Sr Credit Analyst

Why GM Financial?

GM Financial is the wholly owned captive finance subsidiary of General Motors. We are a global provider of auto finance solutions. 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. 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 are looking for people who want to embark on a career journey where you are satisfied at work, and you are using your skills to create a positive impact. Our goal is to create remarkable customer experiences from the moment you engage a customer. Even if you’ve never worked in customer service, you’ve certainly been a customer. At GM Financial, our collections team partners with customers to customize a payment plan through an engaging and unique service experience. If you consider yourself a team player, solutions-driven, a strong communicator and have a heart and mind for helping customers who need your help; apply to be a part of the GM Financial Team.

About the role:

The Sr. Credit Analyst will be responsible for researching, analyzing credit risks, assessing credit history and approving or denying extension of credit to potential customers (Consumer & Commercial). The analyst will have daily contact with other departments within the corporation, as well as automotive dealers and other finance sources. An employee in this position will be required to interact with clients and third parties who may only understand and communicate in English. This position also requires that the candidate be able to interact fluidly with colleagues in our offices across Canada and the United States, where English is the predominant language. As we evaluate that a significant percentage of the work required by this position is to be performed in English, the language requirements for this position are a high level of reading comprehension and writing as well as a beginner level of oral communication.

In this role you will:

• Analyze consumer and commercial credit applications using bureau data and financials to make prudent credit decisions within policy.
• Maintain and exceed underwriting standards, targets, and risk guidelines while ensuring full policy compliance.
• Assess creditworthiness and approve or recommend appropriate credit terms and limits; escalate exceptions with clear recommendations.
• Perform thorough due diligence to support accurate, timely credit decisions.
• Build and maintain strong dealer relationships through proactive telephone engagement and responsive support.
• Deliver excellent customer service in a fast‑paced team environment by meeting turnaround times and processing requests efficiently.
• Negotiate loan terms and conditions with dealers within established approval and exception guidelines.
• Interpret financial statements and apply credit and operational risk management strategies to balance risk and profitability.
• Provide high‑quality service across inbound and outbound interactions, collaborate with business units and leadership, and contribute to process improvements.

What makes you an ideal candidate?

• Strong understanding of fundamental lending principles and credit risk management.
• Knowledge and interpretation of consumer and commercial credit bureau reports.
• Proficient in detailed financial statement analysis, including ratio and cash‑flow assessment.
• Advanced analytical and problem‑solving skills to underwrite loans and mitigate risk effectively.
• Experience with automotive lending and leasing considered a strong asset.
• High proficiency in standard office software (e.g., Microsoft Office applications).
• Excellent written and verbal communication skills; strong report‑writing capability.
• Ability to negotiate business transactions effectively with automotive dealers.
• Detail‑oriented, adaptable, organized, and able to perform independently and collaboratively in a fast‑paced, high‑pressure environment; bilingual English required, French preferred.

Experience & Education

• Minimum of 2 years automotive direct lending experience is required.
• Minimum education of a College or University business diploma or equivalent 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)
• Casual Dress Code - Dynamic relationships between teams and leadership
• Quarterly Volunteer Opportunities
• Hybrid work schedule offered; ability to work a portion of your week from home

This posting is for a backfill. The base range for this role is: $63,500- $113,500

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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