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

• 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
• Ability to use AI tools (e.g., Microsoft Copilot) to support daily work
• Skills in evaluating AI outputs for accuracy, compliance, and bias
• Experience integrating AI into workflows to improve efficiency or insights
• Familiarity with AI assisted research, summarization, and content generation
• Understanding of responsible AI use, including ethics and data protection
• 2-3 years of relevant experience preferred
• High School Diploma or equivalent required
• Bachelor’s Degree in related field 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