ACF Sr Credit Analyst I - Zone A

GM Financial•Raleigh, NC

13h•Hybrid

About The Position

The Senior Credit Analyst is responsible for researching and analyzing credit risks, assessing credit history, and approving or denying extension of credit to potential customers. This team member has contact with other company departments, as well as automobile dealers and other finance and credit sources.

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.
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 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.