Senior Credit Analyst I – Zone A

Role Overview

• 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

• 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

• 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