Commercial Credit Analyst II - Underwriting

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

This position will be posted until filled

RESPONSIBILITIES

About the role:

The Commercial Credit Analyst II - Underwriting is responsible for analyzing the financial performance and creditworthiness of automotive dealerships, preparing credit recommendations, and supporting lending decisions while ensuring compliance with company policies and risk management standards. This role partners with dealers and internal stakeholders to gather and evaluate financial data, mitigate risk, and deliver accurate credit proposals that support business growth and portfolio quality

In this role you will:

• Accurately analyze financial statements of automotive dealerships and affiliates including fixed charged coverage ratio, bank reconciliation, assigning accurate risk ratings and provide appropriate recommendations to mitigate risk
• Interfacing with customers and internal/external stakeholders to obtain data to complete analysis
• Prepare accurate and concise proposals/modifications for credit committee approval

• Advanced knowledge of credit underwriting
• Extensive knowledge of accounting, financial statement analysis, cash flow and dealer workout
• Knowledge of dealership, fleet/commercial and indirect auto finance industry operations
• Knowledge of Microsoft Office
• Knowledge of reporting and analytics
• Knowledge of Salesforce.com
• Understanding of commercial lending with emphasis in captive automotive dealership financing
• Understanding of dealer operations
• Ability to interface with all levels of management
• Ability to make sound business decisions based on policies and procedures
• Able to meet deadlines
• Customer service skills
• Detailed oriented and capable of managing multiple opportunities simultaneously
• Excellent analytical skills
• Excellent oral/written communication and interpersonal skills
• Must be self-motivated and able to work independently
• High energy and fast paced environment subject to stressful situations
• Hybrid work arrangement, allowing work from the office and remotely

• Working effectively within an AI enabled environment:
• Ability to use AI tools (e.g., Microsoft Copilot) to support daily work
• Skills in evaluating AI outputs for accuracy, compliance, and bias
• Experience integrating AI into workflows to improve efficiency or insights
• Familiarity with AI assisted research, summarization, and content generation
• Understanding of responsible AI use, including ethics and data protection

• 3-5 years of directly related experience in financial analysis and experience in automotive dealership commercial lending environment preferred
• High School Diploma
• Associate Degree
• Bachelor's Degree in Accounting, Finance or in related field or equivalent work experience required
• Master's Degree