Credit Manager – Hybrid Lead in Auto Financing

GM Financial; Burnaby; Hybrid; CAD 88,000 - 147,000; Full time

Benefits offered by this job

Health benefits

RRSP match

Paid time off

Hybrid work schedule

Volunteer opportunities

Job summary

GM Financial in Burnaby, BC, seeks a seasoned Credit Analyst to assess and approve lending requests within policy, mentor analysts, and partner with dealers to drive sound credit decisions. The role emphasizes risk mitigation, analytics, and collaboration across teams in a hybrid work environment.

The ideal candidate has 3+ years in credit analysis, strong financial statement analysis, and bilingual English/French is a plus.

Qualifications

• Knowledge of basic lending principles.
• Knowledge and understanding of basic credit bureau reports.
• Knowledge and understanding of detailed financial statement and ratio analysis.
• Knowledge of standard office software.
• Automotive lending and/or leasing experience would be considered an asset.
• Written and oral English is a must; bilingual French is a plus.
• Excellent report writing and communication skills.
• Strong analytical and problem-solving skills with underwriting experience.

Responsibilities

• Analyze, evaluate, and approve/decline credit applications within authorized lending limits and company policies.
• Review complex, exception, and escalated credit requests, providing recommendations to senior management when required.
• Communicate credit decisions, terms, and conditions to dealers through portals or by phone.
• Handle dealer and customer complaints, credit decision appeals, and escalations within authorized parameters.
• Serve as the primary resource for analysts on complex credit decisions and provide daily coaching and guidance.
• Train, mentor, and monitor new analysts, providing ongoing support and performance feedback.
• Assist with team scheduling, vacation coordination, staffing coverage, and performance management activities.
• Prepare credit, dealer, market, and regional analyses to support business performance.
• Participate in system enhancements, process improvements, and special projects.
• Attend dealer meetings to provide credit expertise and gather feedback on products and programs.
• Support recruitment, hiring, and development of team members.
• Recommend policy and procedure improvements and stay current on industry trends, products, and competitive practices.

Skills

Credit analysis

Financial analysis

Underwriting loans

Communication

Risk management

Negotiation

Education

Bachelor's degree in related field

Tools

Microsoft Copilot

Job description

GM Financial in Burnaby, BC, seeks a seasoned Credit Analyst to assess and approve lending requests within policy, mentor analysts, and partner with dealers to drive sound credit decisions. The role emphasizes risk mitigation, analytics, and collaboration across teams in a hybrid work environment.

The ideal candidate has 3+ years in credit analysis, strong financial statement analysis, and bilingual English/French is a plus.