GMF Sr Credit Analyst I - Zone A

About the role

The Senior Credit Analyst researches and analyzes credit risks, assesses credit history, and approves or denies extension of credit to potential customers. This role involves collaboration with other company departments, automobile dealers, and finance and credit sources. The Senior Credit Analyst manages relationships, negotiates with dealers, administers inbound applications and calls, and ensures compliance with State and Federal regulations.

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 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

Qualifications

• Knowledge of sales, credit, and funding processes in consumer finance
• Knowledge of motor vehicle retail installment documentation
• 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 of State and Federal regulatory requirements
• Knowledge of the consumer finance and banking environment

Skills

• Strong work ethic
• Strong analytical and problem-solving skills
• Effective communication skills including verbal, written, and presentation
• Excellent credit underwriting skills
• Superior customer relations skills
• 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

Work Experience

2-3 years of relevant experience preferred

Education

High School Diploma or equivalent required
Bachelor’s Degree in related field preferred