Commercial Account Manager II - CLS

GM Financial•Irving, TX

1d•Hybrid

About The Position

GM Financial is the wholly owned captive finance subsidiary of General Motors and a global provider of auto finance solutions. The Commercial Account Manager II / Senior Commercial Account Manager role in Commercial Lending Services (CLS) drives commercial lending growth while managing portfolio risk for automotive dealership customers. The selected candidate may be placed at either level based on relevant experience, qualifications, demonstrated scope of responsibility, and current time in role, consistent with company requirements. The role identifies financing opportunities and structures and supports commercial loan facilities, including inventory financing, real estate loans, term loans, and revolving lines of credit. It conducts financial and credit analysis to assess dealership performance and recommend risk mitigation strategies. As a key liaison among dealership customers, field sales teams, and internal stakeholders, the position supports business development, monitors portfolio health, and provides recommendations to senior leadership that balance customer needs with risk management and portfolio performance objectives. The position works in a flexible hybrid environment with opportunities for remote work and three days a week in the office. The department is fast-paced, with changing priorities and production demands. Occasional overtime and limited travel may be required based on business needs. The role requires managing multiple priorities and working under pressure while maintaining accuracy and service. The position is not open to candidates who require visa sponsorship, and agency submissions are not accepted.

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, including the ability to interface effectively with all levels of management and external business partners.
Strong project management and organizational skills; detail-oriented and able to manage multiple priorities simultaneously.
Focus on delivering quality service to internal and external customers; self-motivated and able to work 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 such as Microsoft Copilot to support daily work and evaluate AI outputs for accuracy, compliance, and bias.
Ability to integrate 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.
For Commercial Account Manager II: 2–4 years of experience in commercial lending, credit analysis, financial analysis, or a related banking/finance field is preferred.
For Senior Commercial Account Manager: 5–7 years of experience in commercial lending, credit analysis, financial analysis, or a related banking/finance field is preferred.

Nice To Haves

Experience using AI tools such as Microsoft Copilot, evaluating AI outputs, integrating AI into workflows, and using AI-assisted research, summarization, or content generation.
For Commercial Account Manager II: 2–4 years of experience in commercial lending, credit analysis, financial analysis, or a related banking/finance field.
For Senior Commercial Account Manager: 5–7 years of experience in commercial lending, credit analysis, financial analysis, or a related banking/finance field.

Responsibilities

Develop and manage dealership relationships, identify financing opportunities, structure and negotiate lending solutions, and serve 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 corrective actions to mitigate credit exposure.
Prepare and present credit analyses, portfolio reviews, risk assessments, and financing recommendations to senior management.
Collaborate with dealership personnel, internal business partners, and stakeholders to gather information, facilitate loan processing, manage customer expectations, and deliver service.
Ensure compliance with commercial lending policies, procedures, and regulatory standards while supporting audits, strategic initiatives, and continuous process improvement.
Seek opportunities to improve departmental efficiency and effectiveness.
Facilitate regular, productive account reviews with CLS leadership, risk, and sales teams.
Communicate dealer risk, emerging concerns, and competitive threats to CLS leadership.
Perform other duties as assigned.