ACF Sr Credit Analyst I - Zone A

GM Financial•West Chester Township, OH

3d•Hybrid

About The Position

The Senior Credit Analyst researches and analyzes credit risks, assesses credit history, and approves or denies extensions of credit to potential customers. The role involves contact with other company departments, automobile dealers, and other finance and credit sources. The analyst works within credit authority established by senior management and applicable state and federal laws, while supporting dealer relationships, profitability, service levels, and proper deal documentation. The position offers a flexible hybrid work environment, with two days a week in the office. It is posted until filled. Candidates who require visa sponsorship cannot be considered, and agency submissions are not accepted.

Requirements

High school diploma or equivalent required.
Knowledge of the consumer finance and banking environment.
Knowledge of state and federal regulatory requirements.
Knowledge of indirect retail auto financing.
Knowledge of motor vehicle retail installment documentation.
Knowledge of sales, credit, and funding processes in consumer finance.
Knowledge of company credit policies.
Knowledge of the retail automobile finance industry.
Working knowledge of consumer credit, credit laws, and regulations.
Ability to multitask.
Ability to professionally represent GM Financial.
Ability to work under pressure and make decisions in a fast-paced environment.
Credit underwriting skills.
Customer relations skills.
Commitment to continuous improvement of the business.
Effective verbal, written, and presentation communication skills.
Innovative thinking and strong strategic vision.
Negotiation skills.
Sales skills to develop and maintain productive dealer relationships.
Strong analytical and problem-solving skills.
Strong work ethic.

Nice To Haves

Two to three years of underwriting or sales experience in the automotive industry preferred.

Responsibilities

Analyze credit data to determine the degree of risk involved in extending credit.
Approve or deny extensions of credit within established credit authority and applicable state and federal laws.
Develop dealer relationships that support volume objectives and credit quality.
Capture automotive finance contracts that meet Americredit/GM Financial profitability criteria for pricing and performance.
Coordinate branch office cooperation with other departments to maximize efficiency.
Work all queues to acceptable service levels.
Conduct joint dealer calls with the Dealer Relationship Manager as needed.
Perform outbound telemarketing calls to dealer customers.
Establish and track monthly goals for assigned dealers.
Ensure proper documentation is received for all deals.