Credit Analyst

At Credit Acceptance, we are building on the foundation of a successful business while investing in the future through technology, data, AI, and continuous improvement. As we continue to evolve, our Team Members play an active role in improving experiences, driving meaningful change, and shaping the future of our business. We foster an environment where people are empowered to contribute ideas, develop their careers, make an impact, and help lead our continued transformation.

Our Operations teams are at the heart of the dealer and customer experience, making a direct impact throughout the contract lifecycle. Team Members combine service, problem solving, and operational excellence to help customers navigate challenges, strengthen relationships, and create positive outcomes. Operations offers meaningful work, opportunities to grow your skills and career, and the chance to make a difference every day.

The growth of Credit Acceptance continues to create opportunities within our Dealer Service Center. Our program empowers car dealers nationally to help consumers purchase a vehicle. Team members in the Dealer Service Center enroll dealers quickly and assist them to grow their business while delivering superior customer service. The team is key in driving our contract volume and promotes a culture that has landed us on the Great Place to Work list for Best Workplaces for Millennials.

About this Position:

• Note: This position will work from home. Occasional planned travel to an office location may be required.
• Credit Acceptance is a financial services company. We accept assignment of contracts from auto dealers. The contracts are sent to our Dealer Service Center (DSC) by auto dealers.
• Your role as a Credit Analyst in the DSC is to help our dealers grow their businesses by aiding them with resolving open requirements on their customer applications as well as other items they need assistance with quickly, compliantly while delivering superior customer service.

Outcomes and Activities:

• Handle Phone Calls: You will spend the majority of your time signed on to our phone system, handling phone calls from our stakeholders.
• Review, validate and verify information through document review, internet searches and phone calls to quickly fund compliant deals.
• Provide a high level of customer service to maintain good relationships with our stakeholders.
• Resolve and document dealer inquiries not related to the funding process.
• Keep the dealer’s pipeline open by managing any license, title, audit and inventory issues.
• Welcome and onboard new dealers by offering initial funding assistance.
• All other duties as assigned.
• Attendance as outlined in the Operations Attendance Policy.

Requirements:

• Bachelor’s degree, equivalent Credit Acceptance work experience, or 4 years of continuous experience in loan underwriting or document review and validation in a high-volume call center environment.
• Be proficient in Microsoft Word, Excel and Outlook.
• Remain compliant with our policies, processes and legal guidelines.
• Work Saturday shifts with an offsetting flex day during regular work week (non-peak season) as well as mandatory overtime during peak season (January thru April) and during month end (last calendar working day of any month).

Preferred:

• Customer Service experience in a call center environment (required for candidates without a Bachelors degree).
• Interaction with auto dealers in current or past role.
• Experience reviewing contracts/legal documents with a strong attention to detail.
• Experience having to interpret existing rules/guidelines and apply them appropriately to make decisions.

Knowledge and Skills:

• Be Diligent: Hard working, Conscientious, Sense of Urgency.
• Be Effective: Clear Communicator, Autonomous, Organized, Productive.
• Validate information clearly and intuitively, protects all stakeholders.
• Educate: Identify and close knowledge gaps with all stakeholders.
• Listen actively, understand caller’s situation.
• Own performance outcomes, improvement actions, attitude.
• Promotes: Delivers superior Customer Service.
• Effectively work independently in a fast-paced environment.
• Ability to adapt well to change with the willingness to maintain a flexible schedule.
• Speak clearly, professionally and articulately on the telephone.
• Ability to learn quickly and apply knowledge learned.
• Handle difficult conversations professionally.

Training & Schedule Requirements:

Mandatory Training: Time off is not permitted during the training period.

• Six weeks of virtual training will begin on Monday, January 4, 2027.
• Monday - Friday 7:00 AM - 4:00 PM PST.
• Training includes mandatory travel to our Southfield, Michigan headquarters from February 8–11, 2027. Travel expenses will be covered by Credit Acceptance.

Schedule: 8 hour shift between the following times:

• Monday - Friday 6:00 AM - 8:00 PM PST, Saturday 6:00 AM - 6:00 PM PST.
• A minimum of two Saturdays per month with one day off during the week.
• Mandatory six days a week during peak season (end of February through the end of April).

Targeted Compensation: $25.50 - $29.94/hour based on experience.
 
Targeted Bonus: Uncapped monthly bonus potential based on individual performance with a target of 25% of base wages earned during the month.

INDCSLP

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Benefits

• Excellent benefits package that includes 401(K) match, adoption assistance, parental leave, tuition reimbursement, comprehensive medical/ dental/vision and many nonstandard benefits that make us a Great Place to Work 

Our Company Values:

To be successful in this role, Team Members need to be:

• Positive by maintaining resiliency and focusing on solutions
• Respectful by collaborating and actively listening
• Insightful by cultivating innovation, accumulating business and role specific knowledge, demonstrating self-awareness and making quality decisions
• Direct by effectively communicating and conveying courage
• Earnest by taking accountability, applying feedback and effectively planning and priority setting

Expectations:

• Remain compliant with our policies processes and legal guidelines
• All other duties as assigned
• Attendance as required by department 

Advice!

We understand that your career search may look different than others. Our hiring team wants to make sure that this would be a fit not just for us, but for you long term.  If you are actively looking or starting to explore new opportunities, send us your application!

P.S.

We have great details around our stats, success, history and more.  We’re proud of our culture and are happy to share why – let’s talk!

Required degrees must have been earned at institutions of Higher Education which are accredited by the Council for Higher Education Accreditation or equivalent.

Credit Acceptance is dedicated to providing an inclusive environment for all. We are proud to be an Equal Opportunity Employer and value a culturally diverse workforce. We believe in ensuring all team members demonstrate mutual respect for one another. All qualified applicants will receive consideration for employment without regard to protected characteristics like age, race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.

California Residents: Please click here for the California Consumer Privacy Act (CCPA) notice regarding the personal information Credit Acceptance may collect from you.

Play the video below to learn more about our Company culture.