ACF Sr Credit Analyst I - Zone A

GM Financial•San Antonio, TX

4d•Hybrid

About The Position

Why AmeriCredit? We've spent the past 30+ years creating a culture that's second to none in the auto finance industry. Other employers only talk about their culture, we actually live it every day. It's the primary reason that approximately 50% of our team members have been here for more than 5 years. Sure, we could mention that AmeriCredit is a division of GM Financial, the wholly-owned captive finance subsidiary of General Motors, a Fortune 50 company. That might be what attracts talent to our team but it's our culture that keeps them coming back. Our culture is what's driven AmeriCredit's success and what's allowed us to build strong, last relationships with our dealers and consumer customers that we serve. But mostly, our culture is what allows us to prioritize employee development, to create a diverse, equitable and inclusive environment and to enrich their professional experience where they can discover, thrive and belong. If you are looking for an environment that welcomes new ideas, fosters integrity and creates a sense of community and belonging, AmeriCredit just might be your dream employer. This position will be posted until filled.

Requirements

Knowledge 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 multi-task
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
Display commitment to continuous improvement of business
Effective communication skills including verbal, written, and presentation
Innovative thinker with strong ability for strategic vision
Negotiation skills
Sales skills necessary to develop and maintain productive dealer relationships
Strong analytical and problem solving skills
Strong work ethic
High School Diploma or equivalent required
2-3 years of underwriting/sales in the automotive industry preferred

Responsibilities

Analyze credit data to determine the degree of risk involved in extending credit
Make decisions to approve or deny the extension of credit within set credit authority established by senior management and State/Federal laws
Develop sufficient dealer relationships that ensure 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 efficiency within the company
Ensure all queues are worked to acceptable service levels
Conduct joint dealer calls with Dealer Relationship Manager (DRM) on an as needed basis
Perform outbound telemarketing calls to the dealer customer
Establish and track monthly goals for assigned dealers
Ensure proper documentation is received on all deals