Commercial Credit Analyst I - CVL

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

About the role:

The Commercial Credit Analyst is responsible for researching and analyzing credit risks, assessing credit history and approving or denying extension of credit to potential commercial customers. The Analyst develops and maintains positive business relationships with dealers, field sales staff and supporting departments within GM Financial, and renders appropriate credit decisions for commercial financing requests.

In this role you will: 

• Analyze commercial credit applications to determine the degree of risk involved in extending credit and make prudent business decisions to approve or deny the extension of credit within established credit authority.
• Some analysis of financial statements, collateral, debt service, personal financial statements and personal cash flow, as applicable to the size and complexity of the commercial transaction.
• Develop and maintain business relationships with dealership personnel that ensure volume objectives and credit quality.
• Effectively maintain consistent purchase policy based on dealer support, portfolio liquidation, and management direction.
• Perform outbound calls to GM dealer body in an effort to educate on GM Financial Commercial products to increase and establish captive relationship
• Develop and maintain basic knowledge of CVL plans, products and programs.
• Screen appropriate commercial parties to ensure GMF compliance with U.S Patriot Act
• Ensure all queues are worked to acceptable CVL service levels.
• Support internal and external sales as required to complement sales activities.

What makes You an ideal candidate? 

• Ability to handle high call and application volumes and manage competing demands
• Fast-paced office environment, subject to daily service level requirements
• Strong focus on providing quality service to internal and external customers
• May be required to work additional hours based on production demands requiring overtime
• Limited travel may be required to support business needs
• Knowledge of credit underwriting preferred
• Knowledge of dealership, fleet/commercial and indirect auto finance industry operations preferred
• Understanding of dealer operations preferred
• Basic understanding of accounting principles and credit bureaus
• Ability to interface with all levels of management.
• Ability to make sound business decisions based on policies and procedures.
• Able to meet deadlines.
• Knowledge of Microsoft Office (Word, Excel, PowerPoint
• Detailed oriented and capable of managing multiple opportunities simultaneously.
• Excellent customer service skills.
• Must be self-motivated and able to work independently
• Oral/written communication and interpersonal skills.

Additional Knowledge and Skills

• Working effectively within an AI enabled environment:  
• 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 

Work Experience & Education 

• Previous automotive lending and/or credit buying experience Pref
• High School Diploma or equivalent Required
• Associate Degree
• Bachelor’s Degree in Accounting, Finance or in related field Preferred
• Master’s Degree

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