GMF Sr Credit Analyst - Zone C

Job Description

Senior Credit Analyst responsible for researching and analyzing credit risks, assessing credit history and approving or denying extension of credit to potential customers. The role involves managing relationships with automobile dealers, administering inbound applications and phone calls, and ensuring compliance with State and Federal regulations and compliance standards.

• 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 to 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 dealer customers.
• Conduct joint dealer calls with Dealer Account Representative (DAR) as needed.
• Ensure proper documentation is received on all deals.
• Negotiate loan terms.
• Communicate clearly and effectively with a wide variety of internal and external people, both in formal and informal circumstances, to gain agreement and acceptance.

• Knowledge of sales, credit and funding processes in consumer finance.
• Knowledge of motor vehicle retail installment documentation.
• Knowledge of the Company’s credit policies.
• Working knowledge of consumer credit, credit laws and regulations.
• Knowledge of the retail automobile finance industry.
• Knowledge of indirect retail auto financing.
• Knowledge of State and Federal regulatory requirements.
• Knowledge of consumer finance and banking environment.
• Strong work ethic.
• Strong analytical and problem solving skills.
• Superior customer relations skills.
• Effective communication skills including verbal, written, and presentation.
• Sales skills necessary to develop and maintain productive dealer relationships.
• Negotiation skills.
• Ability to work under pressure and make decisions in a fast-paced environment.
• Ability to professionally represent GM Financial.
• Ability to multi-task.
• Strong focus on providing quality service to internal and external customers.
• Work a flexible schedule including extended business hours, weekends, and holidays.
• Subject to daily service level requirements.
• Limited travel may be required to support business needs.
• Must be able to deal with stressful office conditions while troubleshooting problems.

• High School Diploma or equivalent required.
• Bachelor’s Degree preferred.
• 2-3 years of relevant experience 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.

Competitive pay and bonus eligibility. Base range: $61,000 - $116,000. Eligible for a performance-based incentive plan. Full-time employees eligible to participate in health benefits on day one of employment.

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

Flexible hybrid work environment with 2 days a week in office.

We are unable to consider candidates who require visa sponsorship for this position. This position is not open to agency submissions.