Sr Credit Analyst I

GM Financial•Raleigh, NC

7d•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

Requirements

Strong knowledge of consumer finance, credit, funding, and indirect auto financing
Thorough understanding of motor vehicle retail installment documentation and company credit policies
Working knowledge of consumer credit laws, and state and federal regulatory requirements
Familiarity with the retail automobile finance and banking environment
Excellent credit underwriting, analytical, and problem-solving skills
Strong sales, negotiation, and dealer relationship management skills
Effective verbal, written, and presentation communication skills
Ability to multi-task, work under pressure, and make sound decisions in a fast-paced environment
Professional representation of GM Financial with a strong work ethic and customer focus
2-3 years of relevant experience preferred
High School Diploma or equivalent required

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

Benefits

Generous benefits package available on day one to include: 401K matching, bonding leave for new parents (12 weeks, 100% paid), tuition assistance, training, GM employee auto discount, community service pay and nine company holidays.
Competitive pay and bonus eligibility.
Flexible hybrid work environment, 2-days a week in office.

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