Senior Credit Analyst I

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 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

Requirements

• High School Diploma or equivalent required
• Bachelor’s Degree in related field preferred
• 2-3 years of relevant experience preferred
• 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
• Effective communication skills including verbal, written and presentation
• Excellent credit underwriting skills
• Superior customer relations skills
• 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

Benefits

• 401K matching
• bonding leave for new parents (12 weeks, 100% paid)
• tuition assistance
• training
• GM employee auto discount
• community service pay
• nine company holidays