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Auto Credit Analyst Jobs in Alabama (NOW HIRING)

defi AUTO LLC

Client Support Desk Analyst

Montgomery, AL · On-site

$60K - $75K/yr

Our customers include the highest-volume captive auto lenders, banks, credit unions, and finance ... You will be the "Face of defi SOLUTIONS" in supporting and providing analysis to our clients, who ...

Becton, Dickinson and Company

$90K - $116K/yr

... Credit Union (BCU) Daily Pay College financial aid and application guidance Life Balance Programs ... Plan Group auto and home insurance Pet insurance Commuter benefits Discounts on products and ...

Becton, Dickinson and Company

$90K - $116K/yr

... Credit Union (BCU) Daily Pay College financial aid and application guidance Life Balance Programs ... Plan Group auto and home insurance Pet insurance Commuter benefits Discounts on products and ...

U-Haul

Traffic Control Manager

Mobile, AL

Traffic Managers implement strategies by analyzing data to create a distribution plan that helps ... MetLife auto and home insurance * Mindset App Program * Discounts on cell phone plans, hotels and ...

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All JobsAuto Credit Analyst JobsAuto Credit Analyst Jobs in Alabama

Auto Credit Analyst information

See Alabama salary details

$13

$27

$44

How much do auto credit analyst jobs pay per hour?

As of Aug 15, 2026, the average hourly pay for auto credit analyst in Alabama is $27.12, according to ZipRecruiter salary data. Most workers in this role earn between $20.91 and $30.48 per hour, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as an auto credit analyst?

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 is an auto credit analyst?

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.

What are popular job titles related to Auto Credit Analyst jobs in Alabama?

For Auto Credit Analyst jobs in Alabama, the most frequently searched job titles are:

What job categories do people searching Auto Credit Analyst jobs in Alabama look for?

The top searched job categories for Auto Credit Analyst jobs in Alabama are:

Auto Credit Analyst jobs near you
Infographic showing various Auto Credit Analyst job openings in Alabama as of August 2026, with employment types broken down into 89% Full Time, and 11% Contract. Highlights an 100% In-person job distribution, with an average salary of $56,416 per year, or $27.1 per hour.

Commercial Relationship Mgr, Auto Finance

Huntington

Montevallo, AL • On-site, Remote

Full-time

Re-posted 27 days ago

Job description

Description

Summary:

The Auto Finance Portfolio Manager III Services, deepens, and retains assigned profitable customer relationships by pro-actively evaluating and mitigating associated business risks and opportunities, per established Huntington policies, procedures, and Guiding Principles. Owns primary responsibility for the credit and monitoring of Auto Finance portfolio risks. Must have demonstrated, extensive formal credit training and experience as approval officer in Commercial Auto Finance.

This position is available in the states listed.
Duties & Responsibilities:

  • Candidate will develop automotive dealership new client relationships through outside calling sales activities in assigned market area.
  • Uncovering and negotiating new commercial loan business, banking products and services opportunities for new dealer prospects.
  • Working through assigned credit partners candidate would follow credit policy, structures, underwriting guidelines and make recommendations to originate dealer commercial loans.
  • Services portfolio through required dealer monitoring, and financial review while continuously prospecting new customers.
  • Manages portfolio, assesses area market risks and general business conditions.
  • May assist Product Specialists in selling and servicing various bank products.
  • Deals with very large credit exposures and most complex loans, including syndications.
  • May organize work and deal flow and/or coach other Bank colleagues.
  • Some travel may be required.
  • Performs other duties as assigned.


Basic Qualifications:

  • 5+ years working with multiple automotive dealer groups
  • 5+ years Commercial (Auto) Finance Underwriting Experience
  • 5+ years Commercial (Auto) Sales Experience
  • Bachelor's Degree


Preferred Qualifications:

  • Excellent verbal and written communication skills
  • Strong sales and negotiation skills
  • Commercial Financial Analysis Comprehension and Review
  • Local Automotive Dealer knowledge and existing relationships


Exempt Status: (Yes= not eligible for overtime pay) (No= eligible for overtime pay)

Yes

Workplace Type:

Remote

Our Approach to Office Workplace Type

Certain positions outside our branch network may be eligible for a flexible work arrangement. We're combining the best of both worlds: in-office and work from home. Our approach enables our teams to deepen connections, maintain a strong community, and do their best work. Remote roles will also have the opportunity to come together in our offices for moments that matter. Specific work arrangements will be provided by the hiring team.

Huntington is an Equal Opportunity Employer.

Tobacco-Free Hiring Practice: Visit Huntington's Career Web Site for more details.

Note to Agency Recruiters: Huntington Bank will not pay a fee for any placement resulting from the receipt of an unsolicited resume. All unsolicited resumes sent to any Huntington Bank colleagues, directly or indirectly, will be considered Huntington Bank property. Recruiting agencies must have a valid, written and fully executed Master Service Agreement and Statement of Work for consideration.

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