GMF Sr Credit Analyst I - Zone A

GM Financial•Sugar Land, TX

30d•Hybrid

About The Position

This role is responsible for evaluating credit applications, assessing risk, and making lending decisions while ensuring compliance with company policies and regulatory requirements. The position also focuses on building strong dealer relationships, supporting portfolio growth and profitability, maintaining service levels, and collaborating with internal teams to deliver an excellent dealer experience.

Requirements

Knowledge of sales, credit and funding processes in consumer finance
Knowledge of motor vehicle retail installment documentation
Knowledge of the Company’s credit policies
Working knowledge of consumer credit, credit laws and regulations
Knowledge of the retail automobile finance industry
Knowledge of indirect retail auto financing
Knowledge of State and Federal regulatory requirements
Knowledge consumer finance and banking environment
Strong work ethic
Strong analytical and problem solving skills
Effective communication skills including verbal, written and presentation
Excellent credit underwriting skills
Superior customer relations skills
Sales skills necessary to develop and maintain productive dealer relationships
Negotiation skills
Ability to work under pressure and make decisions in a fast-paced environment
Ability to professionally represent GM Financial
Ability to multi-task
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
High School Diploma or equivalent required

Nice To Haves

2-3 years of relevant experience preferred
Bachelor’s Degree in related field 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 GM Financial profitability criteria for pricing and performance
Ensure compliance with applicable policies and procedures
Ensure branch office cooperation with other departments to maximize efficiency within the company
Ensure all queues are worked to acceptable service levels
Perform outbound telemarketing calls to the dealer customer
Conduct joint dealer calls with Dealer Account Representative (DAR) on an as needed basis
Ensure proper documentation is received on all deals