Credit Analyst II - CA

Key Responsibilities:

• Analyze and render decisions on incoming credit applications for powersports loans, ensuring adherence to company guidelines and risk policies.
• Assess borrower creditworthiness through credit reports, structure, and other tools.
• Collaborate with dealers to negotiate deal terms where necessary, working to maximize capture rate while maintaining credit quality.
• Communicate credit decisions clearly and professionally to dealer partners and the sales team.
• Build and maintain strong relationships with dealers to support business growth and promote loyalty.
• Conduct timely follow-ups on approved applications.
• Review and resolve funding exceptions in a timely and accurate manner.
• Review and resolve questions from newly hired employees and Credit Analyst I.
• Provide ongoing training to dealer partners on credit processes, funding requirements, and company policies.
• Handle both incoming and outgoing calls.
• Actively remind and educate dealers on value-added products such as KPP (Kawasaki Protection Plus) to enhance customer offerings and increase product penetration.
• Demonstrate excellent verbal and written communication skills in all interactions with internal teams and external partners.
• Work closely with internal teams (sales, funding, customer service and credit).
• Assist in developing underwriting procedures and training tools.
• Handle escalated dealer or credit partner issues that require higher discretion and problem-solving.
• Assist management in training new hires.
• Support the Credit Manager in auditing files for accuracy and compliance.
• Utilize Microsoft Office and Loan Origination Systems (LOS) to process and manage loan applications.

Qualifications:

• A minimum of 5 years of experience in credit analysis in powersports/motor vehicle lending.
• Proficiency in Microsoft Office (Word, Excel, PowerPoint).
• High school diploma, associate degree or equivalent in Finance, Business, or related field.
• Strong interpersonal and relationship management skills.
• Proven ability to assess credit risk and make sound lending decisions.
• Ability to work independently and collaboratively in a fast-paced and changing environment.
• Strong analytical and decision-making skills.
• Research and problem-solving capabilities.
• Excellent communication and interpersonal skills.
• Ability to follow established procedures and processes.
• Act as a resource for dealer and staff questions regarding the KMRF's loan programs.
• Ability to work on-site at our office in Foothill Ranch, CA.

Profile Differentiators:

• Experience in founding, co-founding or working in a fast-paced startup environment.
• Experience in Powersports Finance Industry (motorcycle, ATVs UTVs, PWCs)
• Experience in a FinTech startup.
• Advanced Professional degree

Hourly Range:

$37.00-$39.00

To support your health and wellness goals, Kawasaki provides a comprehensive benefits program dedicated to the well-being of our employees and their families.

What We Offer:

• Competitive salary based on experience
• Medical, Dental, Vision and Pet insurance
• 401(k) match
• Life and Disability benefits
• Generous PTO policy
• Up to 12 paid company holidays
• Employee discounts on Kawasaki products
• Onsite fitness center
• Kawasaki Kafe

Equal Opportunity:

KMRF is an Equal Opportunity Employer; employment with KMRF is governed on the basis of merit, competence and qualifications and will not be influenced in any manner by race, color, religion, gender, national origin/ethnicity, veteran status, disability status, age, sexual orientation, gender identity, marital status, mental or physical disability or any other legally protected status.