GMF Sr Credit Analyst I - Zone A

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Job description

Overview:
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 Senior Credit Analyst is responsible for researching and analyzing credit risks, assessing credit history and approving or denying extension of credit to potential customers. This team member has contact with other company departments, as well as automobile dealers, and other finance and credit sources. In addition, the Senior Credit Analyst will manage relationships and negotiate with automobile dealers, administer inbound applications and phone calls, and adhere to State and Federal regulations and compliance standards.

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

Negotiate loan terms

Communicate clearly and effectively with a wide variety of internal and external people, both in formal and informal circumstances, and where necessary to gain their agreement and acceptance

Qualifications:
What Makes You a Dream Candidate?

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 consumer finance and banking environment

Strong analytical and problem solving 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

Experience

High School Diploma or equivalent required

Bachelor's Degree preferred

2-3 years of relevant experience preferred

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

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