AutoNation is one of the largest automotive retailers in the United States, offering innovative products, exceptional services, and comprehensive solutions, empowering our customers to make the best decisions for their needs. With a network of dealerships nationwide strengthened by a recognized brand, we offer a wide variety of new and used vehicles, customer financing, parts, and provide expert maintenance and repair services. Through DRV PNK, we have raised over $40 million for cancer-related causes, demonstrating our commitment to making a positive difference in the lives of our Associates, Customers, and the communities we serve.

So what do you say? Are you ready to be part of something big?

As Vice President & Director of Credit, you will lead and oversee the loan origination team across multiple sites at AutoNation Finance. The Vice President & Director of Credit plays a critical role in managing the underwriting team, ensuring compliance with company and regulatory guidelines, and driving the development of underwriting strategies to optimize risk management. Responsible for the underwriting quality, administration, and profitability of over a $1 Billion full spectrum growing auto loan portfolio.

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Job Responsibilities

• Lead, mentor and develop a high performing team including four credit managers,18 credit analyst and two credit processors
• Develop and implement underwriting strategies that align with the company’s performance goals and risk tolerance
• Evaluate and adapt underwriting guidelines to address changing market conditions and the needs of AutoNation Finance
• Assess market risk and ensure underwriting decisions are consistent with established credit guidelines and risk assessment protocols
• Implement quality control measures to review and improve underwriting decisions
• Build and maintain effective relationships with our AutoNation USA and AutoNation Franchise dealership team members
• Set clear performance expectations to meet all company performance metrics and provide regular feedback and coaching
• Foster a collaborative and productive work environment
• Maintain strong understanding of industry regulations and ensure underwriting practices adhere to legal and regulatory standards
• Collaborate with sales and risk team to develop new products and program enhancements
• Utilize data analytics and modeling to evaluate underwriting performance, identify trends and make data driven decisions to mitigate risk and maximize profitability
• Prepare and deliver regular reports to the Executive team on underwriting performance, risk exposure and market conditions
• Manage the department’s budget ensuring efficient resource allocation and cost control

Essential Knowledge, Skill, and Licenses

• Thorough knowledge of Consumer Auto Finance with 10 - 15 years of auto loan underwriting management experience
• Proven leadership and management experience including the ability to develop, motivate and lead a credit team
• Bachelor’s degree in relevant field (e.g., Finance, Accounting, Management) with a Master’s degree preferred
• Strong analytical, organizational and time management skills
• Excellent communication and interpersonal skills 
• Proficient in data analysis and underwriting / fraud prevention software tools
• Professional certifications such as AFIP are a plus

Exciting Benefits and Perks Await You:

• Competitive compensation and 401k matching

• Enjoy a healthy work-life balance with insurance plans (health, dental, vision) and maternity benefits.

• Associate purchase and discount programs for new and pre-owned vehicles, services, parts, collision, accessories, and AutoGear

• Access amazing deals and discounts through YouDecide, a website with offers from top providers and retailers

• Join our DRVPNK mission to raise and donate millions of dollars to cancer research and treatment, partnering with cancer charities nationwide

AutoNation is committed to creating a diverse, equitable, and inclusive environment in our workplace and the services we provide. We welcome candidates from all backgrounds who are passionate about making a positive impact. Even if you do not meet every requirement, we encourage you to apply. Join our team and help us foster a culture of belonging while contributing to our revolutionary work in the automotive industry. We value innovation, teamwork, and a commitment to making a positive impact in the world.