Commercial Credit Manager - CDN

GM Financial; Burnaby; Hybrid; CAD 80,000 - 100,000; Full time

Job summary

Join a leading financial services provider as a Commercial Credit Manager, where you'll lead a team in analyzing credit risks and making critical financing decisions. This role offers an exciting opportunity to work closely with dealers and customers in the auto finance industry, ensuring sound credit decisions and fostering positive relationships. Enjoy a hybrid work schedule, generous benefits, and a dynamic work environment.

Benefits

Health, Vision, and Dental Benefits

RRSP matching program

Generous paid time off

Casual dress code

Hybrid work schedule

Access to onsite parking and gym

Qualifications

• Minimum three years of credit analysis experience.
• Advanced knowledge of credit underwriting and vehicle leasing.

Responsibilities

• Supervise and train team members in credit analysis.
• Analyze and decide on credit requests within authorized limits.
• Prepare credit analysis reviews for dealers and markets.

Skills

Customer Service

Relationship Management

Credit Underwriting

Financial Statement Analysis

Education

Secondary School diploma

Bachelor’s degree

Job description

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Job Description

Why GM Financial? Do you like being busy and have a stellar attention to detail? Do you have a passion for the auto finance industry? If so, start a career with the GM Financial Credit Center. We underwrite consumer and commercial lease transactions, and auto finance applications from the 450+ General Motors dealerships in Canada. In addition to underwriting applications, we work with auto dealers to find solutions to help General Motors sell more cars and trucks. We are committed to excellence, quality, and teamwork. Every day is an adventure, and the Credit Center is always ready to tackle new roads ahead, so join us to kick it into overdrive, earning customers for life! Come join the excitement and learn something new!

Responsibilities

About the role: The Commercial Credit Manager is responsible for supervision, leadership, guidance, and training for designated team members. The Commercial Credit Manager will research and analyze credit risks, financial statements, assess credit history, and approve or deny extension of credit to potential consumer and commercial customers. Develops and maintains positive business relationships with dealers, customers, field sales staff, and supporting departments within GMF. Render appropriate credit decisions for moderately complex commercial financing requests.

What you will be doing:

1. Analyze, evaluate, and decide credit requests within authorized lending limits; support and review submissions by Credit Analysts, evaluate requests exceeding limits, and prepare recommendations for senior management.
2. Analyze commercial credit applications to determine risk and make prudent decisions on credit extension within established authority.
3. Analyze financial statements, collateral, debt service, as applicable to the transaction size and complexity.
4. Ensure accuracy and sound recommendations with CreditQuest routings.
5. Make recommendations for commercial Lines of Credit.
6. Respond to complaints or escalation appeals professionally and thoroughly.
7. Guide and assist subordinates in discussing and deciding on complex deals.
8. Prepare credit analysis reviews for dealers, markets, or regions to optimize results.

Qualifications

What makes you a dream candidate?

• Previous management experience.
• Advanced knowledge of credit underwriting and vehicle leasing.
• Financial Statement Analysis experience.
• Excellent customer service and relationship management skills.
• Understanding of dealer operations.
• Knowledge of reporting, analytics, and company policies.
• Experience with automotive leasing/captive lending.
• Minimum three years of credit analysis experience.
• Secondary School diploma; Bachelor’s degree preferred.

What We Offer

• Health, Vision, and Dental Benefits.
• RRSP matching program.
• Generous paid time off.
• Casual dress code.
• Hybrid work schedule.
• Access to onsite parking and gym.