ACF Sr Credit Analyst I - Zone A

JOB DESCRIPTION

Why GM Financial?

GM Financial is the wholly owned captive finance subsidiary of General Motors and is headquartered in Fort Worth, U.S. We are a global provider of auto finance solutions, with operations in North America, South America and the Asia Pacific region. Through our long-standing relationships with auto dealers, we offer attractive retail financing and lease programs to meet the needs of each customer. We also offer commercial lending products to dealers to help them finance and grow their businesses.

At GM Financial, our team members define and shape our culture - an environment that welcomes new ideas, fosters integrity and creates a sense of community and belonging. Here we do more than work - we thrive.

Our Purpose: We pioneer the innovations that move and connect people to what matters

About the role:

The Senior Credit Analyst is responsible for researching and analyzing credit risks, assessing credit history, and approving or denying extension of credit to potential customers. This team member has contact with other company departments, as well as automobile dealers and other finance and credit sources.

RESPONSIBILITIES

• Analyze credit data to assess risk and determine creditworthiness.
• Approve or deny credit applications within established authority and legal guidelines.
• Build and maintain dealer relationships to support volume and credit quality goals.
• Secure automotive finance contracts that align with profitability standards.
• Collaborate with other departments to enhance operational efficiency.
• Manage and resolve work queues to meet service level expectations.
• Support dealer engagement through joint calls and outbound telemarketing.
• Track monthly dealer goals and ensure complete documentation for all deals.

QUALIFICATIONS

What makes you a dream candidate?

• Strong knowledge of consumer finance, auto lending, and related regulatory requirements.
• Familiarity with retail installment documentation and credit policies.
• Skilled in credit underwriting, sales, negotiation, and customer relations.
• Ability to work under pressure, multitask, and make sound decisions in a fast-paced environment.
• Effective verbal, written, and presentation communication skills.
• Strategic thinker with a commitment to continuous business improvement.
• Proven ability to build and maintain productive dealer relationships.
• Strong analytical, problem-solving skills, and a solid work ethic.

Experience

• 2-3 years of underwriting/sales in the automotive industry preferred
• High School Diploma or equivalent required

What We Offer: Generous benefits package available on day one to include: 401K matching, bonding leave for new parents (12 weeks, 100% paid), tuition assistance, training, GM employee auto discount, community service pay and nine company holidays.

Our Culture: Our team members define and shape our culture. We have an environment that welcomes new ideas, fosters integrity, and creates a sense of community and belonging. Here we do more than. work - we thrive.

Compensation: Competitive pay and bonus eligibility.

Work Life Balance: Flexible hybrid work environment, 2 days a week in office (Mon/Tue)

Client-provided location(s): Cincinnati, OH

Job ID: GM_Financial-1097

Employment Type: FULL_TIME

Posted: 2025-10-04T19:21:30