ACF Sr Credit Analyst I - Zone A

GM Financial•San Antonio, TX

9h•Hybrid

About The Position

The Senior Credit Analyst researches and analyzes credit risks, assesses credit history, and approves or denies extensions of credit to potential customers. The role involves contact with other company departments, automobile dealers, and other finance and credit sources. The analyst evaluates credit data, makes decisions within the credit authority established by senior management and applicable state and federal laws, and supports dealer relationships, contract volume, credit quality, and profitability. The position also works to maintain service levels, secure appropriate deal documentation, and coordinate with dealer relationship and internal teams.

Requirements

Knowledge of the 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.
Ability to work under pressure and make decisions in a fast-paced environment.
Credit underwriting skills.
Ability to use AI tools, such as Microsoft Copilot, to support daily work.
Skills in evaluating AI outputs for accuracy, compliance, and bias.
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.
High school diploma or equivalent required.

Nice To Haves

Two to three years of underwriting or sales experience in the automotive industry preferred.

Responsibilities

Analyze credit data to determine the degree of risk involved in extending credit.
Approve or deny extensions of credit within established credit authority and applicable state and federal laws.
Develop dealer relationships that support 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 company efficiency.
Ensure all queues are worked to acceptable service levels.
Conduct joint dealer calls with the Dealer Relationship Manager as needed.
Perform outbound telemarketing calls to dealer customers.
Establish and track monthly goals for assigned dealers.
Ensure proper documentation is received on all deals.