Credit Analyst II - CA

Location: Foothill Ranch

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 Foothill Ranch, CA.

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 Fin Tech startup.

* Advanced Professional degree

Hourly Range:

$37.00-$39.00

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

* Onsite fitness center

* Kawasaki Kafe

Equal Opportunity:

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.