ACF Sr Credit Analyst I - Zone A

GM Financial; San Antonio (TX); Hybrid; USD 65,000 - 90,000; Full time

Benefits offered by this job

401K matching

bonding leave for new parents (12 we e

Job summary

GM Financial, headquartered near Fort Worth, seeks a Senior Credit Analyst in a hybrid role in Texas. You will research credit risk, analyze history, and decide on credit extensions to auto dealers and customers.

Develop dealer relationships and ensure documentation and pricing meet profitability standards. The ideal candidate has 2–3 years in automotive underwriting or sales, strong regulatory knowledge, and comfort using AI tools in daily workflows.

Qualifications

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

Responsibilities

• Analyze credit data to determine risk in extending credit.
• Decide to approve or deny credit within authority and laws.
• Develop dealer relationships to meet volume and credit quality objectives.
• Capture automotive finance contracts meeting profitability criteria.
• Coordinate with other departments to maximize efficiency.
• Ensure queues are worked to meet service levels.
• Conduct dealer calls with DRM as needed.
• Perform outbound calls to dealer customers.
• Set monthly goals for assigned dealers.
• Ensure proper documentation is received on all deals.

Skills

Credit underwriting

Regulatory knowledge

Consumer finance knowledge

Ability to work under pressure

AI tools usage

Education

High School Diploma

Tools

AI tools (Microsoft Copilot)

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.

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.

This position will be posted until filled.

Responsibilities

The Senior Credit Analyst is responsible for researching and analyzing credit risks, assessing credit history, and approving or denying extension of credit to potential customers. This team member has contact with other company departments, as well as automobile dealers and other finance and credit sources.

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

Knowledge and Skills

• 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 work under pressure and make decisions in a fast-paced environment
• Credit underwriting skills

Additional Knowledge And Skills

• 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

Experience & Education

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

What We Offer:

• 401K matching
• bonding leave for new parents (12 weeks, 100% paid)
• tuition assistance
• training
• GM employee auto discount
• community service pay
• 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, 3-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

#GMFJobs