Credit Analyst

Job Summary

The Credit Analyst I is responsible for building and maintaining a strong relationship with a portfolio of dealers, understanding their preferences and being able to efficiently restructure loan offers to increase the capture of deals. This team member will drive results in a dynamic work environment by securing quality loans and partnering with sales, funding and other internal departments.

Job Duties

• Sells company program and negotiates contracts while executing the company’s origination strategy.
• Utilizes experience and dealer relationships to ensure assigned territory meets or exceed pricing targets, variances, and volume goals.
• Develops and maintains top dealer satisfaction levels.
• Reviews credit to ensure compliance with Exeter’s policies & procedures, state & federal regulations and standards.  Utilizes credit experience to make appropriate credit decisions or obtain concurrence on pricing, program and policy exceptions.
• Educate dealers on Exeter’s program and funding requirements to maximize production and ensure optimal funding turnaround time.
• Ensures office cooperation with other departments to maximize efficiency within the company.
• Other duties as assigned.

Education and Work Experience

• High School Diploma required. College degree preferred.

• Previous auto finance lending experience preferred.

• Previous Originations and/or Sales experience preferred.

• Basic knowledge and understanding of credit bureau information, data on credit applications, indirect lending procedures, lending terminology, and credit laws and regulations.

• Basic knowledge of auto dealer operations and finance departments.

• Excellent analytical and mathematical skills.

• Requires a sound understanding of auto loans and the structure of deals in order to rapidly suggest alternatives.

• Strong oral and written communication skills, basic mathematical skills and the ability to provide strong customer service.

• Superior work ethic with ability to work under pressure and self-motivate.
• Friendly attitude and excellent interpersonal skills.