Credit Analyst II

Stellantis Financial Services (SFS) is the new captive finance company for one of the world's leading automakers and a mobility provider with iconic brands including Abarth, Alfa Romeo, Chrysler, Citroën, Dodge, DS Automobiles, Fiat, Jeep®, Lancia, Maserati, Opel, Peugeot, Ram, Vauxhall, Free2move and Leasys.
Our exciting growth provides opportunities to advance your career as we successfully lead products and services from a small to midsize company in just a few years. Join our world class team and culture and contribute to our core mission which is enhancing our customer's experience.

Position Summary:

The Credit Analyst II evaluates consumer lease and loan applications by analyzing financial and credit information, assessing creditworthiness, and determining appropriate decision outcomes. This role applies Stellantis Financial Services’ credit policies, regulatory compliance requirements, and established credit-decision standards to support responsible lending, portfolio performance, and dealership partnership success.

Essential Duties and Responsibilities:

• Review and analyze credit reports and related financial data to assess creditworthiness and risk in alignment with company policy, delegated credit authority, and governing regulations such as the Fair Credit Reporting Act (FCRA), Equal Credit Opportunity Act (ECOA), and Regulation M.
• Build and maintain strong dealer relationships while supporting business volume and ensuring adherence to quality control, credit quality, and compliance expectations.
• Apply sound judgment and experience when managing exceptions to established credit authority, ensuring credit decisions align with company standards for responsible and consistent decisioning.
• Issue final decisions on credit applications by conducting required verifications and due diligence, escalating applications to appropriate authority levels when necessary.
• Communicate credit decisions and support inquiries through multiple channels (including inbound and outbound phone calls), partnering with dealer representatives, consumers, and internal stakeholders to negotiate outcomes and support strategic initiatives.
• Collaborate with Funding, Dealer Relationship Managers (DRMs), and the Fraud Department to resolve verification challenges, identify red flags, and ensure timely and accurate processing of applications.
• Safeguard sensitive consumer information—including Social Security numbers and dates of birth—by upholding strict confidentiality and data-privacy standards.
• Perform additional duties and support departmental initiatives as business needs arise.

Qualifications and Competencies Required: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Required Experience:

• Minimum 2 years' experience in auto finance or a similar industry.?
• Minimum 1 year of auto underwriting experience.??

Education:

• High school diploma or GED required.

Skills Required:

• Strong analytical and organizational skills with high attention to detail.
• Proficiency in Windows-based computer systems.
• Solid math skills (including percentages), reasoning ability, sound judgment, and customer-facing skills.
• Proficiency with Microsoft Office Suite.
• Excellent oral and written communication skills.
• Ability to work autonomously and manage multiple tasks simultaneously.

Additional Requirements:

• Overtime required – required on an as needed basis.
• Travel 0-10% - as required on an as needed basis.
• Must have reliable transportation and live within a commutable distance to one of the following cities: Phoenix, AZ.

Qualifications Preferred:

• Experience within a captive finance organization, retail automotive franchise dealership environment, or auto lease underwriting is preferred.

Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this Job, the employee is regularly required to sit; use hands to finger, handle, or feel; reach with hands and arms; and talk/hear. Required to use a headset or telephone for calls. The employee is occasionally required to stand, walk, stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.

Work Environment: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate.

Work Schedule: This position is a hybrid role, requiring in-office presence based on business needs, or to align with company requirements. The role also requires flexibility to work various shifts to meet business needs, which may include evening hours, holidays, and weekends. Travel requirements are estimated at 0–10%.

An applicant must be authorized to work in the United States to be eligible for this position. Stellantis Financial Services, Inc. will not sponsor applicants for work visas of any type for this position.

Stellantis Financial Services, Inc. (SFS) is an equal opportunity employer and is committed to providing its employees with an environment that is free of harassment, discrimination, and intimidation. It is the policy of SFS to comply with all applicable employment laws and regulations and to provide equal opportunity for all qualified persons and to not discriminate against any employee or applicant for employment because of race, color, religion, sex, age, national origin, disability, pregnancy, sexual orientation, veteran status, gender identity or expression, change of sex, and/or transgender status or any protected status. Candidates must possess authorization to work in the United States. This policy applies to recruitment and placement, promotion, training, transfer, retention, rate of pay, and all other terms and conditions of employment. Employment and promotion decisions will be based solely on merit, ability, achievement, experience, conduct, and other legitimate business reasons.