Commercial Credit Analyst II - Underwriting

GM Financial•Irving, TX

1d•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 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.

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
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
Pref 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