Consumer Credit Analyst

financing, leasing, and insurance solutions to more than 3 million customers and businesses nationwide.

We’re a company driven by growth, innovation, and people. At HCA, you’ll find opportunities to build new skills, expand your career, and make a real impact—while working in a diverse, inclusive, and values‑driven environment. We’re proud to support our communities through volunteerism, philanthropy, and engaged Employee Resource Groups.

If you’re looking for a fast‑paced, collaborative workplace where your ideas matter, join us as we lead the future of financing freedom of movement. Apply today.

WHAT YOU WILL DO

The Consumer Credit Analyst is responsible for evaluating consumer credit applications and assessing applicant’s creditworthiness in accordance with established underwriting guidelines, credit policy, and risk management standards. This role supports responsible lending decisions by analyzing financial data, credit reports, and supporting documentation while ensuring compliance with regulatory and internal requirements.

HOW YOU WILL MAKE AN IMPACT

     1. Consumer Credit Underwriting

• Process and make credit decisions on applications submitted through LOS; manage dealer inbound calls and place outbound calls (6+ hours per day) to review applications, communicate decisions, and resolve stipulations based on appropriate authority level.

• Underwrite consumer credit applications received from auto dealers using approved credit policies, scoring models, and risk guidelines.

• Analyze credit bureau data, income verification, debt obligations, and stability indicators to determine credit risk.

• Approve, condition, counteroffer, or decline credit requests in accordance with underwriting authority.

• Partner with sales, operations, and customer service teams to resolve credit conditions or documentation issues.

• Communicate credit decisions and conditions clearly and professionally to internal stakeholders.

• Support escalations and reviews requiring additional analysis or judgment.

• Clearly document credit decisions and rationale in credit and contract management systems.

• Maintain positive relationships with key stakeholders and Dealers to resolve credit and finance issues. Support the Field team and Funding department by solving credit, finance and compliance issues.

2. Risk Management & Policy Adherence

• Ensure credit decisions comply with internal credit standards and applicable regulatory requirements (e.g., Fair Lending, ECOA, FCRA).

• Identify potential fraud, misrepresentation, or heightened risk indicators and escalate as appropriate.

• Provide input on emerging credit trends or risk patterns affecting portfolio performance.

3. Portfolio & Performance Support

• Monitor assigned segments of the consumer credit portfolio for delinquency trends, exception levels, and loss drivers.

• Assist in credit quality reviews, audits, or post booking analyses.

• Support reporting on approval rates, exception volumes, and other underwriting performance metrics.

WHAT YOU WILL BRING TO THE ROLE

• Prior experience in one or more of the following:

  • Collections

  • Funding

  • Dealer Services

  • Lease End

  • Customer Service

• 1+ years’ experience in automotive finance or related financial services preferred.

• Familiarity with automotive dealer operations or sales processes a plus.

• Bachelor’s degree or equivalent work experience.

• Ability to manage high inbound phone volume in a professional and efficient manner.

• Ability to effectively communicate credit decisions to dealers and internal sales teams, including explaining the "why" behind decisions.

• Sound judgment in credit decisioning or recommending credit transactions under pressure.

• Ability to thrive in a fast-paced, high-volume office environment.

• Strong verbal and written communication skills.

• Analytical with high attention to detail.

• Self-starter with excellent time management skills.

Job Schedule

• Rotating schedule including 8-5, 10-7, 11-8 and 12-9

• Mandatory 3 Saturdays a month

• Weekends and Holidays

WE TAKE CARE OF OUR PEOPLE

At HCA, our people drive our success. That’s why we offer a competitive rewards package that supports your health, financial future, and overall wellbeing—at work and beyond.

Benefits Highlights

• Vehicle perks – monthly vehicle allowance plus purchase and lease discounts

• Comprehensive health coverage – medical, dental, and vision plans

• Employer-funded HSA contributions to help reduce healthcare costs

• 401(k) with company match and immediate vesting from day one

• 100%25 company-paid life and disability insurance

• Wellbeing benefits including fitness and health resources

• Leadership programs and career development that support continuous learning

• Paid Volunteer Time Off and a company charitable donation in your honor

Because great benefits help you thrive—personally and professionally.

WHAT HAPPENS NEXT

Express your interest by submitting an application. Once your application is received, our recruiting team will review your application to see if you meet the basic and preferred qualifications listed on the job description. For more information on our culture, visit our careers page.

OTHER DETAILS

Our Company is an equal opportunity employer committed to fostering a diverse, inclusive, and respectful workplace—because we believe diversity builds stronger teams. We comply with all applicable federal, state, and local equal employment opportunity laws and do not discriminate on the basis of race, religion or creed, color, national origin, ancestry, caste, citizenship, sex or gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity or expression, age, disability, medical condition, genetic information, marital status, family care or medical leave status, military or veteran status, political affiliation, or any other characteristic protected by law. Information provided during the application process is requested in good faith and will be used solely in accordance with applicable employment laws.

California Privacy Notice

This notice only applies to our applicants who reside in the State of California.

The latest version of our Privacy Policy can be found here. This Privacy Policy provides you with notice, at or before the point of collection, about the categories of personal information to be collected from you, the purposes for which your personal information is collected or used, and whether that information is sold or shared, so that you can exercise meaningful control over our use of your personal information. We are providing this notice to comply with the California Consumer Privacy Act of 2018, as amended as by the California Privacy Rights Act of 2020 (“CCPA”). 

If you have any questions about CCPA regarding California residents or HCA team members, please contact the Privacy Team at [email protected].