Automotive Credit Analyst

American Honda Finance Corp. seeks a Buyer to evaluate and decision automotive credit applications for Honda and Acura customers and dealers. In this role, you will analyze credit reports and financial data, assess risk within AHFC policies, and recommend or approve credit decisions that balance portfolio quality with customer and dealer needs. You will collaborate closely with sales and dealer relations teams, maintain accurate documentation, and ensure strict compliance with lending regulations. This position offers a professional, customer-focused environment with opportunities to grow your expertise in automotive finance and advance within a stable, well-known brand.

Responsibilities

• Review and analyze dealer and consumer credit applications for automotive financing

• Assess creditworthiness using financial statements, credit reports, and AHFC policies

• Recommend credit decisions within assigned authority levels and escalate exceptions

• Monitor portfolio risk and identify trends impacting credit quality

• Collaborate with sales and dealer relations teams to support financing solutions

• Ensure compliance with lending regulations and internal risk standards

• Maintain accurate documentation and system records for all credit files

• Communicate credit decisions and rationale to internal partners and dealers

• Support process improvements to enhance credit assessment efficiency

• Participate in training to deepen knowledge of automotive finance products Required Skills

• Credit analysis

• Financial statement analysis

• Risk assessment

• Knowledge of consumer lending regulations

• Auto finance products

• Excel and financial software tools

• Data interpretation and reporting

• Decision-making within credit authority

• Written and verbal communication

• Time management and prioritization