About the role

National Credit Manager - Auto Used/New Car

Job Summary:

The National Credit Manager for Auto Used/New Car is pivotal in driving the financial integrity of our automotive operations. This role entails overseeing credit risk assessments, developing credit policies, and ensuring that financing options are accessible and competitive, ultimately impacting sales growth and customer satisfaction.

Key Responsibilities:

Develop and implement credit policies and procedures that align with business objectives and regulatory requirements.
Assess and evaluate credit applications for used and new car financing, ensuring optimal risk management.
Manage and lead a team of credit analysts to enhance decision-making processes and improve turnaround times.
Collaborate with sales teams to understand market trends and adjust credit offerings accordingly.
Monitor credit performance metrics and develop strategies for improvement, focusing on risk reduction and profitability.
Provide training and support to internal stakeholders on credit policies and financing options available.
Maintain relationships with financial institutions and credit bureaus to ensure favorable terms for the company.

Requirements:

Bachelor's degree in Finance, Business Administration, or a related field.
Minimum of 5 years of experience in credit management, preferably in the automotive industry.
Strong understanding of credit risk assessment techniques and financial regulations.
Excellent analytical skills with the ability to interpret financial data and make informed decisions.
Proficient in using credit analysis software and financial modeling tools.
Strong leadership and team management skills.
Exceptional communication and interpersonal skills to effectively collaborate with diverse stakeholders.

Preferred Qualifications:

Master's degree in Finance, Business, or related discipline.
Experience working with dealership financing and understanding of the automotive market trends.
Certification in credit management (e.g., CCE, CBA) is a plus.
Proven track record of improving credit processes and driving financial performance.

Benefits:

Competitive salary with performance-based bonuses.
Comprehensive health, dental, and vision insurance plans.
401(k) plan with company matching contributions.
Generous paid time off (PTO) and holidays.
Professional development opportunities and support for further education.
Employee discounts on vehicle purchases and services.
Flexible work arrangements to promote work-life balance.