Senior Credit Analyst
GM Financial
full-time
Posted on:
Location Type: Hybrid
Location: Raleigh • North Carolina • United States
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Job Level
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
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
- Bachelor’s Degree in related field 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 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