ACF Sr Credit Analyst I - Zone A

GM Financial; Raleigh (NC); Hybride; USD 65 000 - 95 000; Plein temps

Avantages offerts par ce poste

401K matching

Parental leave

Tuition assistance

GM employee discount

Training opportunities

Company holidays

Résumé du poste

GM Financial is the captive auto finance unit of General Motors, offering retail and commercial financing through dealer networks in North America. The Sr.

Credit Analyst I evaluates credit applications, assesses risk, and supports portfolio growth with sound credit decisions. You will analyze financial data, make credit approvals or denials within authority, build dealer relationships, and ensure profitability while maintaining compliance with state and federal laws.

Qualifications

• Knowledge of consumer finance and banking environment.
• Knowledge of state and federal regulatory requirements.
• Knowledge of indirect retail auto financing.
• Knowledge of sales, credit, and funding processes in consumer finance.
• Strong communication and presentation abilities.

Responsabilités

• Analyze credit data to determine risk involved in extending credit.
• Make decisions to approve or deny the extension of credit within authority and laws.
• Develop dealer relationships to ensure volume objectives and credit quality.
• Capture auto finance contracts meeting profitability criteria for pricing and performance.
• Ensure branch cooperation with other departments to maximize efficiency.
• Ensure all queues are worked to acceptable service levels.
• Conduct joint dealer calls with Dealer Relationship Manager as needed.
• Perform outbound telemarketing calls to dealer customers.
• Establish and track monthly goals for assigned dealers.
• Ensure proper documentation is received on all deals.

Connaissances

Consumer finance knowledge

Banking regulations

Indirect auto financing

Credit policy knowledge

Sales & dealer relations

Communication skills

Decision making under pressure

Strategic thinking

Dealer relationship management

Formation

High School Diploma or equivalent

Outils

Microsoft Copilot

Description du poste

Why GM Financial?

GM Financial is the wholly owned captive finance subsidiary of General Motors and is headquartered in Fort Worth, U.S. We are a global provider of auto finance solutions, with operations in North America, South America, and the Asia Pacific region. Through our long-standing relationships with auto dealers, we offer attractive retail financing and lease programs to meet the needs of each customer. We also offer commercial lending products to dealers to help them finance and grow their businesses.

Job Description

Why GM Financial?

GM Financial is the wholly owned captive finance subsidiary of General Motors and is headquartered in Fort Worth, U.S. We are a global provider of auto finance solutions, with operations in North America, South America, and the Asia Pacific region. Through our long-standing relationships with auto dealers, we offer attractive retail financing and lease programs to meet the needs of each customer. We also offer commercial lending products to dealers to help them finance and grow their businesses.

At GM Financial, our team members define and shape our culture — an environment that welcomes new ideas, fosters integrity, and creates a sense of community and belonging. Here we do more than work — we thrive.

Our Purpose

We pioneer the innovations that move and connect people to what matters.

Responsibilities

About the Role

The ACF Sr. Credit Analyst I evaluates credit applications and dealer financing opportunities to assess risk and make sound credit decisions within established lending authority. This role partners with dealers and internal teams to support portfolio growth, maintain credit quality, and ensure contract profitability while managing dealer relationships, analyzing financial information, monitoring performance goals, and ensuring accurate and timely processing of credit transactions.

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
• Capture automotive finance contracts that meet Americredit/GM Financial profitability criteria for pricing and performance
• Ensure branch office cooperation with other departments to maximize efficiency within the company
• Ensure all queues are worked to acceptable service levels
• Conduct joint dealer calls with Dealer Relationship Manager (DRM) on an as needed basis
• Perform outbound telemarketing calls to the dealer customer
• Establish and track monthly goals for assigned dealers
• Ensure proper documentation is received on all deals

Qualifications

What makes You an ideal candidate?

• Knowledge consumer finance and banking environment
• Knowledge of State and Federal regulatory requirements
• Knowledge of indirect retail auto financing
• Knowledge of motor vehicle retail installment documentation
• Knowledge of sales, credit, and funding processes in consumer finance
• Knowledge of the Company’s credit policies
• Knowledge of the retail automobile finance industry
• Working knowledge of consumer credit, credit laws, and regulations
• Ability to professionally represent GM Financial
• Ability to work under pressure and make decisions in a fast-paced environment
• Display commitment to continuous improvement of business
• Effective communication skills including verbal, written, and presentation
• Innovative thinker with strong ability for strategic vision
• Sales skills necessary to develop and maintain productive dealer relationships

Additional Knowledge And Skills

Working effectively within an AI enabled environment:

• 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

Working conditions

• Fast-paced office environment.
• Strong focus on providing quality service to internal and external customers.
• Flexible schedule with possibility of working long hours.
• Subject to daily service level requirements.
• Limited travel may be required to support business needs.
• Must be able to deal with stressful office conditions while troubleshooting problems.

Work Experience

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

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.

NOTE:We are unable to consider candidates who require visa sponsorship for this position

This position is not open to agency submissions

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