GMF Sr Credit Analyst I - Zone A

GM Financial•Raleigh, NC

2d•Hybrid

About The Position

Why GM Financial? GM Financial is the wholly owned captive finance subsidiary of General Motors and is headquartered in Fort Worth, U.S. We are a global provider of auto finance solutions, with operations in North America, South America, and the Asia Pacific region. Through our long-standing relationships with auto dealers, we offer attractive retail financing and lease programs to meet the needs of each customer. We also offer commercial lending products to dealers to help them finance and grow their businesses. At GM Financial, our team members define and shape our culture — an environment that welcomes new ideas, fosters integrity, and creates a sense of community and belonging. Here we do more than work — we thrive. Our Purpose: We pioneer the innovations that move and connect people to what matters. This position will be posted until filled.

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
High School Diploma or equivalent required
2-3 years of relevant experience preferred

Nice To Haves

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