Senior Credit Analyst

GM Financial

. Analyze credit data to determine the degree of risk involved in extending credit .

Posted 3/25/2026full-timeRaleigh • North Carolina • 🇺🇸 United StatesSeniorWebsite

About the role

Key responsibilities & impact

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

Requirements

What you’ll need

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
Bachelor’s Degree in related field preferred

Benefits

Comp & perks

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

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

credit analysiscredit underwritingconsumer financeindirect auto financingmotor vehicle retail installment documentationconsumer credit lawsregulatory complianceanalytical skillsproblem-solving skillssales negotiation

Soft Skills

dealer relationship managementverbal communicationwritten communicationpresentation skillsmulti-taskingdecision-makingwork under pressurecustomer focusprofessional representationstrong work ethic

Certifications

High School DiplomaBachelor’s Degree