GMF Sr Credit Analyst I - Zone C

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

Benefits offered by this job

401K matching

Tuition assistance

GM employee auto discount

Nine company holidays

Bonding leave for new parents

Job summary

GM Financial in Seattle is seeking a Senior Credit Analyst to assess credit risk, analyze histories, and approve or deny extensions of credit to customers and dealers. You'll interact with multiple departments, manage dealer relationships, and ensure compliance with state and federal regulations.

This role requires knowledge of consumer finance, regulatory requirements, and strong analytical, communication, and negotiation skills.

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 of consumer finance and banking environment.

Responsibilities

• Analyze credit data to determine risk in extending credit.
• Make credit approval/deny decisions within authority and laws.
• Develop dealer relationships to reach volume and credit quality goals.
• Capture automotive finance contracts meeting profitability criteria.
• Ensure compliance with policies and procedures.
• Coordinate with other departments to maximize efficiency.
• Meet service levels for queues and respond to dealer communications.
• Perform outbound calls and joint dealer calls as needed.
• Ensure proper documentation on all deals and negotiate loan terms.

Skills

Credit analysis

Dealer relationships

Regulatory knowledge

Negotiation

Communication

Multi-tasking

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.

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.

Position Status

This position will be posted until filled.

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 addition, the Senior Credit Analyst will manage relationships and negotiate with automobile dealers, administer inbound applications and phone calls, and adhere to State and Federal regulations and compliance standards.

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.
• Negotiate loan terms.
• Communicate clearly and effectively with a wide variety of internal and external people, both in formal and informal circumstances, and where necessary to gain their agreement and acceptance.

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 of consumer finance and banking environment.
• Strong work ethic.
• Strong analytical and problem solving skills.
• Superior customer relations skills.
• Effective communication skills including verbal, written, and presentation.
• 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.
• Strong focus on providing quality service to internal and external customers.
• Work a flexible schedule including extended business hours, weekends, and holidays.
• 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.

Education & Work Experience

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

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.

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.

Agency Submissions

This position is not open to agency submissions.

The base range for this role is: $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 such as 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.