ACF Sr Credit Analyst - Zone

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.

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.

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

The ACF Sr. Credit Analyst I evaluates credit applications and dealer financing opportunities to assess risk and make sound credit decisions within established lending authority. This role partners with dealers and internal teams to support portfolio growth, maintain credit quality, and ensure contract profitability while managing dealer relationships, analyzing financial information, monitoring performance goals, and ensuring accurate and timely processing of credit transactions.

• 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

• Knowledge 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 professionally represent GM Financial
• Ability to work under pressure and make decisions in a fast-paced environment
• Display commitment to continuous improvement of business
• Effective communication skills including verbal, written, and presentation
• Innovative thinker with strong ability for strategic vision
• Sales skills necessary to develop and maintain productive dealer relationships

Working effectively within an AI enabled environment:

• Ability to use AI tools (e.g., Microsoft Copilot) to support daily work
• Skill…