Senior Credit Analyst

GM Financial

Senior Credit Analyst evaluating and managing credit risk for GM Financial by analyzing credit histories. Collaborating with dealers and internal teams to support lending decisions and maintain credit quality.

Posted 4/29/2026full-timeLynnwood • Washington • 🇺🇸 United StatesSeniorWebsite

About the role

Key responsibilities & impact

**In this role you will:** The Senior Credit Analyst is responsible for researching and analyzing credit risks, assessing credit history, and approving or denying extension of credit to potential customers. This team member has contact with other company departments, as well as automobile dealers and other finance and credit sources.
- 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

**What makes You an ideal candidate?**
- Strong understanding of the consumer finance and banking landscape, including retail automobile financing and indirect lending models.
- Comprehensive knowledge of state and federal regulations, consumer credit laws, and compliance requirements.
- Familiarity with motor vehicle retail installment contracts, credit underwriting, and funding processes.
- Solid understanding of company credit policies, sales processes, and dealer financing operations.
- Proven ability to analyze credit risk, identify issues, and develop effective solutions.
- Demonstrated skills in customer relations, negotiation, and dealer relationship management.
- Ability to professionally represent GM Financial with internal partners and external customers.
- Strong verbal, written, and presentation communication skills.
- Innovative, strategic thinker with a commitment to continuous improvement.
- Highly effective in a fast‑paced, high‑pressure environment, with strong multitasking and decision‑making capabilities.
- Detail‑oriented with a strong work ethic and focus on service quality.
- Ability to meet daily service‑level requirements and adapt to business demands.
- Willingness to work a flexible schedule, including extended hours when necessary.
- Ability to manage stressful office conditions while troubleshooting complex issues.
- Limited travel may be required to support business needs.
** Experience**
- High School Diploma or equivalent required
- 2-3 years of underwriting/sales in the automotive industry preferred.

Benefits

Comp & perks

**What We Offer**: 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 and nine company holidays.

ATS Keywords

✓ Tailor your resume

Applicant Tracking System Keywords

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

Hard Skills & Tools

credit analysiscredit risk assessmentcredit underwritingautomotive finance contractsconsumer credit lawscompliance requirementsdealer financing operationssales processesdecision-makingmultitasking

Soft Skills

customer relationsnegotiationdealer relationship managementverbal communicationwritten communicationpresentation skillsstrategic thinkingcontinuous improvementdetail-orientedwork ethic

Certifications

High School Diploma