Senior Auto Finance Credit Analyst | Hybrid & Growth Path

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

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.