长沙招聘

职位: 信贷分析（零售金融部）

概况: 负责分析审核零售金融贷款申请并作出信贷风险评估和决策

职位描述

1.         基于既定的信贷风险管理政策及流程规范， 通过电话核实完成零售汽车贷款的审查审批工作， 核实借款人材料的真实性与完整性， 发现并提示风险点， 出具审贷意见

2.         按照标准流程完成运营操作，及时且准确完成审批任务， 确保审批效率和质量

3.         及时向上级汇报工作中发现的风险问题，追踪并控制风险

4.         提出审批运营优化建议

5.         及时协助经销商解决审贷运营相关的问题

6.         完成支持审贷运营的数据分析和跨部门沟通

7.         完成上级主管安排的其他工作

岗位要求

1.    全日制大学本科（含）及以上学历， 金融/财务/法律相关专业优先

2.    至少2年以上金融相关行业经验， 有信贷审核经验优先

3.    熟悉金融行业相关的法律，法规和汽车金融相关信息

4.    愿意且能够承受较强的工作压力，为人正直且具有责任心

5.    具备客户和经销商服务意识，优秀的沟通和表达能力

6.    优秀的PPT和Excel使用技能

7.    具备数据分析能力，会使用SQL语言进行数据库查询/计算等操作优先

8.    良好的逻辑分析和解决问题能力

9.    良好的英文听说读写能力

Position: Credit Analyst (Retail Finance Dept.)

Summary: the incumbent is responsible for analyzing retail financial application with related information & materials and performs credit decision.

Job Responsibilities

1.         According to the credit risk management policy and work-flow regulation, accomplish the retail credit analysis through phone verification; check the authenticity and integrity of the materials, identify significant risk points and make credit decision.

2.         According to the standard task manual, complete the operating process, accomplish credit analyst tasks promptly and accurately, ensure the efficiency and quality.

3.         Timely report to supervisors, if any finding risk point, track and control risk points.

4.         Propose optimizable suggestions for retail credit operating.

5.         Timely solving credit operating problems of DLRs.

6.         Accomplish the data analysis and cross-departments communication to support credit operating, if any.

7.         Perform other add hoc work tasks assigned by the supervisors.

Job Requirements

1.         Bachelor degree is required that Finance/Accounting/Legal background is preferred.

2.         Minimum 2 years’ experience in finance industry, credit analysis experience is preferred.

3.         Familiar with finance industry laws, regulations and AFC knowledges.

4.         Strong pressure resistance, integrity and responsibility.

5.         Excellent service consciousness for Clients and DLRs, excellent communication skill.

6.         Excellent PPT and EXCEL skills.

7.         Ability of data analysis skill with SQL database to inquiry and calculate is preferred.

8.         Good logical analysis and problem-solving skills.

9.         Proficient in both written and spoken English.

东风日产汽车金融有限公司是由日本日产自动车株式会社、东风汽车集团股份有限公司和日产（中国）投资有限公司共同出资的经营汽车金融业务的合资公司，注册资本为人民币十二亿元。日产自动车株式会社占股37.9％，东风汽车集团股份有限公司占股35％，日产（中国）投资有限公司占股27.1％。公司总部位于上海市浦东新区福山路500 号城建国际中心11 楼。
日产自动车株会社创立于1933 年，是日本三大汽车制造商之一，世界500 强之一。
东风汽车集团股份有限公司成立于2001 年，并于2005 年在香港联交所主板挂牌上市，系中国三大汽车集团之一的东风汽车公司的子公司。
日产（中国）投资有限公司成立于2004 年，系日产自动车株式会社在北京
设立的全资子公司。
公司主要经营业务：
- 为最终用户提供购车贷款业务
- 办理汽车经销商采购车辆贷款
- 营运设备贷款（包括展示厅建设贷款和零配件贷款以及维修设备贷款等）
- 转让和出售汽车贷款应收款业务
- 为贷款购车提供担保
- 与购车融资活动相关的代理业务
基于对中国汽车市场和汽车产品的深刻认识，我们将致力于将全球先进的汽车金融服务理念与中国客户的需求相结合,为客户提供量身定制的专业购车贷款服务。我们相信，东风日产汽车金融有限公司借助日产自动车株式会社在全球金融服务业务的丰富经验、借助东风汽车集团股份有限公司在中国本地的运营经验和广泛影响力，必将走上健康发展之路，成为中国金融服务业一颗璀璨的新星！

Dongfeng Nissan Auto Finance Co., Ltd., with a registered capital of RenMinBi One Thousand and Two Hundred Million Yuan, is a joint venture company invested by Nissan Motor Co., Ltd. holding 37.9% equities, Dongfeng Motor Group Co., Ltd. holding 35% equities and Nissan (China) Investment Co., Ltd. holding 27.1% equities. The headquarter ofthe Company is located at Floor 11, No.500 Fushan Road UC Tower, Pudong New District,Shanghai, P.R.C..
Nissan Motor Co., Ltd., established in Year 1933, is one of the three biggest automobile manufactures in Japan and lists on Fortune Global 500.
Dongfeng Motor Group Co., Ltd. was established in Year 2001 and listed on the Main Board of Hongkong Exchange in Year 2005. Dongfeng Motor Group Co., Ltd. is a subsidiary company of Dongfeng Motor Corporation which is one of the three biggest automobile manufactures in China.
Nissan (China) Investment Co., Ltd., established in Year 2004, is a subsidiary company wholly owned by Nissan Motor Co., Ltd. in Beijing.
The main business scope of the Company includes:
- Providing loan services to end users for purchase of automobiles
- Providing loans to auto dealers for the purpose of procurement of automobiles and operating facilities (including loans for the construction of show rooms, purchase of spare parts and maintenance equipment, etc.)
- Transferring and selling the business of auto loan receivables
- Providing security for auto loans
- Agency services related to auto finance business
With the profound understanding of the auto market and auto products in China, we are endeavoring to contributing our globally-advanced auto finance experience to meet the needs of China customers and providing you with the most excellent and exceptional financial service. We believe, the perfect combination of rich global experience of Nissan Motor Co., Ltd. in auto finance area and the sufficient understanding of local market and comprehensive influence of Dongfeng Motor Group Co., Ltd. will ensure Dongfeng Nissan Auto Finance Co., Ltd. to have progressive development and become a new shinning star of the financial service market in China!