Gmf Sr Credit Analyst I

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:

In this role, you will analyze credit applications and financial data to assess risk and make lending decisions that support portfolio growth while maintaining credit quality and compliance. You will partner with automotive dealers, build strong business relationships, and help drive profitability by capturing quality finance contracts and delivering exceptional service.

In this role you will:

• 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 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 the dealer customer
• Conduct joint dealer calls with Dealer Account Representative (DAR) on an as needed basis.
• Ensure proper documentation is received on all deals

What makes You an ideal candidate?

• Knowledge of sales, credit and funding processes in consumer finance.
• Knowledge of motor vehicle retail installment documentation.
• Knowledge of State and Federal regulatory requirements.
• 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 consumer finance and banking environment.Strong work ethic.
• Strong analytical and problem solving skills.
• Excellent credit underwriting 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.

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 

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

What We Offer: Generous benefits package available on day one to include: 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.

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.

Compensation: Competitive pay and bonus eligibility.

Work Life Balance: Flexible hybrid work environment, 2-days a week in office.

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

This position is not open to agency submissions

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