Commercial Credit Analyst I - CVL

JOB DESCRIPTION

Why Commercial Credit?

The Commercial Credit Analyst is responsible for researching and analyzing credit risks, assessing credit history and approving or denying extension of credit to potential commercial customers. The Analyst develops and maintains positive business relationships with dealers, field sales staff and supporting departments within GM Financial, and renders appropriate credit decisions for commercial financing requests.

About the role:

• Analyze commercial credit applications to determine the degree of risk involved in extending credit and make prudent business decisions to approve or deny the extension of credit within established credit authority.
• Some analysis of financial statements, collateral, debt service, personal financial statements and personal cash flow, as applicable to the size and complexity of the commercial transaction.
• Develop and maintain business relationships with dealership personnel that ensure volume objectives and credit quality.
• Effectively maintain consistent purchase policy based on dealer support, portfolio liquidation, and management direction.
• Perform outbound calls to GM dealer body in an effort to educate on GM Financial Commercial products to increase and establish captive relationship
• Develop and maintain basic knowledge of CVL plans, products and programs.
• Screen appropriate commercial parties to ensure GMF compliance with U.S Patriot Act
• Ensure all queues are worked to acceptable CVL service levels.
• Support internal and external sales as required to complement sales activities.

• Knowledge of credit underwriting preferred
• Knowledge of dealership, fleet/commercial and indirect auto finance industry operations preferred
• Understanding of dealer operations preferred
• Basic understanding of accounting principles and credit bureaus
• Ability to interface with all levels of management.
• Ability to make sound business decisions based on policies and procedures.
• Able to meet deadlines.
• Knowledge of Microsoft Office (Word, Excel, PowerPoint)
• Detailed oriented and capable of managing multiple opportunities simultaneously.
• Excellent customer service skills.
• Must be self-motivated and able to work independently.
• Oral/written communication and interpersonal skills.

• Bachelor's Degree in Accounting, Finance or in related field Preferred
• Ability to handle high call and application volumes and manage competing demands
• Fast-paced office environment, subject to daily service level requirements
• Strong focus on providing quality service to internal and external customers
• May be required to work additional hours based on production demands requiring overtime
• Limited travel may be required to support business needs
• Previous automotive lending and/or credit buying experience Pref