ACF Sr Credit Analyst I - Zone A

GM Financial•Raleigh, NC

18d•Hybrid

About The Position

The ACF Sr. Credit Analyst I evaluates credit applications and dealer financing opportunities to assess risk and make sound credit decisions within established lending authority. This role partners with dealers and internal teams to support portfolio growth, maintain credit quality, and ensure contract profitability while managing dealer relationships, analyzing financial information, monitoring performance goals, and ensuring accurate and timely processing of credit transactions.

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 professionally represent GM Financial
Ability to work under pressure and make decisions in a fast-paced environment
Display commitment to continuous improvement of business
Effective communication skills including verbal, written, and presentation
Innovative thinker with strong ability for strategic vision
Sales skills necessary to develop and maintain productive dealer relationships
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
2-3 years of underwriting/sales in the automotive industry preferred
High School Diploma or equivalent required

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