[Hiring] Credit Analyst @Credit Acceptance

Role Description

At Credit Acceptance, we are building on the foundation of a successful business while investing in the future through technology, data, AI, and continuous improvement. Our Operations teams are at the heart of the dealer and customer experience, making a direct impact throughout the contract lifecycle. Your role as a Credit Analyst in the Dealer Service Center (DSC) is to help our dealers grow their businesses by:

• Handling phone calls from our stakeholders.
• Reviewing, validating, and verifying information through document review, internet searches, and phone calls to quickly fund compliant deals.
• Providing a high level of customer service to maintain good relationships with our stakeholders.
• Resolving and documenting dealer inquiries not related to the funding process.
• Managing any license, title, audit, and inventory issues to keep the dealer’s pipeline open.
• Welcoming and onboarding new dealers by offering initial funding assistance.
• Completing all other duties as assigned.
• Attending as outlined in the Operations Attendance Policy.

Qualifications

• Bachelor’s degree, equivalent Credit Acceptance work experience, or 4 years of continuous experience in loan underwriting or document review and validation in a high-volume call center environment.
• Proficient in Microsoft Word, Excel, and Outlook.

Requirements

• Remain compliant with our policies, processes, and legal guidelines.
• Work Saturday shifts with an offsetting flex day during the regular work week (non-peak season).
• Mandatory overtime during peak season (January through April) and during month-end (last calendar working day of any month).

Preferred

• Customer Service experience in a call center environment (required for candidates without a Bachelor’s degree).
• Interaction with auto dealers in current or past role.
• Experience reviewing contracts/legal documents with a strong attention to detail.
• Experience interpreting existing rules/guidelines and applying them appropriately to make decisions.

Knowledge and Skills

• Be Diligent: Hard working, conscientious, sense of urgency.
• Be Effective: Clear communicator, autonomous, organized, productive.
• Validate information clearly and intuitively, protecting all stakeholders.
• Educate: Identify and close knowledge gaps with all stakeholders.
• Listen actively, understand caller’s situation.
• Own performance outcomes, improvement actions, and attitude.
• Promote: Deliver superior customer service.
• Effectively work independently in a fast-paced environment.
• Ability to adapt well to change with the willingness to maintain a flexible schedule.
• Speak clearly, professionally, and articulately on the telephone.
• Ability to learn quickly and apply knowledge learned.
• Handle difficult conversations professionally.

Training & Schedule Requirements

• Mandatory Training: Time off is not permitted during the training period.
• Six weeks of virtual training will begin on Monday, January 4, 2027.
• Training includes mandatory travel to our Southfield, Michigan headquarters from February 8–11, 2027. Travel expenses will be covered by Credit Acceptance.
• Schedule: 8-hour shift between the following times: Monday - Friday 6:00 AM - 9:00 PM PST, Saturday 6:00 AM - 6:00 PM PST.
• A minimum of two Saturdays per month with one day off during the week.
• Mandatory six days a week during peak season (end of February through the end of April).

Targeted Compensation

• $25.50 - $29.94/hour based on experience.
• Uncapped monthly bonus potential based on individual performance with a target of 25% of base wages earned during the month.

Benefits

• Excellent benefits package that includes 401(K) match, adoption assistance, parental leave, tuition reimbursement, comprehensive medical/dental/vision, and many nonstandard benefits that make us a Great Place to Work.

Company Values

• Positive by maintaining resiliency and focusing on solutions.
• Respectful by collaborating and actively listening.
• Insightful by cultivating innovation, accumulating business and role-specific knowledge, demonstrating self-awareness, and making quality decisions.
• Direct by effectively communicating and conveying courage.
• Earnest by taking accountability, applying feedback, and effectively planning and priority setting.

Expectations

• Remain compliant with our policies, processes, and legal guidelines.
• All other duties as assigned.
• Attendance as required by department.