We are looking for a detail-oriented Credit Analyst to support financing decisions and account risk management in Oxnard, California. This role focuses on evaluating creditworthiness, monitoring active transactions, and helping move applications efficiently from submission through funding. The ideal candidate brings sound financial judgment, strong communication skills, and the ability to work collaboratively in a fast-paced environment.<br><br>Responsibilities:<br>• Evaluate credit applications, analyze financial information, and help determine appropriate risk ratings for new and existing borrowers.<br>• Take ownership of underwriting higher-value transactions, including deals exceeding established monetary thresholds, and recommend sound credit decisions.<br>• Manage the progress of financing files from initial receipt through final funding while maintaining timely communication with dealers and internal teams.<br>• Review open accounts and pending files each day to track status, identify issues early, and support prompt resolution.<br>• Compile and analyze credit score data to support quarterly scorecard updates and broader portfolio insights.<br>• Build and refine credit-related data models that help identify performance trends and emerging risk patterns.<br>• Stay current on market conditions and industry factors that may influence lending decisions and portfolio quality.<br>• Contribute to team development by assisting with training for less experienced finance or credit staff and participating in departmental meetings.<br>• Recommend process improvements to strengthen efficiency, workflow quality, and overall operational performance.

• Bachelor’s degree in Business, Finance, or a related field, or an equivalent combination of education and relevant experience.<br>• Demonstrated knowledge of credit analysis, commercial credit, and collections practices.<br>• Ability to assess borrower risk using financial data, credit applications, and sound judgment.<br>• Strong organizational skills with the ability to manage multiple files and deadlines at the same time.<br>• Clear written and verbal communication skills for working with internal stakeholders and external partners.<br>• High level of integrity and consistent adherence to company policies, procedures, and quality standards.<br>• Spanish language skills are beneficial.<br>• Ability to travel occasionally, up to 5%.

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