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Auto Credit Analyst Jobs in Tennessee (NOW HIRING)

PNC Bank

As a Underwriter I within PNC's Retail Bank Operations - Indirect Auto organization, you will be ... Preferred Skills Credit Decisions, Decision Making, Financial Analysis, Identifying Risks, Process ...

Sun Auto Tire and Service

Manager on Deck

Nashville, TN · On-site

$60K - $70K/yr

Overview Powered by The Sun Auto Network, Plaza Tire Service delivers trusted tire and automotive ... Analyze and measure business trends; develop and implement plans to maximize sales and meet or ...

defi AUTO LLC

Cash Management Manager

Nashville, TN · On-site

$70K - $75K/yr

It's an exciting time to join defi! defi SOLUTIONS partners with captives, banks, credit unions ... The company's comprehensive suite of originations, servicing, and analytics solutions together with ...

Fisher Auto Parts

OUTSIDE SALES-EXEMPT

Greeneville, TN · On-site

... the auto parts industry; and have excellent organizational and communication skills. ESSENTIAL ... Present and maintain customer programs, credits, and core returns; * Present pricing and product ...

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All JobsAuto Credit Analyst JobsAuto Credit Analyst Jobs in Tennessee

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 Tennessee?

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

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

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

Auto Credit Analyst jobs near you
Infographic showing various Auto Credit Analyst job openings in Tennessee as of August 2026, with employment types broken down into 87% Full Time, and 13% Part Time. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution.

Auto Liability Specialist II

First Acceptance Corporation

Memphis, TN • On-site, Remote

Full-time

Re-posted 3 days ago

Job description

Auto Liability Specialist II
This Auto Liability Specialist II position reports into either Tampa, FL or Nashville, TN, with the potential to work remotely full time. As an Auto Liability Specialist II, you will be responsible for the investigation, evaluation, negotiation, disposition, and settlement of Auto Liability claims to determine coverage and legal liability and resolve damages. Assigned claims may involve Single-vehicle or multiple-vehicle losses, uninsured/underinsured PD motorist claims, and complex coverage issues requiring direct involvement in property damage claim handling with minimal supervision. Exceptional evaluation and judgment skills are required to develop all potential exposures in the file and to properly set expense and indemnity reserves. Protecting our Insured and the Company's financial exposures is critical.
Essential Job Functions
  • Plan and conduct investigations (including but not limited to interviewing parties involved, collecting and evaluating documentation and securing evidence and protecting the chain-of-custody, determining inspection needs, ordering police reports, scene investigation, taking witness statements, reviewing material damage photos, etc.) to analyze coverage, determine liability, compensability, and extent of damages
  • Assume responsibility for property damage claims, including attorney-represented and non-represented parties, for both first- and third-party claimants
  • Demonstrates high investigation, analysis, evaluation, and negotiation skills. This includes accurately reviewing and interpreting auto policy provisions to resolve complex coverage investigations appropriately.
  • Adherence to proper procedures related to the inspection and evaluation of property damage claims and the ability to make recommendations for the disposition of claims beyond an individual's settlement authority
  • Evaluate policy coverage contact insureds, claimants, attorneys, and body shops while determining and establishing reserve requirements
  • Compile information for decision-making with a discussion of the claims committee where appropriate
  • Respond timely and appropriately to all settlement demands
  • Keep internal and external customers advised of file status and other matters, as required
  • Evaluate claims for potential fraud and work with Special Investigations Unit, as required
  • Assess actual damages associated with claims and conduct negotiations to settle claims
  • Determine if subrogation exists and take steps necessary to initiate recovery efforts
  • Performs other duties as assigned

Desired Qualifications
  • Possesses strong customer service skills and behaviors
  • Makes decisions in an informed, confident, and timely manner
  • Possesses strong organizational and time management skills
  • Ability to negotiate skillfully in difficult situations with both internal and external groups
  • Demonstrates strong written and verbal communication skills, promotes and facilitates free and open communication
  • Thinks critically and anticipates, recognizes, identifies, and develops solutions to problems promptly
  • Easily adapts to new or different changing situations, requirements, or priorities
  • Cultivates an environment of teamwork and collaboration
  • Must have or secure and maintain appropriate state adjuster license(s) and continuing education credits

  • Minimum of two (2) years of property claims handling experience

  • High school diploma or equivalent
  • College Degree preferred or equivalent experience

PHYSICAL DEMANDS:
The physical demands described here represent those that an employee must meet to perform the essential functions of this job successfully. Reasonable accommodations may be made to enable individuals with disabilities to perform these functions.
While performing the duties of this job, the employee is regularly required to do manual tasks, which may include using hands to finger and handling controls. Tasks may also require the ability to talk or hear. The employee will frequently sit, bend, and reach with hands and arms and is occasionally required to stand and walk. The employee must frequently lift and/or move up to ten pounds. Specific vision abilities required by this job include close vision, color vision, and the ability to adjust focus. Other abilities include breathing, protecting oneself, and possessing the capacity to learn, concentrate, think, and read. Oftentimes, the employee communicates and interacts with others while working.
To perform this job successfully, an individual must be able to satisfactorily perform each essential duty. The requirements listed represent the required knowledge, skill, and/or ability. Reasonable accommodation may be made to enable individuals with disabilities to perform essential functions.
This job description in no way states or implies that these are the only duties to be performed by the employee(s) incumbent in this position. Employee(s) will be required to follow any other job-related instructions and perform any other job-related duties requested by anyone authorized to give instructions or assignments.
#LI-REMOTE
Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.
For further information, please review the Know Your Rights notice from the Department of Labor.

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