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Auto Credit Analyst Jobs (NOW HIRING)

O'Reilly Auto Parts

Credit Analyst

Springfield, MO · On-site

Analyze and evaluate credit risk for current customers for limit increases, special financing and ... Opportunities for Career Growth O'Reilly Auto Parts is an equal opportunity employer. The Company ...

O'Reilly Auto Parts

Analyze and evaluate credit risk for current customers for limit increases, special financing and ... Opportunities for Career Growth O'Reilly Auto Parts is an equal opportunity employer. The Company ...

Star Furniture

Credit Analyst

Houston, TX · On-site

$20 - $22/hr

The Credit Analyst will be part of our Credit Team, playing a critical role in maintaining customer ... A preferred background in banking, retail lending, credit, mortgage, auto financing, or similar

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$15

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How much do auto credit analyst jobs pay per hour?

As of Jun 9, 2026, the average hourly pay for auto credit analyst in the United States is $29.92, according to ZipRecruiter salary data. Most workers in this role earn between $23.08 and $33.65 per hour, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as an Auto Credit Analyst, and why are they important?

To thrive as an Auto Credit Analyst, you need strong analytical skills, attention to detail, and a background in finance or accounting, often supported by a bachelor’s degree in a related field. Familiarity with credit scoring systems, financial modeling software, and databases like Experian or Equifax is typically required. Excellent communication, problem-solving abilities, and sound judgment help analysts effectively evaluate creditworthiness and negotiate terms. These skills ensure accurate risk assessment and contribute to responsible lending decisions that protect the lender and support customer needs.

What is the difference between Auto Credit Analyst vs Auto Loan Underwriter?

AspectAuto Credit AnalystAuto Loan Underwriter
CredentialsTypically requires a bachelor's degree in finance, economics, or related fieldRequires similar credentials, often with additional underwriting certifications
Work EnvironmentWorks in banks, finance companies, or auto dealerships analyzing credit dataWorks in lending institutions evaluating loan applications and risk
Job FocusAssesses creditworthiness of auto loan applicants based on financial dataReviews and approves or denies auto loan applications based on risk assessment

Auto Credit Analysts and Auto Loan Underwriters both evaluate auto loan applications, often sharing similar qualifications and work environments. The main difference lies in their focus: Credit Analysts analyze overall credit data, while Underwriters make final approval decisions. Both roles are essential in auto financing, with overlapping skills and industry usage.

What are Auto Credit Analysts?

Auto Credit Analysts are financial professionals who evaluate the creditworthiness of individuals or businesses applying for auto loans. They review credit reports, financial statements, and application details to assess risk and determine whether to approve or deny a loan application. Their analysis helps lenders minimize financial losses while making informed lending decisions. Additionally, they may recommend appropriate loan terms based on the applicant's credit profile and the lender's policies.

What are some common challenges faced by Auto Credit Analysts in evaluating loan applications?

Auto Credit Analysts often encounter challenges such as assessing applicants with limited or poor credit history and balancing the need for risk mitigation with the goal of approving more loans. They also need to stay current with lending regulations and adapt to changes in consumer behavior or economic conditions. Effective communication with sales teams and underwriters is essential to ensure that credit decisions are both sound and timely, especially during periods of high application volume.
More about Auto Credit Analyst jobs
What cities are hiring for Auto Credit Analyst jobs? Cities with the most Auto Credit Analyst job openings:
What states have the most Auto Credit Analyst jobs? States with the most job openings for Auto Credit Analyst jobs include:
What job categories do people searching Auto Credit Analyst jobs look for? The top searched job categories for Auto Credit Analyst jobs are:
Auto Credit Analyst jobs near you
Infographic showing various Auto Credit Analyst job openings in the United States as of May 2026, with employment types broken down into 74% Full Time, 25% Part Time, and 1% Contract. Highlights an 97% Physical, 1% Hybrid, and 2% Remote job distribution, with an average salary of $62,243 per year, or $29.9 per hour.
Credit Analyst

Credit Analyst

O'Reilly Auto Parts

Springfield, MO • On-site

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 12 days ago

O'Reilly Auto Parts rating

5.3

Company rating: 5.3 out of 10

Based on 1,826 frontline employees who took The Breakroom Quiz

536th of 713 rated retailers

Job description

This position is responsible for ensuring Credit and Collections best practices are followed as directed by the Director of Credit/Collections and the Credit Management team. Excels in multi-tasking in a fast-paced work environment that includes heavy phone volume. Works with 250 or more stores with regards to company credit accounts to minimize loss to the Company incurred from past due accounts.
ESSENTIAL JOB FUNCTIONS
Delivers a high volume of phone support.
Ability to analyze and make independent decisions on customer accounts while maintaining accountability and credit and collections best practices.
Utilize the Credit Management System tool to make sure all past due accounts are addressed and the appropriate collection action is initiated, communicated, and followed.
Effective communication regarding credit and collections best practices that includes prompt responses to email and voice mail.
Analyze and evaluate credit risk for current customers for limit increases, special financing and other requests.
Establish payment plans for past due accounts.
All other duties as assigned.
SKILLS/EDUCATION/KNOWLEDGE/EXPERIENCE/ABILITIES
Required:
High school diploma or equivalent
Excellent communication/customer service skills
Ability to prioritize projects and work independently with limited supervision
Basic computer knowledge
Proficiency with basic functions of Window and Microsoft applications
Ability to multi-task in a very fast paced office environment
Desired:
Accounts receivables experience
Knowledge of O'Reilly store operations
Prior collection experience including contacting and negotiating payment arrangements with customers
O'Reilly Auto Parts has a proven track record of growth and stability. O'Reilly is full of successful career stories and believes in a strong promote-from-within philosophy, encouraging you to grow your career along with the organization.
Total Compensation Package:
  • Competitive Wages & Paid Time Off
  • Stock Purchase Plan & 401k with Employer Contributions Starting Day One
  • Medical, Dental, & Vision Insurance with Optional Flexible Spending Account (FSA)
  • Team Member Health/Wellbeing Programs
  • Tuition Educational Assistance Programs
  • Opportunities for Career Growth

O'Reilly Auto Parts is an equal opportunity employer. The Company does not discriminate on the basis of race, religion, color, national origin or ancestry (including immigration status or citizenship), sex, sexual orientation, gender identity, pregnancy (including childbirth, lactation, and related medical conditions,) age (40 and over), veteran status, uniformed service member status, physical or mental disability, genetic information (including testing or characteristics) or another protected status as defined by local, state, or federal law, as applicable.
Qualified individuals with a disability may be entitled to reasonable accommodation under the Americans with Disabilities Act. If you require a reasonable accommodation during the application or employment process, please send an email to: rar@oreillyauto.com or call (800) 471-7431 option , and provide your requested accommodation, and position details.

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