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Auto Credit Analyst Jobs in Texas (NOW HIRING)

Star Furniture

Credit Analyst

Houston, TX · On-site

$20/hr

The Credit Analyst will be part of our Credit Team, playing a critical role in maintaining customer ... A preferred background in banking, retail lending, credit, mortgage, auto financing, or similar

Hyundai Capital

Consumer Credit Analyst

Plano, TX · 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 ...

Hyundai Capital

Consumer Credit Analyst

Plano, TX · On-site

$48K - $72K/yr

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

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All JobsAuto Credit Analyst JobsAuto Credit Analyst Jobs in Texas

Auto Credit Analyst information

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$14

$27

$45

How much do auto credit analyst jobs pay per hour?

As of Aug 31, 2026, the average hourly pay for auto credit analyst in Texas is $27.88, according to ZipRecruiter salary data. Most workers in this role earn between $21.49 and $31.35 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 Texas?

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

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

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

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

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

Auto Credit Analyst jobs near you
Infographic showing various Auto Credit Analyst job openings in Texas as of August 2026, with employment types broken down into 1% Internship, 82% Full Time, 16% Part Time, and 1% Contract. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $57,989 per year, or $27.9 per hour.

Credit Strategy Senior Associate Auto Credit Risk & Insights

Aumni

Plano, TX • On-site

$80 - $100/hr

Other

Medical, Retirement

This job post has expired today. Applications are no longer accepted.

Job description

TwinThread is looking for a Credit Strategy Senior Associate to join their Chase Auto Credit Decisioning Unit in Plano, Texas. The role involves conducting credit analysis and portfolio performance monitoring, working closely with credit leadership to support strategic initiatives, and mentoring less-experienced analysts. Candidates should have a Bachelor’s degree in finance or a related discipline, along with at least 3 years of relevant industry experience. The position offers a competitive total rewards package with various benefits including health care coverage and retirement savings plan. #J-18808-Ljbffr

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