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BMW Financial Services NA, LLC was established in 1993, supporting the sales and marketing of BMW products. Subsequently, we have expanded beyond the leasing, retail and commercial financing of a traditional captive‑finance company offering a broad variety of products tailored for the BMW, MINI and Rolls‑Royce customer. Be a part of our exciting growth by expressing an interest in our Retail Credit Specialist position located in Salt Lake City, UT.

As a Retail Credit Specialist, you will underwrite $400 million in credit submissions annually and underwrite fleet credit line relationships up to $750 k. You will be responsible for managing risk while maximizing portfolio growth by analyzing and interpreting consumer and business credit data while remaining compliant with federal, state and BMW Group Financial Services’ regulatory requirements, practices, policies and procedures (including but not limited to fair lending, Equal Credit Opportunity Act, Truth in Lending Act, Anti‑Money Laundering and Financial Sanctions, and Anti‑Fraud management). This role is also responsible to ensure adherence to Financial Abuse prevention, as well as the prevention of Unfair, Deceptive, Abusive Acts and Practices.

What Awaits You

• Analyze information received from consumer and business credit applications and credit reporting agencies to make prudent credit decisions, collect, and analyze all requisite documentation including, but not limited to, financial and income statements to decide business and fleet applications, negotiate terms and conditions of application decisions with Centers within established approval and exception guidelines to ensure credit quality and profitability.
• Mitigate risk through thorough analysis and appropriate verification tools, escalating applications exceeding lending authority to Senior Credit Analyst/Manager/Team Leader, and support and promote company cultural values, service standards, and goals in all aspects of performance.
• Communicate credit decisions and rationale to Centers by telephone and through well‑documented stipulations and recommend alternative options on declined applications upon which the Center may be able to offer. Must be an effective negotiator and able to structure deals to mitigate risk, be responsive to Center calls, e‑mails and voicemails, as well as maintain and develop Center relationships by building rapport through telephone calls and in‑person dealer events.

What You Should Bring

• Bachelor’s Degree or consistent work toward attainment or equivalent experience and/or certification
• 2+ years of Finance experience or related education
  • Preferences:
  • Preferred area of Study: Business degree with concentration in Finance
  • 1-2 Years Credit Analysis experience
  • 1-2 Years Collections experience
  • 1-2 Years Dealer Facing experience

What You Can Look Forward To

• Medical, Dental, and Vision insurance
• 401(k) with Company match and Retirement Income Account
• Employee vehicle program
• Generous PTO and Company paid holidays
• Voluntary Benefits to fit your needs

This is a hybrid role that requires regular attendance in the office. The position is located in Salt Lake City, Utah.

The pay range for this role is $50,300.00 – $83,000.00.

The selected candidate’s education, skills, experience, and location will be used to determine the final salary offer. All pay ranges are based on a full‑time work schedule. This statement is in accordance with state and local pay disclosure requirements.

Even more so than the generous compensation and benefits, the culture and values of BMW of North America make it the ultimate working environment. These values are Responsibility, Appreciation, Transparency, Trust, and Openness. We allow these values to guide the way we conduct ourselves and our business.

BMW in the United States is an equal opportunity employer. It is the policy of BMW Group in the United States to provide equal employment opportunity (EEO) to all qualified persons regardless of age, race, color, religion, sex, sexual orientation, gender identity, national origin, disability or veteran status.

All candidates considered for an offer of employment are subject to the satisfactory completion of a background investigation. Background investigations consist of verification of education, prior employment, credit history, criminal history, references, Division of Motor Vehicle history, and pre‑employment drug screen to the extent permissible under applicable state law.