GMF Credit Analyst

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

RESPONSIBILITIES

About The Role:

The 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.

• Analyze credit data to determine the degree of risk involved in extending credit; Make decisions to approve or deny the extension of credit within set credit authority established by senior management and State/Federal laws
• Develop sufficient dealer relationships that ensure volume objectives and credit quality
• Capture automotive finance contracts that meet GM Financial profitability criteria for pricing and performance
• Ensure compliance with applicable policies and procedures
• Ensure branch office cooperation with other departments to maximize efficiency within the company
• Ensure all queues are worked to acceptable service levels
• Conduct joint dealer calls with Dealer Account Representative (DAR) on an as needed basis
• Perform outbound telemarketing calls to the dealer customer
• Ensure proper documentation is received on all deals

• Possess strong analytical and problem-solving skills
• Be an innovative thinker with strong ability for strategic vision
• Be able to analyze credit data to determine the degree of risk involved in extending credit
• Achieve required credit quality and productivity by ensuring all queues are worked to acceptable service levels
• Have a knowledge of consumer finance and banking environment
• Have an ability to work under pressure and make decisions in a fast-paced environment
• Have excellent negotiation skills
• Have a strong work ethic
• Ensure credit center office cooperation with other departments to maximize efficiency within the company
• Possess customer relations skills

• High School Diploma or equivalent required
• Bachelor's Degree with emphasis in Marketing/Finance or in a related field, or equivalent experience preferred
• 0-2 years of relevant experience preferred