity (EEO) to all persons regardless of race, gender, military status, disability, or any other status protected by law. Candidates for this position must be legally authorized to work in the United States and will be required to provide proof of employment eligibility at the time of hire; Nissan uses E-Verify to validate employment eligibility.

NISSAN FOR EVERYONE

People are our most valuable assets, and diversity and inclusion are the key to maximizing the power of each individual member of our team. When everyone belongs, the power of NISSAN is undeniable. Our Corporate Diversity Initiative aims to improve business results by ensuring that our workplace and core businesses meet the unique needs of our employees and customer base.

Nissan is committed to creating a culture where everyone belongs and employees, customers, and partners feel respected, valued, and heard. We have over 10 Business Synergy Teams (BSTs) across the U.S. and Canada that connect employees – with shared characteristics or interests – build allies, and foster a company culture where all employees feel supported and included.

Nissan also values inclusion in all areas of our business as we strive to mirror the diversity of our customer base and the communities where we do business. We are committed to procuring innovative goods and services, retailing our products and communicating from a diverse perspective which will help us continue to offer our customers competitively designed, market-driven products.

Join us as we carry our commitment to diversity and inclusion into the future.

Irving Texas United States of America

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