Senior Analyst Consumer Credit

Location(s):
Irving, TX

Job Schedule:

Full-time Sponsorship:
No

We are looking for a Senior Analyst, Consumer Credit to join our team in Irving, TX. The role analyzes consumer credit applications to determine the credit worthiness of applicants, evaluates risk level using credit bureau and other sources, negotiates tiers and terms, and reviews deal structure with dealers. The analyst supports Credit Level I and II analysts, monitors workflow, ensures staffing coverage, and maintains positive relationships with dealers.

Position is eligible to work remotely, but candidates must be willing to commit to weekend shift which includes both Saturdays and Sundays as well as some evening hours.

The responsibilities listed are not exhaustive and may be expanded as needed.

• 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.
• Performs other related duties as necessary.

Required:

• Bachelor's degree in finance or related field:
  Minimum of 4 years credit lending experience required, with 2 years of secured credit buying experience required. Experience in automotive finance is preferred.
• Associate's degree in finance or related field:
  Minimum of 5 years credit lending experience required, with 3 years of secured credit buying experience required. Experience in automotive finance is preferred.
• High‑school diploma:
  Minimum of 8 years credit lending experience required, with 5 years of secured credit buying experience required. Experience in automotive finance is preferred.

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.

Occasional overnight travel may be required.

Rewards:
Comprehensive benefits package including medical, mental health, parental leave, retirement savings, and unique Nissan perks such as discounts on lease vehicles in the Employee Lease Program and a Vehicle Purchase Program (VPP). Career growth and continuous learning opportunities are also available through seminars, leadership training, and tuition reimbursement programs.

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.