Commercial Credit Analyst II - Underwriting

GM Financial; Irving (TX); Hybrid; USD 85,000 - 110,000; Full time

Benefits offered by this job

401K matching

Tuition assistance

GM employee discount

Job summary

GM Financial is seeking a Commercial Credit Analyst II to perform financial analysis for floorplan acquisitions, loan proposals, and renewals of credit lines in a hybrid work environment. You will review auto dealer financials, assess risk, and prepare recommendations for the credit committee, interfacing with dealership personnel and stakeholders.

The role requires advanced underwriting knowledge, strong analytic skills, and experience with dealership finance.

Qualifications

• Advanced knowledge of credit underwriting.
• Extensive knowledge of accounting, financial statement analysis, cash flow and dealer workout.
• Knowledge of dealership, fleet/commercial and indirect auto finance industry operations.
• Knowledge of Microsoft Office.
• Knowledge of reporting and analytics.
• Knowledge of Salesforce.com.
• Understanding of commercial lending with emphasis in captive automotive dealership financing.
• Understanding of dealer operations.
• Ability to interface with all levels of management.
• Ability to make sound business decisions based on policies and procedures.
• Able to meet deadlines
• Customer service skills
• Detail oriented and capable of managing multiple opportunities simultaneously
• Excellent analytical skills
• Excellent oral/written communication and interpersonal skills
• Must be self-motivated and able to work independently

Responsibilities

• Analyze financial statements of automotive dealerships and affiliates.
• Assign risk ratings and document findings for risk mitigation.
• Prepare proposals for credit committee review.
• Interface with dealership personnel and internal/external stakeholders.

Skills

Credit underwriting

Financial analysis

Cash flow analysis

Dealership financing

Microsoft Office

Salesforce.com

Communication skills

Independent work

AI tools

Education

Bachelor’s in Accounting/Finance

Master’s Degree

Associate Degree

High School Diploma

Tools

Copilot

Microsoft Office

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 Commercial Credit Analyst II - Underwriting completes financial analysis for floorplan acquisitions, loan proposals and renewals/modifications of existing credit lines. This includes analysis of automotive dealerships financial statements, accurate reporting of findings, ensuring corporate compliance and risk management, as well as contact with dealership personnel and communication with internal/external stakeholders. Provides appropriate recommendations and supporting documentation and mitigate risk.

In This Role You Will

• Accurately analyze financial statements of automotive dealerships and affiliates including fixed charged coverage ratio, bank reconciliation, assigning accurate risk ratings and provide appropriate recommendations to mitigate risk
• Interfacing with customers and internal/external stakeholders to obtain data to complete analysis
• Prepare accurate and concise proposals/modifications for credit committee approval

Qualifications

What makes You an ideal candidate?

• Advanced knowledge of credit underwriting
• Extensive knowledge of accounting, financial statement analysis, cash flow and dealer workout
• Knowledge of dealership, fleet/commercial and indirect auto finance industry operations
• Knowledge of Microsoft Office
• Knowledge of reporting and analytics
• Knowledge of Salesforce.com
• Understanding of commercial lending with emphasis in captive automotive dealership financing
• Understanding of dealer operations
• Ability to interface with all levels of management
• Ability to make sound business decisions based on policies and procedures
• Able to meet deadlines
• Customer service skills
• Detailed oriented and capable of managing multiple opportunities simultaneously
• Excellent analytical skills
• Excellent oral/written communication and interpersonal skills
• Must be self-motivated and able to work independently

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

Work Experience & Education

• High energy and fast paced environment subject to stressful situations
• Hybrid work arrangement, allowing work from the office and remotely
• 3-5 years of directly related experience in financial analysis and experience in automotive dealership commercial lending environment Pref
• High School Diploma
• Associate Degree
• Bachelor’s Degree in Accounting, Finance or in related field or equivalent work experience Required
• Master’s Degree

#GMFJobs

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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