GMF Sr Credit Analyst I - Zone A

GM Financial; Sugar Land (TX); Hybrid; USD 55,000 - 75,000; Full time

Benefits offered by this job

401K matching

Parent leave 12 weeks (paid)

Tuition assistance

GM employee auto discount

Community service pay

Nine company holidays

Job summary

GM Financial is seeking a credit professional to evaluate credit applications, assess risk, and approve or deny loans in compliance with policies and laws. The role emphasizes building dealer relationships, supporting portfolio growth, and delivering strong dealer experiences.

You will analyze data, capture contracts, and collaborate with internal teams. The position offers a generous benefits package, a flexible hybrid schedule with in-office days, and growth opportunities at GM Financial.

Qualifications

• Knowledge of sales, credit and funding processes in consumer finance.
• Knowledge of motor vehicle retail installment documentation
• Knowledge of the Company’s credit policies
• Working knowledge of consumer credit, credit laws and regulations
• Knowledge of the retail automobile finance industry
• Knowledge of indirect retail auto financing
• Knowledge of State and Federal regulatory requirements
• Knowledge consumer finance and banking environment
• Strong work ethic
• Strong analytical and problem solving skills
• Effective communication skills including verbal, written and presentation
• Excellent credit underwriting skills
• Superior customer relations skills
• Sales skills necessary to develop and maintain productive dealer relationships
• Negotiation skills
• Ability to work under pressure and make decisions in a fast-paced environment
• Ability to professionally represent GM Financial
• Ability to multi-task

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 sufficient dealer relationships that ensure volume objectives and credit quality.
• Capture automotive finance contracts that meet GM Financial profitability criteria for pricing and performance.
• Ensure compliance with applicable policies and procedures.
• Ensure branch office cooperation with other departments to maximize efficiency within the company.
• Ensure all queues are worked to acceptable service levels.
• Perform outbound telemarketing calls to the dealer customer.
• Conduct joint dealer calls with Dealer Account Representative on an as needed basis.
• Ensure proper documentation is received on all deals.

Skills

Sales knowledge

Credit underwriting

Regulatory knowledge

Analytical skills

Communication skills

Dealer relationships

Negotiation

Decision making

Multi-tasking

Professional representation

Education

High School Diploma

Bachelor’s Degree preferred

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:

This role is responsible for evaluating credit applications, assessing risk, and making lending decisions while ensuring compliance with company policies and regulatory requirements. The position also focuses on building strong dealer relationships, supporting portfolio growth and profitability, maintaining service levels, and collaborating with internal teams to deliver an excellent dealer experience.

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 GM Financial profitability criteria for pricing and performance
• Ensure compliance with applicable policies and procedures
• Ensure branch office cooperation with other departments to maximize efficiency within the company
• Ensure all queues are worked to acceptable service levels
• Perform outbound telemarketing calls to the dealer customer
• Conduct joint dealer calls with Dealer Account Representative (DAR) on an as needed basis
• Ensure proper documentation is received on all deals

Qualifications

What makes You an ideal candidate?

Knowledge And Skills

• Knowledge of sales, credit and funding processes in consumer finance
• Knowledge of motor vehicle retail installment documentation
• Knowledge of the Company’s credit policies
• Working knowledge of consumer credit, credit laws and regulations
• Knowledge of the retail automobile finance industry
• Knowledge of indirect retail auto financing
• Knowledge of State and Federal regulatory requirements
• Knowledge consumer finance and banking environment
• Strong work ethic
• Strong analytical and problem solving skills
• Effective communication skills including verbal, written and presentation
• Excellent credit underwriting skills
• Superior customer relations skills
• Sales skills necessary to develop and maintain productive dealer relationships
• Negotiation skills
• Ability to work under pressure and make decisions in a fast-paced environment
• Ability to professionally represent GM Financial
• Ability to multi-task

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

• 2-3 years of relevant experience preferred
• High School Diploma or equivalent required
• Bachelor’s Degree in related field 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.

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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About Us

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About The Team

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