ACF Sr Credit Analyst I - Zone C

GM Financial; Lynnwood (WA); Hybrid; USD 61,000 - 116,000; Full time

Benefits offered by this job

401K matching

GM employee auto discount

Tuition assistance

Nine company holidays

Community service pay

Bonding leave for new parents

Job summary

GM Financial, the captive auto-finance subsidiary of General Motors, is seeking a Senior Credit Analyst in a hybrid work environment. You will assess credit risks, analyze histories, and decide on credit extensions, interfacing with dealers and internal teams to optimize profitability and compliance.

You will build dealer relationships, ensure documentation quality, and monitor performance against goals in a fast-paced setting.

Qualifications

• Knowledge of 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 the sales, credit, and funding processes in consumer finance.
• Knowledge of the Company’s credit policies.
• Knowledge of the retail automobile finance industry.
• Ability to multi-task.
• Ability to professionally represent GM Financial.
• Ability to work under pressure and make decisions in a fast-paced environment.

Responsibilities

• 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 dealer relationships to meet volume objectives and credit quality.
• Capture automotive finance contracts meeting profitability criteria for pricing and performance.
• Coordinate with branches and departments to maximize efficiency.
• Ensure queues are processed to defined service levels.
• Conduct joint dealer calls with the Dealer Relationship Manager as needed.
• Perform outbound telemarketing calls to dealer customers.
• Set and monitor monthly goals for assigned dealers.
• Ensure proper documentation is received on all deals.

Skills

Credit risk analysis

Consumer finance knowledge

Regulatory knowledge

Auto financing knowledge

Credit policies

Industry knowledge

Multi-tasking

Professional representation

Pressure handling

Dealer relations

Education

High School Diploma

Associate Degree

Bachelor’s Degree

Master’s Degree

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

About the Role

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

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 the 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 multi-task.
• Ability to professionally represent GM Financial.
• Ability to work under pressure and make decisions in a fast-paced environment.

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 & Education

• 2-3 years of underwriting/sales in the automotive industry Pref
• High School Diploma or equivalent Required
• Associate Degree
• Bachelor’s Degree
• Master’s Degree

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

Compensation

$61,000-116,000

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.

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