ACF Sr Credit Analyst I

GM Financial; Washington, Lynnwood (District of Columbia, WA); On-site; USD 125,000 - 150,000; Full time

Job summary

Join a dynamic team at an industry-leading auto finance company where your skills in relationship building and credit analysis will shine. This role offers the opportunity to develop strong partnerships with auto dealers, assess credit risks, and make impactful decisions that drive business success. With a culture that prioritizes employee development and community, you'll thrive in a flexible hybrid work environment. Enjoy a competitive salary, generous benefits from day one, and the chance to be part of a team that values innovative ideas and integrity. Your passion for auto finance can lead to a fulfilling career here.

Benefits

401K matching

Bonding leave for new parents (12 weeks, 100% paid)

Tuition assistance

Training programs

GM employee auto discount

Community service pay

Nine company holidays

Qualifications

• 2-3 years of experience in underwriting or sales in the automotive industry preferred.
• Strong negotiation and sales skills are essential.

Responsibilities

• Analyze credit data to assess risks in extending credit.
• Develop dealer relationships to meet volume and credit quality objectives.

Skills

Outbound Telemarketing

Sales Knowledge

Credit Processes

Negotiation Skills

Effective Communication

Strategic Thinking

Education

High School Diploma or equivalent

Job description

Overview

Why AmeriCredit?

We’ve spent the past 30+ years creating a culture that’s second to none in the auto finance industry. Other employers only talk about their culture – we actually live it every day. It’s the primary reason that approximately 50% of our team members have been here for more than 5 years. Sure, we could mention that AmeriCredit is a division of GM Financial, the wholly owned captive finance subsidiary of General Motors, a Fortune 50 company. That might be what attracts talent to our team but it’s our culture that keeps them coming back.

Our culture is what has driven AmeriCredit success and what’s allowed us to build strong, lasting relationships with our dealers and consumer customers that we serve. But mostly, our culture is what allows us to prioritize employee development, to create a diverse, equitable and inclusive environment and to enrich their professional experience where they can discover, thrive and belong.

If you are looking for an environment that welcomes new ideas, fosters integrity and creates a sense of community and belonging, AmeriCredit just might be your dream employer.

Responsibilities

About the Role:

We are looking for energized business development partners to join our credit team. You will be responsible for developing relationships with our auto dealer partners, researching and analyzing credit risks, assessing credit history, and approving or denying extension of credit to potential customers. You will be trained and empowered to bring value to our dealer partners through our programs and negotiations. You will work collaboratively with our field sales team as well as other company departments to grow our business.

If you consider yourself a self-motivated, solutions-driven, relationship builder with a passion for auto finance; apply to be a part of the AmeriCredit Team today.

In this role you will:

• 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
• Drive to capture automotive finance contracts that meet AmeriCredit profitability criteria for pricing and performance

Qualifications

What makes you a dream candidate:

• Motivated to perform outbound telemarketing calls to the dealer customer
• Knowledge of sales, credit, and funding processes in consumer finance
• Fearless negotiation and sales skills necessary to develop and maintain productive dealer relationships
• Effective communication skills including verbal, written, and presentation
• Innovative thinker with strong ability for strategic vision

Experience

• High School Diploma or equivalent required.
• 2-3 years of underwriting/sales in the automotive industry preferred

What We Offer: 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 and nine company holidays.

Our Culture: Our team members define and shape our culture — an environment that welcomes innovative ideas, fosters integrity, and creates a sense of community and belonging. Here we do more than work — we thrive.

Compensation: Competitive pay and bonus eligibility.

Work Life Balance: Flexible hybrid work environment, 2-days a week in office.

Salary

The range for this role is: USD $25.96 to $48.08 per hour. At GM Financial, we strive for transparency in all aspects of our business, including pay equity. This is the GM Financial pay range for this role and job level. The exact salary and compensation will vary based on factors like knowledge, skills, experience, and education. This role is eligible to participate in a performance-based incentive plan. Full time employees are eligible to participate in health benefits on day one of employment.