ACF Sr Credit Analyst I - Zone A

Job Description 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. Responsibilities About the Role The ACF Sr. Credit Analyst I evaluates credit applications and dealer financing opportunities to assess risk and make sound credit decisions within established lending authority. This role partners with dealers and internal teams to support portfolio growth, maintain credit quality, and ensure contract profitability while managing dealer relationships, analyzing financial information, monitoring performance goals, and ensuring accurate and timely processing of credit transactions. In This Role You Will Analyze credit data to determine the degree of risk involved in extending creditMake decisions to approve or deny the extension of credit within set credit authority established by senior management and State/Federal lawsDevelop sufficient dealer relationships that ensure volume objectives and credit qualityCapture automotive finance contracts that meet Americredit/GM Financial profitability criteria for pricing and performanceEnsure branch office cooperation with other departments to maximize efficiency within the companyEnsure all queues are worked to acceptable service levelsConduct joint dealer calls with Dealer Relationship Manager (DRM) on an as needed basisPerform outbound telemarketing calls to the dealer customerEstablish and track monthly goals for assigned dealersEnsure proper documentation is received on all deals Qualifications What makes You an ideal candidate? Knowledge consumer finance and banking environmentKnowledge of State and Federal regulatory requirementsKnowledge of indirect retail auto financingKnowledge of motor vehicle retail installment documentationKnowledge of sales, credit, and funding processes in consumer financeKnowledge of the Company’s credit policiesKnowledge of the retail automobile finance industryWorking knowledge of consumer credit, credit laws, and regulationsAbility to professionally represent GM FinancialAbility to work under pressure and make decisions in a fast-paced environmentDisplay commitment to continuous improvement of businessEffective communication skills including verbal, written, and presentationInnovative thinker with strong ability for strategic visionSales skills necessary to develop and maintain productive dealer relationships Additional Knowledge And Skills Working effectively within an AI enabled environment: Ability to use AI tools (e.g., Microsoft Copilot) to support daily workSkills in evaluating AI outputs for accuracy, compliance, and biasExperience integrating AI into workflows to improve efficiency or insightsFamiliarity with AI assisted research, summarization, and content generationUnderstanding of responsible AI use, including ethics and data protection Working conditions Fast-paced office environment.Strong focus on providing quality service to internal and external customers.Flexible schedule with possibility of working long hours.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. Work Experience 2-3 years of underwriting/sales in the automotive industry preferredHigh School Diploma or equivalent required 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 #GMFJobs