ACF Sr Credit Analyst I - Zone C

GM Financial • Lynnwood, WA

4d • $61,000 - $116,000 • Hybrid

About The Position

The Senior Credit Analyst researches and analyzes credit risks, assesses credit histories, and approves or denies extensions of credit to potential customers. The role works with other company departments, automobile dealers, and other finance and credit sources. It involves evaluating credit data and making decisions within credit authority established by senior management and applicable state and federal laws, while supporting dealer relationships, credit quality, profitability, and service levels.

The position works in a fast-paced office environment with a strong focus on quality service for internal and external customers. It has a flexible schedule with the possibility of long hours, is subject to daily service-level requirements, and may require limited travel to support business needs. The employee must be able to manage stressful office conditions while troubleshooting problems. The role has a flexible hybrid work arrangement, with two days per week in the office.

Requirements

• High school diploma or equivalent.
• 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 the company's 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.
• Ability to use AI tools, such as Microsoft Copilot, to support daily work.
• Skill 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.

Nice To Haves

• 2–3 years of underwriting or sales experience in the automotive industry.
• Associate degree.
• Bachelor’s degree.
• Master’s degree.

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.
• 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.
• Perform outbound telemarketing calls to dealer customers.
• Establish and track monthly goals for assigned dealers.
• Ensure proper documentation is received for all deals.

Benefits

• 401(k) matching.
• Bonding leave for new parents: 12 weeks, 100% paid.
• Tuition assistance.
• Training.
• GM employee auto discount.
• Community service pay.
• Nine company holidays.
• Performance-based incentive plan eligibility.
• Health benefits available to full-time employees on the first day of employment.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: High school or GED