Commercial Credit Analyst I - Commercial Vehicle Lending

GM Financial • Arlington, TX

2d • Hybrid

About The Position

You as The Commercial Credit Analyst are responsible for researching and analyzing credit risks, assessing credit history and approving or denying extension of credit to potential commercial customers. You will develops and maintain positive business relationships with dealers, field sales staff and supporting departments within GM Financial, and renders appropriate credit decisions for commercial financing requests. In this role you will: Analyze commercial credit applications to determine the degree of risk involved in extending credit and make prudent business decisions to approve or deny the extension of credit within established credit authority Analysis of financial statements, collateral, debt service, personal financial statements and personal cash flow, as applicable to the size and complexity of the commercial transaction Develop and maintain business relationships with dealership personnel that ensure volume objectives and credit quality while maintaining acceptable service levels Effectively maintain consistent purchase policy based on dealer support, portfolio liquidation, and management direction Perform outbound calls to GM dealer body in an effort to educate on GM Financial Commercial products to increase and establish captive relationship

Requirements

• Ability to interface with all levels of management and meet deadlines
• Ability to make sound business decisions based on policies and procedures
• Detailed oriented and capable of managing multiple opportunities simultaneously
• Excellent customer service skills and must be self-motivated and able to work independently
• High School Diploma or equivalent required
• Bachelor’s Degree in Accounting, Finance or in related field preferred

Nice To Haves

• Knowledge of credit underwriting preferred
• Understanding of dealer operations preferred
• Previous automotive lending and/or credit buying experience preferred

Responsibilities

• Analyze commercial credit applications to determine the degree of risk involved in extending credit and make prudent business decisions to approve or deny the extension of credit within established credit authority
• Analysis of financial statements, collateral, debt service, personal financial statements and personal cash flow, as applicable to the size and complexity of the commercial transaction
• Develop and maintain business relationships with dealership personnel that ensure volume objectives and credit quality while maintaining acceptable service levels
• Effectively maintain consistent purchase policy based on dealer support, portfolio liquidation, and management direction
• Perform outbound calls to GM dealer body in an effort to educate on GM Financial Commercial products to increase and establish captive relationship

Benefits

• 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.
• Competitive pay and bonus eligibility
• Flexible hybrid work environment

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Number of Employees: 5,001-10,000 employees