Credit Specialist

How will you drive value within the organization a Credit Specialist?

• Review and approve, within prescribed authority limits and in keeping with established company tolerances, requests for exception to credit policy
• Act as a primary resource for delivering related training, including daily one-on-one guidance and/or group training sessions
• Provide meaningful and timely feedback to the Credit Manager related to exception requests that are not within company tolerance
• Work in conjunction with the Credit Manager to support the documentation and continuous evaluation of the criteria for loans that may qualify for exception
• Support the Funding and Buying Departments with inquiries related to policy exceptions as needed
• Maintain electronic records and files
• Foster a collaborative culture that facilitates the achievement of business plan objectives by working closely with other associates and members of management
• Participate in special projects as needed
• Perform additional assignments as required by the needs of the company or as directed by management

What should you already know to be successful as a Credit Specialist II?

• Minimum of bachelor’s degree required
• A minimum of two (2) years’ experience in auto finance operations and/or automotive industry required
• Working knowledge of credit-related laws, consumer lending/underwriting concepts, practices, and procedures required
• Ability to multi-task, prioritize, and effectively manage and work within a team
• Ability to effectively communicate, deliver training material, and foster understanding by others
• Ability to solve problems under pressure and provide creative solutions when necessary
• Intrinsically motivated with demonstrated ability to take initiative, identify needs, make recommendations for improvement, see recommendations through implementation, and evaluate improvements for effectiveness
• Exceptional interpersonal skills: friendly and tactful with the ability to influence others, effectively manage conflict, exercise sound judgment, effectively manage highly sensitive and confidential information, interact at all levels within the organization, and build cross-functional partnerships across the business
• Exceptional oral and written communication skills
• Team player that can adapt in a fast pace and changing environment
• Proficient computer skills with working knowledge of internet and standard business applications such as Microsoft Office; ability to quickly learn new computer applications as required
• Commitment to exemplifying the organizational core values and key competencies

Employment Requirements:

• Talk and hear to exchange accurate information
• Have close visual acuity to perform activities such as: preparing and analyzing data and figures; viewing a computer terminal; extensive reading
• This is an exempt-level position whereby business needs will dictate the exact work schedule which should be expected to vary, at times coverage until 8:00p may be necessary
• The position does not require travel