Commercial Account Manager II - CLS

GM Financial•Irving, TX

2d•Hybrid

About The Position

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. This position will be posted until filled. About the role: The Commercial Account Manager II / Senior Commercial Account Manager - Commercial Lending Services (CLS) drives commercial lending growth while managing portfolio risk for automotive dealership customers. This role identifies financing opportunities, structures and supports commercial loan facilities including inventory financing, real estate loans, term loans, and revolving lines of credit, and conducts financial and credit analysis to assess dealership performance and recommend risk mitigation strategies. Serving as a key liaison between dealership customers, field sales teams, and internal stakeholders, the position supports new business development, monitors portfolio health, and provides recommendations to senior leadership that balance customer needs with sound risk management and portfolio performance objectives. The position may be offered at the Commercial Account Manager II or Senior Commercial Account Manager level based on the selected candidate's relevant experience, qualifications, demonstrated scope of responsibility, and current time in role, consistent with company requirements.

Requirements

Strong knowledge of accounting, financial statement analysis, cash flow analysis, and credit fundamentals.
Understanding of commercial lending with emphasis on captive automotive dealership financing.
Knowledge of dealership operations and the automotive finance industry.
Knowledge of credit underwriting principles.
Proficiency in Microsoft Office applications.
Experience using Salesforce.com.
Strong analytical, problem-solving, and decision-making capabilities.
Excellent oral and written communication skills.
Strong interpersonal and relationship management skills.
Ability to interface effectively with all levels of management and external business partners.
Strong project management and organizational skills.
Detail-oriented with the ability to manage multiple priorities simultaneously.
Strong focus on delivering quality service to internal and external customers.
Self-motivated and capable of working independently.
Ability to adapt quickly in a fast-paced environment and consistently meet deadlines.
Strong customer service focus and commitment to operational excellence.
Ability to use AI tools (e.g., 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
Bachelor's Degree in Accounting, Finance, Business, or a related field; or equivalent work experience required.
Commercial Account Manager II: 2-4 years of experience in commercial lending, credit analysis, financial analysis, or a related banking/finance field preferred.
Senior Commercial Account Manager: 5-7 years of experience in commercial lending, credit analysis, financial analysis, or a related banking/finance field preferred.

Responsibilities

Drive commercial lending growth by developing and managing dealership relationships, identifying financing opportunities, structuring and negotiating lending solutions, and serving as a trusted advisor throughout the credit lifecycle.
Analyze dealership financial performance, cash flow, debt capacity, inventory audits, and other risk indicators to evaluate creditworthiness, support underwriting decisions, and recommend financing structures.
Manage and monitor a portfolio of dealer customers through ongoing financial reviews, risk assessments, risk rating administration, and implementation of corrective actions to mitigate credit exposure.
Prepare and present credit analyses, portfolio reviews, risk assessments, and financing recommendations to senior management, supporting informed lending decisions.
Collaborate with dealership personnel, internal business partners, and stakeholders to gather information, facilitate loan processing, manage customer expectations, and deliver exceptional service.
Ensure compliance with commercial lending policies, procedures, and regulatory standards while supporting audits, strategic initiatives, and continuous process improvement efforts.
Seek opportunities to improve departmental efficiency and effectiveness.
Facilitate regular, productive account reviews with CLS leadership, risk, and sales teams.
Effectively communicate dealer risk, emerging concerns, and competitive threats to CLS leadership.
Perform other duties as assigned.