ACF Sr Credit Analyst

Job Description

GM Financial is a wholly owned captive finance subsidiary of General Motors 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, as well as commercial lending products for dealer growth.

This position will be posted until filled.

We pioneer the innovations that move and connect people to what matters.

• 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 the Dealer Relationship Manager (DRM) as needed.
• Perform outbound telemarketing calls to dealer customers.
• Establish and track monthly goals for assigned dealers.
• Ensure proper documentation is received on all deals.

• Knowledge of consumer finance and banking environment.
• Knowledge of State and Federal regulatory requirements.
• Knowledge of indirect retail auto financing.
• Knowledge of motor vehicle retail installment documentation.
• Knowledge of sales, credit, and funding processes in consumer finance.
• Knowledge of the company’s credit policies.
• Knowledge of the retail automobile finance industry.
• Working knowledge of consumer credit, credit laws, and regulations.
• Ability to multi‑task.
• Professional representation of GM Financial.
• Ability to work under pressure and make decisions in a fast‑paced environment.
• Credit underwriting skills.
• Customer relations skills.
• Commitment to continuous improvement of business.
• Effective communication skills, including verbal, written, and presentation.
• Innovative thinker with strong ability for strategic vision.
• Negotiation skills.
• Sales skills necessary to develop and maintain productive dealer relationships.
• Strong analytical and problem‑solving skills.
• Strong work ethic.

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

• 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.

Generous benefits package available on day one, including 401(k) matching, bonding leave for new parents (12 weeks, 100% paid), tuition assistance, training, GM employee auto discount, community service pay, and nine company holidays.

Competitive pay and bonus eligibility.

We are unable to consider candidates who require visa sponsorship for this position.

This position is not open to agency submissions.