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Auto Credit Analyst Jobs in California (NOW HIRING)

Hyundai Capital

Consumer Credit Analyst

Irvine, CA · On-site

$60 - $90/hr

Underwrite consumer credit applications received from auto dealers using approved credit policies, scoring models, and risk guidelines. Analyze credit bureau data, income verification, debt ...

Hyundai Capital

Consumer Credit Analyst

Irvine, CA · On-site

Underwrite consumer credit applications received from auto dealers using approved credit policies, scoring models, and risk guidelines. * Analyze credit bureau data, income verification, debt ...

Premier Auto Credit

Senior Internal Underwriter

Glendale, CA · On-site

$104K - $123K/yr

Familiarity with advanced data analytics and predictive modeling in underwriting. * Experience working in a fast-paced, auto credit environment. Physical Requirements: * Prolonged periods sitting at ...

Premier Auto Credit

Outside Salesperson

Glendale, CA · On-site

$45K - $60K/yr

Premier Auto Credit (PAC) is a leading Finance Auto Company in southern California that is driven ... Strong analytical and problem-solving skills. * Proficient with Microsoft Office Suite or related ...

Premier Auto Credit

Recovery Specialist

Glendale, CA · On-site

$21 - $24/hr

... Auto Credit. This position is responsible for locating, securing, and recovering leased or rented ... The Recovery Specialist utilizes investigative and analytical skills daily to locate and recover ...

Premier Auto Credit

Funder

Glendale, CA · On-site

$21 - $23/hr

This role demands a reliable person to analyze and ensure documentation is clear and consise ... Premier Auto Credit reserves the right to modify and change responsibilities and duties herein ...

United Auto Credit

Area Manager

San Jose, CA · On-site

$5.0K/mo

Work closely with your assigned Credit Analyst and Funder to ensure loan approvals and fast funding ... Sub-prime auto finance experience is highly preferred. Communication Skills Demonstrates clear ...

United Auto Credit

Area Manager

San Jose, CA · On-site

$5.0K/mo

Work closely with your assigned Credit Analyst and Funder to ensure loan approvals and fast funding ... Sub-prime auto finance experience is highly preferred. Communication Skills Demonstrates clear ...

KMC

Credit Support Coordinator I - CA

Foothill Ranch, CA · On-site

$20 - $23/hr

Work closely with Credit Analysts, Funding Analysts, Dealer Service Center team members, sales ... Experience in powersports finance, auto finance, motorcycle, ATV, UTV, PWC, or dealer-based lending ...

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All JobsAuto Credit Analyst JobsAuto Credit Analyst Jobs in California

Auto Credit Analyst information

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 California?

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

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

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

What cities in California are hiring for Auto Credit Analyst jobs?

Cities in California with the most Auto Credit Analyst job openings:

Auto Credit Analyst jobs near you
Infographic showing various Auto Credit Analyst job openings in California as of August 2026, with employment types broken down into 1% Internship, 82% Full Time, and 17% Part Time. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution.

Franchise Senior Credit Analyst

Veros Credit, LLC

Santa Ana, CA • On-site

$31 - $42/hr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 22 days ago

Key responsibilities

  • Review credit applications and make sound decisions based on company guidelines.

  • Analyze credit risk and financial information to determine loan quality and profitability.

  • Interact daily with automotive franchise dealerships to negotiate and capture approvals.

Job description

About Us

Veros Credit is committed to making vehicle ownership possible for everyone. Through our vast network of independent and franchise dealers, we have helped countless customers with their financing needs, allowing them to drive off in the vehicle they deserve.

We realize that our greatest assets are our employees, which is why we strive to make work welcoming and fun but offer limitless opportunities for growth and advancement. At Veros Credit, you can look forward to company events, free meals quarterly, holiday activities, and more. You will be greeted by friendly, positive, and ambitious team members, and work alongside leaders who encourage and value your new ideas. We are proud to say that it is this sense of community that makes us excited to walk through the door every day.

Some of our benefit offerings include:

  • Medical, Dental, and Vision Insurance
  • Life Insurance
  • Flexible Spending Accounts (FSA)
  • Accident, Hospital, Indemnity Insurance
  • Short Term Disability (STD) and Long-Term Disability (LTD) Insurance
  • Employee Assistance Program (EAP)
  • 401(k) Plan
  • Tuition Reimbursement
  • Paid Holidays
  • Paid Time Off (PTO)
  • Transportation Reimbursement Benefit (Mass Transit, Carpool, and Plug-In Electric Vehicle)
  • Referral Bonus
  • Quarterly lunches
  • Daily fresh fruit
  • Office Starbucks Coffee/Latte/Espresso Machine
  • And a lot more!
About The Position

The Franchise Senior Credit Analyst (Auto Finance) will be responsible for conducting an objective, independent analysis of complex credit data and financial statements of customers to determine the degree of risk involved in extending credit and underwriting loans accordingly. This is an in-house position based at our corporate office in Santa Ana, California.

Essential Responsibilities:

  • Review credit applications and make sound decisions based on Company guidelines.
  • Analyze credit risk and financial information such as payment to income, loan to value, credit history and other data to determine quality and profitability of a loan.
  • Provide leadership to other Credit Analysts, act as a department lead, and train/mentor other Credit Analysts as necessary.
  • Interact daily with automotive franchise dealerships to negotiate and capture approvals.
  • Build strong relationships with the Sales/Marketing team, Funders and Dealership Body to maximize potential business. 
  • Prepare or assist in the preparation of objective credit analysis reports including trend analysis, industry comparison, and projections for presentation to management and other departments.
  • Meet target goals for productivity and quality in a consistent manner.
  • Other duties as assigned.

Requirements:

  • 5+ years of credit review/analysis experience in the non-prime auto finance industry.
  • Effective communication and decision-making skills.
  • Strong analytical and organizational skills with attention to detail.
  • Strong negotiation and problem-solving skills.
  • Ability to interact with others in a professional, tactful, and sensitive manner.
  • Ability to thrive in a fast-paced work environment and to work independently as well as part of a team.
  • Proficient with the Microsoft suite of applications (Word, Excel, Outlook, PowerPoint, Visio, etc.)
  • Bachelor's Degree in Business or equivalent work experience. 

 

Pay Range: $31.00 - $42.00 per hour + Bonus

Veros Credit, LLC is an equal opportunity employer.

**This Organization Participates in E-Verify

Employment Type: FULL_TIME

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