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Auto Credit Analyst Jobs in Tennessee (NOW HIRING)

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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.

Salesperson - Economy Honda Superstore

Sonic Automotive

Chattanooga, TN • On-site

$100K/yr

Full-time

Re-posted 6 days ago

Sonic Automotive rating

5.8

Company rating: 5.8 out of 10

Based on 56 frontline employees who took The Breakroom Quiz

116th of 157 rated car dealerships

Job description

Company Description
At Economy Honda Superstore, a Sonic Automotive family dealership, you'll find the opportunities, resources, and support you need to grow and develop professionally. Our 100+ dealerships are concerned with more than moving inventory; they're committed to your success and invested in your future. So read on, and consider a rewarding career with Sonic Automotive, Inc.
  • Commission Based Job
  • Typical Pay could be: $24-100k annually.

Job Description
Our sale professionals are responsible for selling vehicles and meeting dealership gross profit, volume and customer satisfaction standards. This position includes four broad areas of activity: personal work habits, prospecting, selling, and follow-up.
Duties and Responsibilities:
  • Realize that business is built on customer satisfaction and devote himself/herself to guarantee satisfaction of customers.
  • Determine each customer's vehicle needs by asking questions and listening.
  • Demonstrate vehicles (includes test drives).
  • Deliver vehicles to customers. The delivery process ensures that the customer understands the vehicle's operating features, warranty, and paperwork, and it lays the foundation for customer loyalty.
  • Establish personal income goals that are consistent with dealership standards of productivity and devise a strategy to meet those goals.
  • Report to the vehicle Sales Manager regarding objectives, planned activities, reviews, and analyses.
  • Keep abreast of incoming inventory, features, accessories, etc., and how they benefit customers.
  • Work with the service department and body shop to ensure that vehicles are reconditioned as expected and on schedule.
  • Attend sales meetings and training offered by the dealership and the manufacturer.
  • Maintain a prospect development system.
  • Maintain an owner follow-up system that encourages repeat and referral business.
  • Review and analyze actions at the end of each day, week, month, and year to determine how to better utilize time and plan more effectively.
  • Understand the terminology of the automobile business and keep abreast of technological changes in the product.
  • Know and understand equity and values and be able to explain depreciation to the customer.
  • Know and understand the federal, state, and local laws which govern retail auto sales.
  • Introduce customers to service department personnel to emphasize to them the quality and efficiency of service repairs and maintenance available in the dealership's service department.
  • Must follow all company safety policies and procedures, and immediately report any and all accidents to a manager or supervisor.

Qualifications
  • High school diploma or the equivalent.
  • Ability to read and comprehend instructions and information.
  • Valid in-state driver's license.
  • Professional personal appearance.
  • Excellent communication skills.
  • Ability to sell a minimum quota according to dealership standards.
  • All applicants must be authorized to work in the USA.
  • All applicants must perform duties and responsibilities in a safe manner.
  • All applicants must be able to demonstrate ability to pass pre-employment testing to include background checks, MVR, drug test, credit report, and valid driver's license.

Additional Information
It's time to make the most important move of your careerFrom our cooperative, team-based approach, to our more than 1,000 internal advancements each year, it's easy to see the difference. When you join our organization, you'll enjoy comprehensive training, competitive compensation, and unparalleled benefits. Simply put, you'll experience the best that a career in the automotive industry has to offer.

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About Sonic Automotive

Sourced by ZipRecruiter

At a Sonic Automotive family dealership, you'll find the opportunities, resources, and support you need to grow and develop professionally. Our 100+ dealerships are concerned with more than moving inventory; they're committed to your success and invested in your future.

Industry

Motor vehicle and motor vehicle parts wholesalers

Company size

5,001 - 10,000 Employees

Headquarters location

Charlotte, NC, US

Year founded

1997

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