Senior Credit Analyst I – Zone C

GM Financial

Senior Credit Analyst evaluating credit risk at GM Financial. Responsibilities include approving credit applications and managing relationships with automobile dealers and other finance sources.

Posted 6/11/2026full-timeSeattle • Washington • 🇺🇸 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.
Negotiate loan terms.
Communicate clearly and effectively with a wide variety of internal and external people, both in formal and informal circumstances, and where necessary to gain their agreement and acceptance.

Requirements

What you’ll need

Knowledge of sales, credit and funding processes in consumer finance.
Knowledge of motor vehicle retail installment documentation.
Knowledge of the Company’s credit policies.
Working knowledge of consumer credit, credit laws and regulations.
Knowledge of the retail automobile finance industry.
Knowledge of indirect retail auto financing.
Knowledge of State and Federal regulatory requirements.
Knowledge consumer finance and banking environment.
Strong work ethic.
Strong analytical and problem solving skills.
Superior customer relations skills.
Effective communication skills including verbal, written, and presentation.
Sales skills necessary to develop and maintain productive dealer relationships.
Negotiation skills.
Ability to work under pressure and make decisions in a fast-paced environment.
Ability to professionally represent GM Financial.
Ability to multi-task.
Strong focus on providing quality service to internal and external customers.
Work a flexible schedule including extended business hours, weekends, and holidays.
Subject to daily service level requirements.
Limited travel may be required to support business needs.
Must be able to deal with stressful office conditions while troubleshooting problems.
High School Diploma or equivalent required
Bachelor’s Degree preferred
2-3 years of relevant experience preferred

Benefits

Comp & perks

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 analysisautomotive finance contractsloan negotiationconsumer credit knowledgecredit laws and regulationsmotor vehicle retail installment documentationindirect retail auto financingcredit policiessales processesfunding processes

Soft Skills

analytical skillsproblem solvingcustomer relationseffective communicationsales skillsnegotiation skillsability to work under pressuremulti-taskingstrong work ethicflexibility

Certifications

High School DiplomaBachelor’s Degree