ACF Sr Credit Analyst I

Responsibilities

• 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 Americredit/GM Financial profitability criteria for pricing and performance
• Ensure branch office cooperation with other departments to maximize efficiency within the company
• Conduct joint dealer calls with Dealer Relationship Manager (DRM) on an as needed basis
• Perform outbound telemarketing calls to the dealer customer
• Establish and track monthly goals for assigned dealers
• Ensure proper documentation is received on all deals

Qualifications

• Knowledge consumer finance and banking environment
• Knowledge of State and Federal regulatory requirements
• Knowledge of indirect retail auto financing
• Knowledge of motor vehicle retail installment documentation
• Knowledge of sales, credit, and funding processes in consumer finance
• Knowledge of the Company’s credit policies
• Knowledge of the retail automobile finance industry
• Working knowledge of consumer credit, credit laws, and regulations
• Able to multi-task
• Ability to professionally represent GM Financial
• Ability to work under pressure and make decisions in a fast-paced environment
• Credit underwriting skills
• Customer relations skills
• Display commitment to continuous improvement of business
• Effective communication skills including verbal, written, and presentation
• Innovative thinker with strong ability for strategic vision
• Negotiation skills
• Sales skills necessary to develop and maintain productive dealer relationships
• Strong analytical and problem solving skills
• Strong work ethic

Education & Work Experience

• High School Diploma or equivalent required
• 2-3 years of underwriting/sales in the automotive industry preferred

Additional Knowledge And Skills

• Working effectively within an AI enabled environment
• Ability to use AI tools (e.g., Microsoft Copilot) to support daily work
• 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

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.

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.