Credit Analyst

Credit Analyst (Grade 5 / 6)

The Credit Department is responsible for administering a consistent purchase policy while supporting the Southeast Toyota dealer body. The department reviews retail and lease credit applications for purchase while maintaining compliance of all internal and external guidelines and regulations.

Position Overview

The Credit Analyst is responsible for researching and analyzing credit risks, assessing credit history and approving or denying extension of credit to potential customers. This associate has contact with other company departments, as well as automobile dealers, retail customers, and other finance and credit sources.

Position Responsibilities

The SETF Credit Department is searching for a Credit Analyst to make sound credit decisions on automotive retail and lease offerings. Duties include but are not limited to :

• Leverage credit data to determine the degree of risk involved in extending credit. Make decisions to approve or deny the extension of credit within set credit authority and guidelines established by senior management and state / federal laws. Procure and maintain strong performing credit portfolio.
• Cultivate and preserve strong dealer relationships by communicating in a pro-active manner and offering support to ensure volume objectives and credit quality are achieve.
• Leverages empathy to communicate the rationale when deals are conditioned or declined. Manages difficult or emotional customer situations. Responds promptly to customer needs.
• Exemplifies our core values by treating associates with respect; keeps commitments; inspires the trust of others.
• Ensure compliance to state, federal lending laws including ECOA, UDAAP and Truth in Lending.
• Ability to evaluate financial documents to calculate income and ability to repay.

Position Qualifications

This job description may not be inclusive of all assigned duties, responsibilities, or aspects of the job described, and may be amended at any time at the sole discretion of JM Family. All work arrangements are subject to associate performance, business need and manager discretion, and may be revised as necessary.

JM FAMILY IS PROUD TO BE AN EQUAL OPPORTUNITY EMPLOYER

JM Family Enterprises, Inc. is an Equal Employment Opportunity employer. We are committed to recruiting, hiring, retaining, and promoting qualified associates without regard to age, race, religion, color, gender, sex (including pregnancy, childbirth and related medical conditions), sexual orientation, gender identity, gender expression, mental or physical disability, national origin, marital status, citizenship, military status, genetic information, veteran status, or any other characteristic protected by federal, state, provincial, or local law.

DISABILITY ACCOMMODATIONS

If you have a disability and require a reasonable accommodation to complete the job application process, please contact JM Family's Talent Acquisition department at talentacquisition@jmfamily.com for assistance.