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Credit Specialist II

Why GLS?


Purpose: Access to affordable, reliable transportation is essential to leading productive work and personal lives, caring well for oneself, one’s family, and the needs of others. Through advanced analytics and technology, we can more accurately predict credit risk and provide more people with an affordable auto financing option for their next vehicle. That’s what GLS has done for over 10 years, helping more than half a million families meet and improve their transportation needs. 


People: Join a culture of over 1,000 employees who Care Deeply and Think Boldly, driving innovation in an adaptive and positive culture that celebrates successes. We empower and reward individuals and teams who make direct, positive impacts to the business and each other, who take pride in their work and are ever-raising the bar. 


Growth: Recognized by Inc 5000 as one of the fastest-growing private companies in America. Join GLS to grow with us!


Benefits: GLS offers the below great benefits for your amazing work!

o   Competitive base pay and performance bonuses, dependent on role

o   Medical, dental, vision, telemedicine, supplemental insurance benefits, long-term and short-term disability

o   401K with employer match and 100% immediate vesting

o   Paid Time Off (PTO) and paid company holidays to help you balance work and personal life

o   Paid Volunteer Time Off (VTO) Annually

o   Tuition Reimbursement

o   Parental Leave

o   Business casual work environment


What does it mean to be a Credit Specialist II at GLS?

The Credit Specialist II is responsible for reviewing all requests for exceptions to established credit policy to ensure such exceptions meet company tolerance. This position will also serve as a primary resource for departmental training initiatives.




How will you drive value within the organization a Credit Specialist II ?
  • Work in conjunction with senior leadership to establish, document, continuously evaluate, and modify as necessary the criteria for loans that may qualify for an exception
  • Review all requests for exceptions to established credit policy to ensure such exceptions meet company tolerance
  • Provide meaningful and timely coaching and feedback related to exception requests that are not within company tolerance
  • Track, document, and report to senior leadership trends related to policy exceptions
  • Act as the primary resource in the development and delivery of departmental training
  • Foster a collaborative culture that facilitates the achievement of business plan objectives by working closely with other associates and members of management


What should you already know to be successful as a Credit Specialist II?
  • Minimum of bachelor’s degree required
  • A minimum of five (5) years of underwriting experience required
  • Thorough knowledge of credit-related laws, consumer lending/underwriting concepts, practices, and procedures required
  • Ability to multi-task, prioritize, and effectively manage and work within a team
  • Ability to solve problems under pressure and provide creative solutions when necessary
  • Proficient computer skills with working knowledge of internet and standard business applications such as Microsoft Office; ability to quickly learn new computer applications as required
  • Commitment to exemplifying the organizational core values and key competencies


Employment Requirements:
  • Talk and hear to exchange accurate information
  • Have close visual acuity to perform activities such as: preparing and analyzing data and figures; viewing a computer terminal; extensive reading
  • This is an exempt-level position whereby business needs will dictate the exact work schedule which should be expected to vary, at times coverage until 8:00p may be necessary
  • The position does not require travel


2023 California Applicant Privacy Notice

GLS participates in the E-Verify program to confirm the employment eligibility of all newly hired employees

Please visit www.glsauto.com for information about our great company and other amazing opportunities


 

Applicants have rights under Federal Employment Laws

Family and Medical Leave Act (FMLA) 

Equal Employment Opportunity (EEO) 

Employee Polygraph Protection Act (EPPA) 

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What You Should Know About Credit Specialist II, Global Lending Services

Are you looking for an exciting opportunity to grow with a fast-paced company? Look no further than GLS, where we’re on a mission to provide affordable, reliable auto financing options for families across the country. As a Credit Specialist II in Greenville, South Carolina, you will play a crucial role in our operations. Here, you’ll get to review exception requests to our established credit policies and ensure compliance with our company’s standards. With over 10 years in the industry and a steadfast commitment to innovation, our team of over 1,000 employees is all about celebrating success and promoting a culture of empowerment. You’ll work closely with senior leadership to refine and enhance our loan qualifications, while also helping to shape and deliver training initiatives within our department. At GLS, we believe in prioritizing not just the company’s goals but also the growth of our employees. That’s why we offer fantastic benefits, including competitive pay, health insurance, and generous paid time off. If you have a minimum of five years of underwriting experience and a passion for delivering exceptional service, we invite you to join us as we continue to drive change in the auto financing landscape while promoting a positive and collaborative environment.

Frequently Asked Questions (FAQs) for Credit Specialist II Role at Global Lending Services
What are the responsibilities of a Credit Specialist II at GLS?

As a Credit Specialist II at GLS, you will be responsible for reviewing exception requests to our credit policies, providing valuable feedback on these requests, and identifying trends related to policy exceptions. Furthermore, you will play a key role in developing training content for the department and ensuring a collaborative work environment.

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What qualifications do I need to become a Credit Specialist II at GLS?

To qualify for the Credit Specialist II position at GLS, you will need a bachelor’s degree and at least five years of underwriting experience. You should have a strong knowledge of credit laws and consumer lending practices, along with proficient computer skills, especially in Microsoft Office.

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How does GLS support the growth of its Credit Specialists?

GLS is proud to provide ample opportunities for growth through training initiatives, mentorship from senior leadership, and a supportive work culture that emphasizes personal and professional development, making it a great place for a Credit Specialist II to advance their career.

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What benefits can I expect as a Credit Specialist II at GLS?

GLS offers a robust benefits package, including competitive base pay, performance bonuses, comprehensive insurance options, a 401K plan with employer matching, generous PTO, and opportunities for tuition reimbursement and parental leave, all aimed at maintaining a healthy work-life balance.

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What is the work environment like for a Credit Specialist II at GLS?

At GLS, the work environment for a Credit Specialist II is dynamic and collaborative. We strive for an adaptive culture that celebrates innovation and success, allowing our employees to thrive and make a positive impact on the organization.

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Common Interview Questions for Credit Specialist II
Can you describe your experience with credit underwriting?

When answering this question, discuss your specific experiences in the field, techniques you’ve employed, and how you’ve successfully managed credit risk. Highlight any tools or software you’ve worked with and explain your understanding of credit-related laws.

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How do you manage requests that don’t fit within company guidelines?

Explain your approach to critically evaluating each request, including how you communicate with stakeholders about potential exceptions and the importance of adhering to company policies while being flexible when warranted.

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How do you ensure effective training and onboarding in your department?

Share your experience in training others, focusing on how you assess the training needs, develop content, and measure the effectiveness of your training programs to enhance team performance.

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What strategies do you implement to stay organized in your work?

Outline specific tools and methods you use to keep track of tasks, prioritize responsibilities, and maintain thorough documentation, all while ensuring deadlines are met.

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Can you explain a time when you had to solve a difficult problem under pressure?

Provide a specific example that illustrates your problem-solving process, focusing on the steps you took to gather information, analyze the situation, and develop an effective solution. Be sure to demonstrate your critical thinking skills.

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How do you handle feedback on your work?

Discuss your openness to receiving feedback and illustrate how you’ve applied constructive criticism to improve your performance or adapt your work practices.

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Describe how you collaborate with others in a team environment.

Share experiences where teamwork was crucial to achieving a project’s goal, emphasizing communication, shared responsibilities, and conflict resolution skills.

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How do you stay updated with changes in credit laws and policies?

Explain the resources you leverage, such as industry publications, webinars, and professional associations, to keep your knowledge current and compliant with regulations.

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What do you believe are the key performance indicators for a Credit Specialist II?

Discuss metrics that you think are critical for measuring performance, such as compliance rates, exception approval turnaround times, and the effectiveness of training provided to the team.

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Why do you want to work for GLS as a Credit Specialist II?

Express your interest in GLS’s mission, values, and culture. Mention how your goals align with the company's commitment to providing affordable auto financing and creating a positive impact on the community.

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Full-time, on-site
DATE POSTED
December 12, 2024

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