Senior Credit Analyst I

GM Financial

Senior Credit Analyst evaluating and managing credit risk at GM Financial. Requires knowledge in consumer finance and a hybrid working environment with some office presence.

Posted 4/29/2026full-timeRaleigh • North Carolina • 🇺🇸 United StatesSeniorWebsite

About the role

Key responsibilities & impact

The Senior Credit Analyst evaluates and manages credit risk by reviewing credit histories and financial data to determine whether to approve or decline credit requests.
Collaborate closely with internal teams, automobile dealers, and external finance and credit partners.
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.

Requirements

What you’ll need

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 work under pressure and make decisions in a fast-paced environment
Credit underwriting skills and customer relations skills
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
Strong analytical and problem solving skills
High School Diploma or equivalent required
2-3 years of underwriting/sales in the automotive industry 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 risk evaluationcredit data analysiscredit underwritingautomotive finance contractsmotor vehicle retail installment documentationsales processesfunding processescredit policiesconsumer credit knowledgeregulatory compliance

Soft Skills

decision makingcustomer relationscommunicationstrategic thinkinganalytical skillsproblem solvingability to work under pressurecommitment to continuous improvementrelationship buildinggoal tracking

Certifications

High School Diploma or equivalent