GM Financial

Senior Credit Analyst

GM Financial

full-time

Posted on:

Location Type: Hybrid

Location: Chandler • Arizona • United States

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Job Level

Senior

About the role

  • 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

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
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
  • nine company holidays
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
credit analysisautomotive finance contractsloan negotiationconsumer credit knowledgecredit laws and regulationsmotor vehicle retail installment documentationcredit policiesindirect retail auto financingconsumer finance processesbanking environment knowledge
Soft Skills
analytical skillsproblem solvingcustomer relationseffective communicationsales skillsnegotiation skillsrelationship developmentteam cooperationservice level managementpresentation skills
Certifications
High School DiplomaBachelor's Degree