ACF Sr Credit Analyst I - Zone A

GM Financial•Raleigh, NC

5d•Hybrid

About The Position

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. The role partners with dealers and internal teams to support portfolio growth, maintain credit quality, and ensure contract profitability. Responsibilities include managing dealer relationships, analyzing financial information, monitoring performance goals, and ensuring accurate and timely processing of credit transactions. The position works in a fast-paced office environment, focuses on quality service to internal and external customers, is subject to daily service-level requirements, and may require limited travel. The schedule is flexible, with the possibility of long hours, and the employee must be able to handle stressful office conditions while troubleshooting problems.

Requirements

High school diploma or equivalent.
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 company credit policies.
Knowledge of the retail automobile finance industry.
Working knowledge of consumer credit, credit laws, and regulations.
Ability to professionally represent GM Financial.
Ability to work under pressure and make decisions in a fast-paced environment.
Commitment to continuous improvement of the business.
Effective verbal, written, and presentation communication skills.
Innovative thinking and ability to develop strategic vision.
Sales skills to develop and maintain productive dealer relationships.
Ability to use AI tools, such as Microsoft Copilot, in daily work.
Ability to evaluate 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.

Nice To Haves

2–3 years of underwriting or sales experience in the automotive industry.

Responsibilities

Analyze credit data to determine the risk involved in extending credit.
Approve or deny credit within the authority established by senior management 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.
Promote cooperation between the branch office and 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 for all deals.