Sr. Credit Manager

First Investors Financial Services

Job Description
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, Citron, 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. Summary: Evaluates the performance of and provides coaching and feedback to Credit Analysts and Credit Managers. Reviews recommendations for, or issue approvals and exceptions. Monitors working queues and reports to ensure Credit decisions are issued and contract are funded within established service level parameters. Coordinates training with Credit Analysts, Dealer Relationship Managers and Credit Management to provide superior customer service to our dealership customer. Responsible for managing team member production, work quality, training programs, audit quality, service levels, Credit and Funding decisions outside of policy. Handles conflict as it relates to internal customers, and dealers. Essential Duties and Responsibilities include the following. Other duties may be assigned. * Monitors and reviews work of Credit Analysts including credit decisions and dealer calls and provides feedback and training as needed * Observes daily work queues and sets priorities relative to phone calls and production to ensure optimal service levels and turn around times are achieved. * Applies credit policies in accordance with FCRA across multiple product lines for various loan types. * Makes outbound and handles inbound calls to negotiate final terms of contracts with both our dealer customer and the Dealer Relationship Manager. * Ensures the achievement of all funding objectives including volume, turn time, portfolio performance, legal and procedural compliance * Manage Funding team production, work quality and service levels * Responsible for maintaining adherence to all Federal and state regulatory issues regarding indirect lending. * Evaluate performance versus established metrics and identify operational deficiencies and implement plans to improve operational effectiveness * Accurately and effectively communicates with underwriting , Funding and marketing personnel and management * Provide leadership, support and motivation to both credit and funding teams * Reviews exception deals and makes decisions in accordance with company policies and procedures * Develops, coordinates and supports training activities and staff development in accordance with Stellantis Financial Services US policies. Maintains procedural manuals * Implements and monitors necessary reports to ensure production and quality goals are achieved * 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. 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 are typically acquired through the completion of a high school diploma or a general education degree (GED); four to five years of auto finance industry experience in a similar position.. Language Skills Ability to read and interpret documents such as credit policies and company policy and procedure manuals. Ability to write routine reports and correspondence. Ability to speak effectively before groups of customers or employees. Mathematical Skills Ability to calculate figures and amounts such as discounts, interest, commissions and percentages. Reasoning Ability Apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations. Computer Skills To perform this job successfully, an individual should have basic knowledge of MS Power Point software; MS Excel software and MS Word software Stellantis Financial Services, Inc (SFS) is an equal opportunity employer and is committed to providing its employees 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.