CREDIT SPECIALIST II

CitiFinancial Auto, with over 4,000 employees, provides auto financing to U.S. consumers via auto dealerships and the Internet. CitiFinancial Auto serves 900,000 customers and maintains relationships with more than 12,000 dealers. It serves franchised and independent auto dealers through 11 regional buying centers and 155 branch offices across the country.
CitiFinancial Auto also makes auto loans to consumers through its online auto loan program. Additional information may be found at www.citifinancialauto.com CitiFinancial Auto is a member of Citigroup, the world's largest financial services company, which has 200 million customer accounts and does business in more than 100 countries. For more information visit www.citigroup.com Citigroup is an Equal Opportunity Employer M/F/D/V.



CREDIT SPECIALIST II: Responsible for reviewing loan applications and decision loans based on loan authority matrix and company guidelines while remaining consistent with system generated score.  Works under immediate supervision but has an established exception authority.  Defines loan stipulations.  Works with Buyer to communicate deal approval or rejection to dealer.  Evaluate applicant's credit score card rating to determine applicant's ability to repay loan.  Works with Buyer to restructure loan decision based on customer information.  Recognize loan exceptions that make good business sense that are outside of our loan authority and submit to next level for approval.

College degree is preferred but not required with equivalent work experience.  2 - 3 years underwriting experience in the financial  services or automotive industry.  Dealing with internal and external customers in a positive manner during difficult situations.  Good customer service skills.  Ability to read and analyze credit bureau reports.  Ability to multi task and handle large volume of work.  Working knowledge of the auto industry.