Sr Credit Analyst I

GM Financial • Orlando, FL

10d • Hybrid

About The Position

The Senior Credit Analyst I 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. In addition, the Senior Credit Analyst will manage relationships and negotiate with automobile dealers, administer inbound applications and phone calls, and adhere to State and Federal regulations and compliance standards.

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 analytical and problem solving skills
• Superior customer relations skills
• Effective communication skills including verbal, written, and presentation
• Sales skills necessary to develop and maintain productive dealer relationships
• Negotiation skills
• High School Diploma or equivalent required, Bachelor’s Degree preferred
• 2-3 years of relevant experience 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
• Negotiate loan terms
• Communicate clearly and effectively with a wide variety of internal and external people, both in formal and informal circumstances, and where necessary to gain their agreement and acceptance

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.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: High school or GED
• Number of Employees: 5,001-10,000 employees