Sr Credit Analyst I

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

In this role you will: 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.

• 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 Americredit/GM Financial profitability criteria for pricing and performance.
• 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 Relationship Manager (DRM) on an as needed basis.
• Perform outbound telemarketing calls to the dealer customer.
• Establish and track monthly goals for assigned dealers.
• Ensure proper documentation is received on all deals.

• Strong understanding of the consumer finance and banking landscape, including retail automobile financing and indirect lending models.
• Comprehensive knowledge of state and federal regulations, consumer credit laws, and compliance requirements.
• Familiarity with motor vehicle retail installment contracts, credit underwriting, and funding processes.
• Solid understanding of company credit policies, sales processes, and dealer financing operations.
• Proven ability to analyze credit risk, identify issues, and develop effective solutions.
• Demonstrated skills in customer relations, negotiation, and dealer relationship management.
• Ability to professionally represent GM Financial with internal partners and external customers.
• Strong verbal, written, and presentation communication skills.
• Innovative, strategic thinker with a commitment to continuous improvement.
• Highly effective in a fast‑paced, high‑pressure environment, with strong multitasking and decision‑making capabilities.
• Detail‑oriented with a strong work ethic and focus on service quality.
• Ability to meet daily service‑level requirements and adapt to business demands.
• Willingness to work a flexible schedule, including extended hours when necessary.
• Ability to manage stressful office conditions while troubleshooting complex issues.
• Limited travel may be required to support business needs.

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