Credit Manager

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.

• Analyze, evaluate, and approve/decline credit applications within authorized lending limits and company policies.
• Review complex, exception, and escalated credit requests, providing recommendations to senior management when required.
• Communicate credit decisions, terms, and conditions to dealers through portals or by phone.
• Handle dealer and customer complaints, credit decision appeals, and escalations within authorized parameters.
• Serve as the primary resource for analysts on complex credit decisions and provide daily coaching and guidance.
• Train, mentor, and monitor new analysts, providing ongoing support and performance feedback.
• Assist with team scheduling, vacation coordination, staffing coverage, and performance management activities.
• Prepare credit, dealer, market, and regional analyses to support business performance.
• Participate in system enhancements, process improvements, and special projects.
• Attend dealer meetings to provide credit expertise and gather feedback on products and programs.
• Support recruitment, hiring, and development of team members.
• Recommend policy and procedure improvements and stay current on industry trends, products, and competitive practices.

What makes You an ideal candidate?

• Knowledge of basic lending principles.
• Knowledge and understanding of basic credit bureau reports.
• Knowledge and understanding of detailed financial statement and ratio analysis.
• Knowledge of standard office software.
• Automotive lending and/or leasing experience would be considered a definite asset.
• Written and oral English is a must, bilingual French is required.
• Excellent report writing and communication skills (written and verbal).
• Excellent Communication and interpersonal skills.
• Successful Candidate must be able to work in a fast paced, high pressure environment.
• The successful candidate must be detailed oriented, open to change, be able to work independently, be a team player, and organized.
• Requires strong analytical and problem-solving skills with the ability to underwrite loans and mitigate risk.
• Requires the ability to successfully negotiate business transactions with automotive dealers.

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

• Secondary School
• Bachelors degree in related field preferred
• Minimum three years of previous credit analysis experience.

What We Offer

• Excellent Health, Vision and Dental Benefits.
• Company Match program for RRSP contributions
• Generous Paid Time Off (personal, vacation, sick, paid holidays)
• Dynamic relationships between teams and leadership
• Quarterly Volunteer Opportunities
• Hybrid work schedule offered; ability to work a portion of your week from home

Our Culture: Our team members define and shape our culture — an environment that welcomes innovative ideas, fosters integrity, and creates a sense of community and belonging. Here we do more than work — we thrive.

Work Life Balance: Flexible hybrid work environment

This posting is for a vacancy.  

The base range for this role is: $63,500-$106,000

At GM Financial, we strive for transparency in all aspects of our business, including pay equity. This is the GM Financial pay range for this role and job level. The exact salary and compensation will vary based on factors like knowledge, skills, experience, and education.  

This role is eligible to participate in a performance-based incentive plan. Full time employees are eligible to participate in health benefits after 30 days of employment.

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