Retail Credit Analyst

Position: Retail Credit Analyst (US)
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* Work Location:

** Southfield, Michigan, États-Unis d'Amérique
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* Hours:

** 40
* * Pay Details:
** 24.00 - 33.50 USDTD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience  compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.

As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.
** Line of Business:
** Gestion du crédit
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* Job Description:

** The Retail Credit Analyst analyzes consumer retail applications following and adhering to the procedures and policies set-forth by the company in a consistent and repeatable manner. The Analyst is evaluated on performance metrics to acquire business to generate profit for the organization while ensuring compliance to mitigate risk. This job provides excellent customer service while effectively communicating credit decisions to clients to support company's competitive advantage.
** Depth & Scope:
*** Performs in-depth analysis, investigation and decisioning on retail and lease credit applications based on the company risk policy and 4 Cs of credit and then educate and communicate decisions to appropriate dealers and business clients
* Performs detailed verification and documentation for all applications that meet the approval criteria
* Provides superior customer service while building professional rapport with clients to sustain acceptable cashing ratios and a balanced portfolio mix
* Ensures compliance to all corporate standards, processes and procedures outlined in the Credit Policy Manual and set forth by management
* Executes client level strategies as outlined by management
* Assists clients and the funding department in any contract problems and funding issues that may occur
* Engages in appropriate credit training, personnel development and coaching exercises as designated by management
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* Education & Experience:

*** Bachelors degree or 2 yrs automotive finance experience required
* Proven ability to review and interpret credit reports preferred
* Thorough understanding of Federal and State legislation affecting the finance and insurance business preferred
* Complete knowledge of Credit Policy and applicable processes and procedures relating to risk and consumer credit operations preferred
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* Physical Requirements:

** Never: 0%;
Occasional: 1-33%;
Frequent: 34-66%;
Continuous: 67-100%
* Domestic Travel – Occasional
* International Travel – Never
* Performing sedentary work – Continuous
* Performing multiple tasks – Continuous
* Operating standard office equipment - Continuous
* Responding quickly to sounds – Occasional
* Sitting – Continuous
* Standing – Occasional
* Walking – Occasional
*…