Commercial Credit Analyst II - Underwriting

GM Financial•Irving, TX

2d•Hybrid

About The Position

The Commercial Credit Analyst II - Underwriting completes financial analysis for floorplan acquisitions, loan proposals and renewals/modifications of existing credit lines. This includes analysis of automotive dealerships financial statements, accurate reporting of findings, ensuring corporate compliance and risk management, as well as contact with dealership personnel and communication with internal/external stakeholders. Provides appropriate recommendations and supporting documentation and mitigate risk. In this role you will: Accurately analyze financial statements of automotive dealerships and affiliates including fixed charged coverage ratio, bank reconciliation, assigning accurate risk ratings and provide appropriate recommendations to mitigate risk Interfacing with customers and internal/external stakeholders to obtain data to complete analysis Prepare accurate and concise proposals/modifications for credit committee approval

Requirements

Advanced knowledge of credit underwriting
Extensive knowledge of accounting, financial statement analysis, cash flow and dealer workout
Knowledge of dealership, fleet/commercial and indirect auto finance industry operations
Knowledge of Microsoft Office
Knowledge of reporting and analytics
Knowledge of Salesforce.com
Understanding of commercial lending with emphasis in captive automotive dealership financing
Understanding of dealer operations
Ability to interface with all levels of management
Ability to make sound business decisions based on policies and procedures
Able to meet deadlines
Customer service skills
Detailed oriented and capable of managing multiple opportunities simultaneously
Excellent analytical skills
Excellent oral/written communication and interpersonal skills
Must be self-motivated and able to work independently
Working effectively within an AI enabled environment
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
3-5 years of directly related experience in financial analysis and experience in automotive dealership commercial lending environment
High School Diploma
Associate Degree
Bachelor’s Degree in Accounting, Finance or in related field or equivalent work experience Required
Master’s Degree

Responsibilities

Accurately analyze financial statements of automotive dealerships and affiliates including fixed charged coverage ratio, bank reconciliation, assigning accurate risk ratings and provide appropriate recommendations to mitigate risk
Interfacing with customers and internal/external stakeholders to obtain data to complete analysis
Prepare accurate and concise proposals/modifications for credit committee approval