Senior Credit Analyst

Job Description:
Job Summary:

A Senior Credit Analyst provides administrative support to AFC loan production offices and their customers (dealers). A Senior Credit Analyst is responsible for processing application financial statements and related documentation efficiently and to review these documents for the purpose of assessing the credit worthiness of dealers. The focal points of the Senior Credit Analyst are customer service and risk management. The Senior Credit Analyst must partner with employees at the branches to deliver accurate and responsible financial services to our external customers. The Senior Credit Analyst must be competent in the technical aspects of processing applications and viewing financial statements to determine credit worthiness.

Responsibilites and Duties:
1. Develop a thorough understanding of AFC policies, processes and related to processing applications and contracts and to assessing credit worthiness.
2. Take actions necessary to collect or verify information required to process contracts or secure credit.
3. Use spreadsheet and other automated or manual processes to compile required documentation and reports.
4. Combine AFC credit guidelines with professional judgment to recommend the level of credit to be extended to each dealer.
5. Provide prompt, accurate and courteous service to both internal and external customers.
Marginal elements:
1. Other duties, as assigned.
Specific Duties and Responsibilities:
1. Process all applications/increases/annual reviews for accounts over $150,000 (US); $200,000 (Canadian).
2. Responsible for gathering all financial information from branch personnel.
3. Prepare package including summary and recommendation for credit committee.
4. Route to Manager-Credit Services/VP.
5. Report status of all duties listed above to Manager-Credit Services.
6. All authorities of the credit analyst.


Job Qualifications:

Education: Some post high school course work in related field is preferred.
Experience: Three (3) to five (5) years prior work experience in financial services industry required.
Knowledge and skills: Familiarity with concepts, procedures and processes typically used in automotive and financial services industries. Good analytical and organizational skills. Ability to interact professionally with internal and external customers. Working knowledge of Microsoft Excel and Word preferred.

Searchable Keywords: Senior Credit Analyst / gj-mo

Expected Travel Time: None