American Credit Acceptance seeks to fill the position of Legal Analyst I.


American Credit Acceptance (ACA) is an indirect automotive lending institution that provides financing to emerging credit consumers from coast to coast. ACA manages more than $3 billion in assets and has successful relationships with the top ten automotive dealer groups and thousands of independent dealerships across the nation. Headquartered in beautiful Spartanburg, South Carolina, ACA employs over 1,000 associates and has an A+ rating with the BBB. Spartan Financial Partners, a division of ACA, specializes in providing capital solutions including Lines of Credit and Bulk Purchases for Buy Here Pay Here dealers and Independent Auto Finance companies across the country.

The Legal Analyst will compile all necessary data, documents, and reports for the Legal Department to perform account level investigations and respond to external parties. This position will support ACA’s Legal Department and all duties are performed under the supervision of an attorney.

Essential Functions

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Litigation and Consumer Complaints

  • Identify, record, categorize, investigate, and retain consumer-initiated litigation, settlements, and complaints

  • Thorough account-level review of factual information and documentation

  • Assist with drafting discovery responses and liaising with outside counsel

  • Distribute and monitor litigation holds

  • Prepare letters in regard to specific matters at the direction of Counsel

  • Provide assistance in handling direct disputes from customers received in the Legal Department

  • Provide first level review of Tier 1 Complaints and gather documentation to assist with Counsel’s review of Tier 1 Complaints State Examinations and Regulatory Requests

  • Assist with compiling all necessary data and supporting documentation that will be provided in accordance with state examinations and other regulatory requests

  • Assist counsel with legal review of documents prior to submission to regulators

  • Research applicable state law as necessary

Subpoenas and Other Information Requests

  • Identify, receive, review, investigate, and prepare responses to subpoenas and other requests for documents by external parties

  • Thorough account-level review of factual information and documentation to properly address requests

  • Appropriate redaction of information/documents

  • Timely response and organized retention of requests and responses

Other Duties

  • Conduct public records searches and other document review

  • Provide scribe services at meetings

  • Assist with tracking and reviewing legal invoices

  • Other duties as assigned


  • Bachelor’s Degree or Associate’s Degree with 1 year of applicable experience preferred

  • Excellent analytical skills

  • Strong sense of organization

  • Strong attention to detail

  • Proficient in MS Office (specifically Outlook, Word, Excel and PowerPoint), internet navigation and ability to learn new systems

  • Excellent written and verbal communication skills with both internal and external parties

  • Paralegal and/or notary certification is a plus

Supervisory Responsibility

This position has no supervisory responsibilities.

Work Environment and Physical Demands

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.

Position Type/Expected Hours of Work

This is a full-time position with a work schedule of Monday-Friday with some schedule variations as needed.


This position will not require travel.

To Apply

Apply online.

EEO Statement

ACA provides equal employment opportunities (EEO) to all applicants for employment without regard to race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, disability, genetic information, marital status, amnesty, or status as a covered veteran in accordance with applicable federal, state and local laws. ACA complies with applicable state and local laws governing non-discrimination in employment in every location in which the company has facilities.