Consumer Credit Analyst II

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Location(s):
Dallas, TX (Onsite/Hybrid) or Las Vegas, NV (Remote)

Job Schedule:

Work hours - Monday to Friday 8‑hour shift between 7 am to 11 pm CT, with flexibility to work on weekends on rotation.

Sponsorship: no

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We are currently looking for a Consumer Credit Analyst II to join our team in Dallas, TX (Onsite/Hybrid) or Las Vegas, NV (Remote) or anywhere in the US (Remote). Residents of Dallas and those with commutable distance to Dallas should be open to working 5 days in office.

Job Description Summary

Analyzes consumer credit applications to determine the credit worthiness of applicants within smaller markets and assesses the risk level based on an evaluation of Credit Bureau and other sources. Negotiates tiers and terms, reviews deal structure with dealers, and maintains a positive business relationship with dealers, providing customer service and support regarding credit policy and the dealer's applicants. This entry‑level regional assignment supports cross‑regional movement for growth and development.

• Evaluates credit applications based on information received from credit bureau reports and other sources.
• Ensures decisions conform to credit guidelines and lending retail authority levels; makes credit decision recommendations to Credit Level II and Senior Analyst for credit approval.
• Processes and makes decisions on credit applications received and presented in LOS, decisions VRU, Funding, Transfer of Equity, and Internet queues, dealer inbound phone calls, and initiates outbound dealer calls.
• Develops and maintains business relationships with dealer personnel and interacts with dealers regarding lending decisions based on credit evaluations.
• Negotiates credit decision tiers and terms on applications, approvals, and declines.
• Utilizes scoring and credit analysis to administer a risk‑based finance program.
• Maintains a positive relationship with support staff and Field Service Managers to resolve credit and finance issues, supporting the Field team and Funding department.
• As necessary, performs other related duties.

• Education:
  
  Bachelor’s degree in Finance or related field with a minimum of 2 years credit lending experience (1 year of secured credit buying experience preferred in automotive finance).
  OR
• Associate’s degree in Finance or related field with a minimum of 3 years credit lending experience (1–2 years of secured credit buying experience preferred in automotive finance).
  OR
• High‑school diploma with a minimum of 7 years credit lending experience (2 years of secured credit buying experience preferred in automotive finance).

Proficient in computer use to look up data or information, generate/print standard reports or spreadsheets, and operate computer programs developed by others.

• Career Growth and Continuous Learning Opportunities: diverse career paths, cross‑departmental moves, seminars, leadership training, tuition reimbursement.
• Rewards: comprehensive benefits package including medical, mental health, parental leave, retirement savings, and Nissan perks like employee lease and vehicle purchase programs.
• Drug‑free workplace and background screening in compliance with relevant laws.
• Equal Employment Opportunity: all persons are regarded equally regardless of race, gender, military status, disability, or other protected status.

$56,776.00 – $87,510.00 (annual). The actual base salary generally falls between the minimum and maximum based on skills, experience, education, location, and market norms.