ACF Sr Credit Analyst I - Zone A

GM Financial•Cincinnati, OH

2d•Hybrid

About The Position

GM Financial is the wholly owned captive finance subsidiary of General Motors, headquartered in Fort Worth, Texas, and a global provider of auto finance solutions. The Senior Credit Analyst researches and analyzes credit risks, assesses credit history, and approves or denies credit extensions to potential customers. The role involves contact with other company departments, automobile dealers, and other finance and credit sources. The analyst evaluates credit data and makes decisions within credit authority established by senior management and applicable state and federal laws. The role also supports dealer relationships, captures automotive finance contracts that meet company profitability criteria, coordinates with other departments to maintain efficiency and service levels, and ensures that deal documentation is complete. The position is offered in a flexible hybrid environment, with two days per week in the office.

Requirements

High school diploma or equivalent required.
Knowledge of consumer finance and the banking environment.
Knowledge of state and federal regulatory requirements.
Knowledge of indirect retail auto financing and motor vehicle retail installment documentation.
Knowledge of sales, credit, and funding processes in consumer finance.
Knowledge of company credit policies and the retail automobile finance industry.
Working knowledge of consumer credit, credit laws, and regulations.
Ability to multitask, work under pressure, and make decisions in a fast-paced environment.
Credit underwriting and customer relations skills.
Ability to professionally represent GM Financial and demonstrate commitment to continuous business improvement.
Effective verbal, written, and presentation communication skills.
Innovative thinking and strategic vision.
Negotiation and sales skills to develop and maintain productive dealer relationships.
Strong analytical and problem-solving skills and a strong work ethic.
Ability to use AI tools such as Microsoft Copilot to support daily work and evaluate 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; and understanding of responsible AI use, including ethics and data protection.

Nice To Haves

2–3 years of underwriting or sales experience in the automotive industry preferred.

Responsibilities

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