Credit Analyst

Summary Evaluates credit and other relevant data to determine the credit risk of potential customers. Makes recommendations, issues approvals and declines credit requests in accordance with First Investors Financial Services (FIFS) credit risk policies, compliance guidelines and profitability models.
Essential Duties and Responsibilities include the following. Other duties may be assigned.

• Reviews and evaluates all credit reports in commonly used formats as well as any format unique to FIFS.
• Accurately applies credit policies, in accordance with FCRA, across multiple product lines for various loan types.
• Works with Loan Officer II and Senior Loan officers and seeks assistance in order to understand the program and make sound credit decisions
• Utilizes phone, fax and web based tools to complete verifications as deemed necessary.
• Manages exceptions to published credit authority using judgment and experience to produce risk outcomes within company expectations.
• Completes final disposition on credit applications or forwards to appropriate level of authority for final approval.
• Communicates loan application outcomes to dealer via phone, email or other appropriate means and follows-up with calls to solicit business.
• Ensures responses to dealers are issued within established service level parameters.
• Makes outbound and handles inbound calls to negotiate final terms of contracts with both our dealer customer and the DRM.
• Participates in targeted outbound call campaigns as time permits, in coordination with the DRM’s in an effort to cultivate long-term dealer relationships.
• Works directly with the Funding department and DRM’s to resolve credit and verification issues that arise in funding.
• Utilizes daily reports and other data to provide support to the DRM in training and managing FIFS’ relationship with our dealer customer.
• Complies with all company policies and procedures.
• This position involves regular access to specified personal information of consumers, including, but not limited to, Social Security numbers and dates of birth.

Competencies: To perform the job successfully, an individual should demonstrate the following competencies:
Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions;
Customer Service - Manages difficult or emotional customer situations; Responds promptly to customer needs; Responds to requests for service and assistance; Meets commitments.
Interpersonal Skills - Focuses on solving conflict, not blaming; Maintains confidentiality; Listens to others without interrupting; Remains open to others' ideas and tries new things.
Oral Communication - Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification; Responds well to questions; Participates in meetings.
Written Communication - Writes clearly and informatively; Edits work for spelling and grammar; Presents numerical data effectively; Able to read and interpret written information.
Teamwork - Balances team and individual responsibilities; Contributes to building a positive team spirit; Puts success of team above own interests.
Quality Management - Demonstrates accuracy and thoroughness.
Business Acumen - Understands business implications of decisions;
Ethics - Treats people with respect; Keeps commitments; Works with integrity and ethically; Upholds organizational values.
Organizational Support - Follows policies and procedures; Supports organization's goals and values.
Judgment - Displays willingness to make decisions; Exhibits sound and accurate judgment; Supports and explains reasoning for decisions; Includes appropriate people in decision-making process; Makes timely decisions.
Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently.
Professionalism - Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position; Accepts responsibility for own actions; Follows through on commitments.
Quality - Demonstrates accuracy and thoroughness; Applies feedback to improve performance.
Quantity - Meets productivity standards
Adaptability - Adapts to changes in the work environment; Changes approach or method to best fit the situation;
Dependability - Follows instructions, responds to management direction; Takes responsibility for own actions; Keeps commitments; Commits to long hours of work when necessary to reach goals.; Completes tasks on time or notifies appropriate person with an alternate plan.
Initiative - Asks for and offers help when needed.

Qualifications 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.
Education and/or Experience The knowledge, skills and abilities typically acquired through the completion of a high school diploma and or/GED. Internal candidates must have 1 year’s relevant experience working as a loan processor/funder at First Investors. External candidates must have 1 to 3 years relative consumer finance experience..
Language Skills Ability to read, analyze and interpret industry specific periodicals, technical manuals, and government regulations. Ability to speak effectively with customers or employees of organization.
Mathematical Skills Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, and volume. Ability to calculate figures and amounts relative to installment contracts and interpret pay check information.
Reasoning Ability Able to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to derive conclusions and make recommendations beyond the scope of written policies or standard guidelines.
Computer Skills To perform this job successfully, an individual should have beginning to intermediate MS Office skills in Word and PowerPoint and Excel.
Other Qualifications Ability to handle high call and application volumes and manage competing demands.
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 or hear. The employee is frequently required to stand and walk. The employee is occasionally required to stoop, kneel, crouch, or crawl and taste or smell. 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.

First Investors is an equal opportunity employer. First Investors is committed to providing its employees an environment that is free of harassment, discrimination and intimidation. It is the policy of First Investors 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, genetic information, familial status, pregnancy, sexual orientation, veteran status, gender identity, 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. Interested candidates should NOT submit a photograph or video with a résumé. Résumés containing a photograph or video will not receive consideration. All employment with FIFSG is “at-will” employment. Continued employment with FIFSG is not guaranteed and all employees may be subject to discharge or discipline without notice or cause, at the sole discretion of FIFSG.

Job Type: Full-time