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Auto Credit Analyst Jobs in Alabama (NOW HIRING)

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All JobsAuto Credit Analyst JobsAuto Credit Analyst Jobs in Alabama

Auto Credit Analyst information

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$13

$27

$44

How much do auto credit analyst jobs pay per hour?

As of Sep 5, 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 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 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 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 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 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 81% Full Time, 16% Part Time, and 3% Contract. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $56,416 per year, or $27.1 per hour.

F&I (Finance & Insurance) Manager

C. A. Russell Auto Group

Springville, AL • On-site

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted yesterday

Job description

Job Summary

We are looking for an F&I (Finance and Insurance) Manager to join our growing team! The right candidate will have a deep knowledge of dealership finance and insurance procedures and the ability to assist customers and close deals on additional product offerings.

Benefits

  • Medical
  • Dental
  • Vision
  • Life, Long & Short Term - --Disability
  • 401K with 3% Matching
  • Paid Holidays, Vacation and Sick time
  • Additional Paid Training
Responsibilities
  • Provide recommendations and assistance to customers in order to arrange the financing of their purchases. Present customers with additional product offerings to enhance their vehicle and ownership experience
  • Ensure sales are structured to produce the highest profitability
  • Maintains proficiency and certifications as required for the position
  • Accurately desks deals, submits deals to lenders for approval, makes credit decisions, and effectively closes deals
  • Ensure every deal is fully aligned with local, state and federal guidelines
  • Prepares paperwork, contracts and delivers deals
  • Accurately audit team deals Post-Sale and deeply analyze for improvements
  • Guarantee the expeditious funding of all contracts
Qualifications
  • Eagerness to improve
  • College degree preferred or equivalent experience
  • Knowledge of dealership finance and insurance procedures
  • Proficient at structuring deals for maximum profitability
  • Well-versed in title laws and registration process
  • Professional personal appearance and extraordinary verbal/written communication skills
  • Expertise in negotiation and presentation skills
  • Valid driver’s license
EEO Statement
 
We are an equal opportunity employer and prohibit discrimination/harassment without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.