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

RESPONSIBILITIES

• 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
• Perform outbound telemarketing calls to the dealer customer
• Conduct joint dealer calls with Dealer Account Representative (DAR) on an as needed basis
• Ensure proper documentation is received on all deals

• Strong knowledge of consumer finance, credit, funding, and indirect auto financing
• Thorough understanding of motor vehicle retail installment documentation and company credit policies
• Working knowledge of consumer credit laws, and state and federal regulatory requirements
• Familiarity with the retail automobile finance and banking environment
• Excellent credit underwriting, analytical, and problem-solving skills
• Strong sales, negotiation, and dealer relationship management skills
• Effective verbal, written, and presentation communication skills
• Ability to multi-task, work under pressure, and make sound decisions in a fast-paced environment
• Professional representation of GM Financial with a strong work ethic and customer focus

• 2-3 years of relevant experience preferred
• High School Diploma or equivalent required
• Bachelor's Degree in related field preferred