Senior Credit Analyst I – Zone A

GM Financial

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

Posted 5/12/2026full-timeSan Antonio • Texas • 🇺🇸 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 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 multi-task
Ability to professionally represent GM Financial
Ability to work under pressure and make decisions in a fast-paced environment
Credit underwriting skills
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
Negotiation skills
Sales skills necessary to develop and maintain productive dealer relationships
Strong analytical and problem solving skills
Strong work ethic
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 underwritingconsumer financeindirect retail auto financingmotor vehicle retail installment documentationsales processescredit processesfunding processescredit policiescredit lawsregulations

Soft Skills

multi-taskingprofessional representationdecision makingcustomer relationscontinuous improvementeffective communicationstrategic visionnegotiationsales skillsanalytical problem solving

Certifications

High School Diploma or equivalent