Sr. Credit Exception Analyst

The Credit Exception Senior Analyst is a high-impact role within the Credit team, responsible for the expert evaluation, analysis, and resolution of auto retail installment contracts that are submitted for funding with deviations from original credit approvals. This role requires a seasoned credit professional with a deep understanding of credit risk principles, retail auto lending policies, and the ability to exercise sound judgment in high-stakes decisions. The Senior Analyst will serve as a key decision-maker and escalation point for exception handling, ensuring a balanced approach between risk mitigation and business enablement.

ESSENTIAL DUTIES AND EXPECTATIONS

• Review auto retail installment contract packages submitted for funding that contain variances from the originally approved terms.
• Analyze borrower profiles, deal structure, credit bureau data, and supporting documentation to assess risk and determine eligibility for exception approval.
• Make informed credit decisions on exception requests within designated authority limits; escalate as appropriate with clear rationale and recommendations.
• Partner with credit analysts, funding teams, and sales/operations leadership to ensure timely resolution of exception cases without compromising credit standards.
• Provide guidance on exception trends and root causes to help refine credit policies and reduce exception volume over time.
• Maintain high standards of documentation and audit readiness for all exception decisions.
• Support continuous improvement initiatives, including policy updates, system enhancements, and training efforts.
• Contribute to cross-functional projects aimed at improving credit risk oversight and operational efficiency

ESSENTIAL KNOWLEDGE, SKILL & LICENSES:

• Minimum 10 years of experience in auto finance credit analysis, underwriting, or funding with a focus on exception handling or credit risk assessment.
• Strong knowledge of consumer credit regulations, auto lending policies, and retail installment contract structures.
• Prior experience working in a fast-paced, high-volume auto finance environment.
• Demonstrated leadership or mentorship in credit decisioning roles.
• Strategic thinker with a continuous improvement mindset and operational acumen.
• Exceptional analytical skills with the ability to assess complex credit situations and make independent, well-supported decisions.
• Proven ability to manage high volumes of work while maintaining accuracy and compliance.
• Strong communication and collaboration skills with the ability to influence across teams and levels.
• High proficiency in credit systems and tools (e.g., LOS, DMS, credit bureau platforms).

EDUCATION AND/OR EXPERIENCE:

• Bachelor's degree preferred in Finance, Business, Economics, or a related field; advanced degree or relevant certifications (e.g., CFA, CBA) a plus. Additional experience may be considered in lieu of degree.
• Senior Level Individual Contributor: Minimum 10 Years of Experience
• 10+ years related experience required in auto finance, or equivalent combination of education and experience. Prior relationship management experience required.

PHYSICAL DEMANDS

This position requires sitting for long periods of time (up to two hours without break).

This position requires use of a keyboard for long periods of time (up to two hours without break).

This position requires extensive telephone communication activity.

There are no other significant physical demands associated with this position.

This position requires other specific physical demands, described below:

Physical Demand: Some travel is required Amt./Frequency: Up to 2 times per quarter, to CA, TX and FL.

SUPERVISOR RESPONSIBILITIES

• Does this job have supervisory responsibilities? No Yes
• Are there subordinate supervisors reporting to this job? No Yes - How many
• How many employees report directly to this job?
• How many employees, in total, report directly or indirectly to this job?

EQUAL EMPLOYMENT OPPORTUNITY STATEMENT

AutoNation Finance is an equal employment opportunity employer. We consider applicants for all positions without regard to race, color, creed, religion, national origin or ancestry, sex, age, disability, genetic information, veteran status, or any other legally protected status under local, state, or federal law.

Exciting Benefits and Perks Await You:

• Competitive compensation and 401k matching

• Enjoy a healthy work-life balance with insurance plans (health, dental, vision) and maternity benefits.

• Associate purchase and discount programs for new and pre-owned vehicles, services, parts, collision, accessories, and AutoGear

• Access amazing deals and discounts through YouDecide, a website with offers from top providers and retailers

• Join our DRVPNK mission to raise and donate millions of dollars to cancer research and treatment, partnering with cancer charities nationwide

AutoNation is one of the largest automotive retailers in the United States, offering innovative products, exceptional services, and comprehensive solutions, empowering our customers to make the best decisions for their needs. With a network of dealerships nationwide strengthened by a recognized brand, we offer a wide variety of new and used vehicles, customer financing, parts, and provide expert maintenance and repair services. Through DRV PNK, we have raised over $40 million for cancer-related causes, demonstrating our commitment to making a positive difference in the lives of our Associates, Customers, and the communities we serve.

AutoNation is committed to creating a diverse, equitable, and inclusive environment in our workplace and the services we provide. We welcome candidates from all backgrounds who are passionate about making a positive impact. Even if you do not meet every requirement, we encourage you to apply. Join our team and help us foster a culture of belonging while contributing to our revolutionary work in the automotive industry. We value innovation, teamwork, and a commitment to making a positive impact in the world.